Additional products topics

Home Emergency Cover protects you for a wide range of emergencies that can happen at home that require immediate assistance from a professional such as an electrician, a plumber, builder or other specialist. We will arrange for an approved contractor to resolve the emergency situation.

Intelligent Insurance home policies include an element of FREE home emergency cover as standard. Under this policy you are covered up to £250 for an emergency callout, with a maximum claims limit of £500 per year. Cover includes: 24 hour helpline Plumbing Drainage Internal electrics Pests Internal gas pipes Roof damage

Family Legal Protection helps cover your legal costs when you need professional legal assistance. This optional cover includes: Legal representation costs Professional legal advice Support for various legal situations You can add Family Legal Protection to your policy or check your policy booklet for full details of what’s covered.

Yes, all our home insurance policies include FREE Family Legal Protection: Maximum claims limit of £25,000 Consumer rights protection (pursuits and defence) Property damage legal support Property sale and purchase assistance 24/7 legal helpline Check your policy booklet for full terms, conditions, and exclusions.

Family Legal Protection Plus provides legal support with a £50,000 maximum claims limit, covering: Consumer rights (pursuits and defence) Property matters: Damage and infringement Sale and purchase Personal protection: Injury claims Clinical negligence Identity fraud Social media defamation Employment disputes (£5,000 limit) Probate and tax disputes School admission disputes Vehicle cloning Legal defence 24/7 legal helpline Check the policy booklet for full terms and conditions.

Legal expenses cover is designed to provide assistance in unforeseen legal situations. However, there are certain circumstances where you may not be able to use this cover or make a claim: Existing Legal Issues The cover cannot be used for any legal matter that is already in progress before obtaining the policy. Awareness of Potential Claims If you are already aware of a situation that could potentially lead to a claim, you may not be able to use the legal expenses cover for that specific issue. Important: Check your policy booklet for the complete list of exclusions and limitations before pursuing a claim.

To make a legal expenses claim: Call

£25.00 per year or £2.34 per month when added to your home insurance policy. This enhances your standard legal cover with additional protection. See our Legal Expenses Plus cover page for coverage details.

Yes, most legal cover starts immediately. However: Employment disputes have a 90-day waiting period Property infringement has a 180-day waiting period

Yes, you have the flexibility to add family legal protection plus cover at any time during your period of insurance. Intelligent Insurance offers policyholders the convenience of enhancing their coverage by including legal expenses plus cover, even after the initiation of the main home insurance policy. Pro-Rated Premium Calculation Opting to add legal expenses plus cover mid-policy enables us to pro-rate the premium for this additional coverage. We calculate the cost proportionally based on the remaining months of your main home insurance policy. Summary The ability to add legal expenses plus cover at any time reflects Intelligent Insurance’s commitment to adapting to the evolving needs of policyholders. This flexibility allows homeowners to align their insurance coverage with changing circumstances, providing comprehensive protection and peace of mind throughout the policy period.

Yes, there is a £100 excess applicable to family legal expenses claims. In the event that you need to make a claim under family legal expenses cover, a deductible of £100 will be applied. This means that you are responsible for covering the initial £100 of the incurred legal expenses, and the insurance coverage will address the remaining eligible costs. Key Considerations for Policyholders Policyholders should be aware of the specific excess associated with family legal expenses claims to make informed decisions when utilising this coverage. The excess is a predetermined amount agreed upon in the insurance policy, and its application is a standard practice in insurance to share the financial responsibility between the policyholder and the insurer. Utilising Family Legal Expenses Cover While the £100 excess is a consideration, family legal expenses cover provides valuable support in managing legal costs related to unforeseen events. By understanding the terms, including the excess, policyholders can navigate legal challenges with the assurance that their coverage is designed to assist in various family legal matters. Summary Intelligent Insurance aims to provide clarity on the terms of family legal expenses cover, ensuring that policyholders have the necessary information to make effective use of this component of their insurance policy.

Key points 24/7 helpline on 0333 234 3486. Up to £1,000 per emergency call‑out (maximum one claim per policy year). Covers common household emergencies – plumbing, electrics, heating, pests and more. Add it to your policy in minutes: Home Emergency Plus cover. What’s included? Emergency type What’s covered Plumbing & drainage Stop burst pipes, blocked drains or toilets and prevent further damage. Internal electrics Restore essential internal wiring and fuse‑box faults. Internal gas pipes Make safe and repair leaks (boiler cover below). Boiler & heating Get your heating/hot‑water working again. Roof damage Temporary repairs to stop water entering. Security Secure broken windows, doors or locks. Pests Remove wasps’ nests, rodents or other vermin inside the home. Alternative accommodation Arrange and pay for temporary accommodation if your home is uninhabitable. How it works Call the helpline any time – we’ll arrange a qualified contractor. We pay approved costs up to £1,000 for parts, labour and VAT. If the issue is not covered, we’ll advise on your next steps. Keep the number handy and relax knowing help is on call day or night.