Is there an excess on Home Emergency Cover?

There is no excess to pay for an accepted claim under Intelligent Insurance Home Emergency Cover or Home Emergency Plus.

However, having no excess does not mean every cost will be covered. Claims remain subject to the applicable claim limits, terms and exclusions. You may be responsible for:

• costs above the applicable claim limit
• permanent repairs required after a temporary emergency repair
• work or circumstances that are not covered by the policy
• work arranged without first contacting the claims helpline

Some Home Emergency Plus benefits, including alternative heating and the boiler replacement contribution, may require you to pay the cost and provide an original receipt before receiving the applicable payment.

If you make a separate buildings or contents insurance claim for damage resulting from the emergency, the excess applying to that policy may still be payable.

Check your schedule and the relevant documents on our Policy Documents page for the limits and terms that apply to you.