Home Emergency
Cover
Peace of mind from £75
24-hour claims line for emergencies
No call out charges
Labour and material costs covered
Get a quote
Thousands of property owners choose
Home Emergency cover.
Just some of the benefits...
24-hour claims line for emergencies
No call out charges
Both labour and material costs covered
Quality approved engineers
£500 or £1000 worth of cover per year
Alternative accommodation
Avoid having to compromise and pick what you can afford to be covered for. We make it simple with one policy that covers you for most emergencies.
Get a quote
Why is Home
Emergency cover important?
If you experience a sudden unexpected event that is likely to cause damage to your home or make it unsafe to stay in, you will need emergency help.
Fully functioning electrics, plumbing, heating and security are fundamental basics and if something goes wrong, they will need to be repaired.
This is where home emergency cover comes in, with a 24-hour claims line in place for your tenant to call and get help.
What the policy covers
Electrical
The breakdown or failure
of the permanent domestic
electrical wiring system and
its components supplying
electrical power to your home.
Plumbing
Failure of, or damage
to, the internal plumbing
system.
Drainage
Failure of,
or damage
to, the internal
or external drainage
system of your home.
Security
Locks or keys need
to be replaced to
assist your tenant
to gain access to the house.
Heating
Complete breakdown of
your domestic central
heating system.
Vermin infestation
Removal or extermination of
an infestation of black or
brown rats, field or house mice,
and wasps’ or hornets’ nests inside
the property causing a health risk to
you or your family.
Roof
If a roofing incident has happened which will expose the home we will use a tarpaulin to prevent further damage occurring.
How much does Home Emergency cost?
Buying Home Emergency cover when you have to sift through an endless list of options is frustrating. We make it easy by offering a single policy from £75.
How it works
Fill in your details and get an online quote
Buy online in minutes
In an emergency make a call and make a claim
When your claim is validated and approved an engineer will visit your property
What isn't insured?
Main Exclusions
Pipework
Pipework outside the boundary of your home.
Leaks
Leaks from household appliances, sinks, baths, or showers where the leak only occurs when the item in use.
Frozen pipes
Frozen pipes which have not caused any damage.
Guttering
Guttering or rainwater downpipes, rainwater drains and soakaways.
Toilets
Blocked toilets that are not leaking, or overflowing, and where there is another toilet in the home.
Boiler
Repairs if your boiler is deemed beyond economical repair, has not been serviced in accordance with manufacturer’s guidelines or is more than 15 years old.
Domestic Appliances
In relation to electrical cover - domestic appliances or items with a plug.
Electrical Cover
In relation to electrical cover - swimming pools, fish tanks, ponds, burglar and smoke alarms, satellite/TV equipment, doorbells, garage doors, shower units, portable and fixed heating units, power generating systems including solar panels and wind turbines, any 3 phase electrical systems or garden areas.
Drains
Collapsed drains.
Gas Supply
Any external gas supply pipe or anything piping that is the responsibility of the National Grid.
Pests
Pest infestations outside the main house at your home (for example in garages, other outbuildings or in the garden.
Trip or Fall
Where an appliance has caused a circuit to fail or trip.
Exlusion Period
Any incident within the initial exclusion period after the start date of your policy.
Lack of Maintenance
Any item or system which has not been regularly maintained and/or serviced in accordance with manufacturer’s instructions or recommendations.
Occupance
Claims arising whilst or immediately after your home has been left unoccupied for 60 or more consecutive days.
Unauthorised Work
Any work carried out by you or any other person which was not authorised by the claims administrator in advance.
Wear and Tear
Any parts or item which may need to be replaced due to natural wear and tear and/or gradual deterioration.
Making a claim
The claims service is designed to help you in a time of stress when you may be worried or frantic. The claim handler will deal with your claim with little fuss and get the wheels rolling to sort out your issue straight away.
The policy provides a 24-hour emergency claims service for your peace of mind and can get your tenants move to temporary accommodation arranged as soon as possible.
If you need to contact us or need to make a claim you can call us on 0191 466 111, or write to Preferred Management Solutions Ltd (PMS), Preferred House, 4-5 Merchant Court, Monkton Business park, Hebburn, NE31 2EX.