Am I covered for home emergencies straight away?

Claims arising within the first 48 hours after your Home Emergency Cover starts are not covered. This restriction does not apply if you held equivalent insurance immediately beforehand.

Boiler replacement contribution

A separate 30-day waiting period applies to the boiler replacement contribution available with Home Emergency Plus. This restriction does not apply if you held equivalent insurance immediately beforehand.

First occupation and reoccupation

Claims arising during the seven days immediately after you first occupy the home are not covered.

The same seven-day restriction applies after you reoccupy a home that has been unoccupied for 30 consecutive days or more.

Your policy schedule confirms which cover applies to you. Read your schedule and the relevant documents on our Policy Documents page for the complete terms, waiting periods and exclusions.