Additional products topics

Home Emergency Cover is included at no additional cost with eligible Intelligent Insurance home insurance policies. Your policy schedule confirms whether Home Emergency Cover is included and the claim limits that apply to you. For current Standard cover, the claim limit is up to £250 for each accepted emergency, with a total limit of £500 per policy year. Standard cover includes: 24-hour claims helpline Plumbing and drainage Internal electricity Internal gas supply Water supply Specified pest infestations Specified roofing emergencies You can find your schedule and current claims details in MyAccount. Learn more about Home Emergency Cover and Home Emergency Plus, including the differences between them.

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.

Home Emergency Cover and home insurance are designed to do different jobs. Home Emergency Cover deals with the immediate cause of certain emergencies, while buildings or contents insurance may cover the resulting damage. What does Home Emergency Cover do? Home Emergency Cover provides assistance with specified emergencies that require urgent attention. If a claim is accepted, the claims service may appoint an authorised contractor to complete an emergency repair, normally as a temporary solution and within the applicable claim limit. What does home insurance do? Buildings or contents insurance may cover loss or damage resulting from an insured incident, subject to the relevant policy terms, exclusions and excess. It does not necessarily cover the emergency repair to the system or item that caused the damage. Example: a burst pipe Following an eligible burst pipe, Home Emergency Cover may arrange an authorised contractor to stop the leak and complete an emergency repair. A separate buildings or contents insurance claim may be needed for resulting damage to walls, flooring, furniture or other belongings. Each claim will be assessed separately under the relevant policy terms. Check your policy schedule and policy documents to confirm the cover that applies to you.

Home Emergency Cover and Home Emergency Plus are subject to eligibility requirements, waiting periods and exclusions. Whether a particular emergency is covered will depend on your policy schedule, the circumstances and the policy terms. Who is eligible? Home Emergency Cover is available for an owner-occupied property used as your principal permanent home. It is not available to landlords for their tenanted properties. Your policy schedule confirms whether Home Emergency Cover or Home Emergency Plus applies to you. When does cover start? Claims arising during the first 48 hours after the cover starts are excluded unless you held equivalent insurance immediately beforehand. A separate 30-day waiting period applies to the boiler replacement contribution unless you held equivalent insurance immediately beforehand. Occupation and reoccupation restrictions Claims during the seven days immediately following your first occupation of the home are excluded. The same seven-day restriction applies after you reoccupy a home that has been left unoccupied for 30 consecutive days or more. Other common exclusions A claim may not be covered where: you knew about the circumstances before the insurance started the system or equipment was not properly installed or maintained the problem relates to an appliance the system has been incorrectly used, modified or tampered with the problem results from general wear and tear, neglect or a lack of maintenance the work is covered by a manufacturer’s, supplier’s or installer’s guarantee or warranty the circumstances are not sudden or unforeseen you arrange work directly with a contractor without first contacting the claims helpline This is not a complete list of exclusions. Read your schedule and the relevant documents on our Policy Documents page for the full terms that apply to your cover.