Home emergency insurance cover

Home Emergency Insurance Cover is included as standard* with our home insurance policies at no additional cost to you. Home Emergency Cover protects you in a number of cases where you require immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home**.

*Included as standard on policies purchased after 23rd July 2015.

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Frequently Asked Questions

Upgrade to Home Emergency Plus Cover

Enhance your peace of mind with our Home Emergency Plus Cover. For an additional fee, this upgrade significantly increases your claims limits and broadens your coverage to include crucial aspects of your home such as security, and your boiler and heating system. This cover is ideal for boilers up to 60 kilowatts per hour, provided they are maintained according to the manufacturer’s guidelines. Please note, proof of maintenance may be required for claims.

Who Is This For?

This enhanced cover is designed specifically for homeowners or occupants seeking comprehensive protection against emergencies not covered by standard insurance. It’s an essential safety net for unexpected incidents, ensuring you’re prepared for the unexpected.

Key Features:

Extended Claims Limits: Enjoy higher limits on claims, providing more extensive coverage when you need it most.
Boiler and Heating System Coverage: Rest assured with added protection for your boiler and heating system, keeping your home warm and functioning.
Home Security: Additional coverage for home security, giving you peace of mind about your property’s safety.

Important Considerations

Owner-Occupied Properties Only: This cover is exclusively available for properties that are owner-occupied.

Occupancy Requirements: Emergencies at properties that have been unoccupied for more than 30 consecutive days, such as those up for sale or vacant, are not covered.

Summary of cover

24 Hour Assistance for Home Emergencies

Home Emergency and Home Emergency Plus provides cover for 24 hour assistance within your home for emergencies. A breakdown of what’s included with each is shown below:

	Home Emergency	Home Emergency Plus
Cover per Emergency Callout	£250	£1,000
Total Claims Limit/Year	£500	£1,000
24 Hour Helpline
Plumbing
Drainage
Internal Electrics
Pests
Internal Gas Pipe
Roof Damage
Security
Boiler & Heating System
Alternative Accommodation

*Included as standard on policies purchased after 23rd July 2015.

Policy Documents

If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.

Buildings Insurance

Contents Insurance

Policy Booklet

Terms of Business

Home Emergency

Family Legal Protection

Add-Ons

Home Emergency Plus

Family Legal Protection Plus

How to make a claim

Making a claim has never been easier – just follow these three simple steps:

Step One – Check Your Policy

Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.

Step Two – Report the Incident

Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.

Step Three – Submit Your Claim

If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.

**We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.

Home insurance provided by names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Intelligent Insurance | Arkel Panel Member

Intelligent Insurance | Non-Standard Home Insurance

Intelligent Insurance | Pen Underwriting Panel Member