Additional products topics

Home insurance focuses on covering the damage resulting from specific incidents, not the events themselves. For instance, if your carpet sustains water damage due to a burst pipe, you’d file a claim under your contents policy. However, home insurance doesn’t cover the costs of hiring a plumber to fix the damaged pipe. Role of Home Emergency Cover Home Emergency cover, on the other hand, addresses the immediate resolution of emergency situations. In the scenario of a burst pipe, it would cover the costs of a contractor to repair the pipe, not the resulting damage to the carpet. Policy Considerations Understanding the distinctive roles of home insurance and Home Emergency cover allows homeowners to make informed decisions when crafting a comprehensive insurance policy that addresses both long-term protection and immediate emergency response. Tip: Refer to the policy book for a comprehensive list of coverage details and exclusions. Summary Explore the unique roles of home insurance and Home Emergency cover to tailor a comprehensive insurance strategy that addresses both long-term protection and immediate emergency response.

Yes, to utilise home emergency cover, you must be the owner or occupier of the property, with the property being your principal home. Initial Waiting Period As a new policyholder, a waiting period of 14 days applies before you can make a claim under home emergency cover. Exclusions for FREE or Plus Cover You cannot claim if you’re a landlord seeking coverage for a tenanted or unoccupied property. Non-residence or a property being unoccupied for more than 30 consecutive days renders you ineligible. Note: Refer to the policy book for a comprehensive list of exclusions. Summary Understand the eligibility criteria, waiting periods, and exclusions before making a claim under home emergency cover.

In the event of a home emergency, initiating a claim is a straightforward process. Follow these steps to ensure a prompt response to your situation. Immediate Contact When faced with a home emergency, contact Arc Legal Assistance promptly on 0333 234 3486. This dedicated helpline operates 24 hours a day, 7 days a week, ensuring that assistance is available whenever you need it. Clear Communication During the call, clearly communicate the details of your home emergency. Providing accurate information allows the support team to assess the situation and initiate the appropriate response. Expert Guidance Arc Legal Assistance is equipped with experienced professionals who specialise in handling home emergencies. Benefit from their expertise and guidance throughout the claims process, ensuring a swift resolution to your situation. Efficient Resolution With a focus on efficiency, Arc Legal Assistance works to resolve your home emergency promptly. From assessment to action, you can expect a responsive and effective approach to address the situation.

Adding home emergency plus cover to your Intelligent Insurance home insurance policy is a cost-effective choice. For only £57.12 per year or a budget-friendly £5.33 per month, you can enhance your coverage and gain additional protection for unforeseen home emergencies. Comprehensive Coverage The affordable premium for home emergency plus cover ensures that you have access to comprehensive protection. This extension adds value to your policy, covering a range of emergencies that may occur in your home. Enhanced Peace of Mind Investing in home emergency plus cover goes beyond affordability; it provides enhanced peace of mind. Knowing that your policy includes additional protection for emergencies contributes to a sense of security for you and your home. Simple Addition to Your Policy Intelligent Insurance simplifies the process of adding Home Emergency Plus cover to your policy. Simply chat with our team or manage your policy directly from your online account to add this coverage. Summary Explore the cost-effective option of home emergency plus cover at £57.12 per year or £5.33 per month. With this addition, you can enjoy enhanced protection and peace of mind for unexpected home emergencies.

For new policyholders, coverage for home emergencies becomes effective after the initial 48 hours from the policy’s start. This waiting period ensures that your coverage is in place shortly after obtaining the policy. Instant Access for Renewing Customers Renewing customers enjoy the advantage of immediate coverage. Whether you’re starting a new policy or renewing an existing one, you can make a claim at any time during the insurance period. Summary Explore the waiting period and continuous coverage aspects to make informed decisions about home emergency protection. Intelligent Insurance prioritises proactive home safeguarding, ensuring that coverage meets the diverse needs of homeowners.

Yes, you have the flexibility to add home emergency plus cover at any time during your insurance policy period. Whether you initially opted for standard coverage or are reassessing your needs, this option allows you to enhance your protection seamlessly. Pro-Rated Premiums Adding home emergency plus cover mid-policy is a straightforward process. We pro-rate the premium, ensuring fairness in cost allocation for the remaining months of your main home insurance policy. This flexibility empowers you to adapt your coverage based on evolving needs and circumstances. Considerations for Enhanced Protection Evaluate your current coverage and assess whether home emergency plus cover aligns with your home protection priorities. This additional layer of protection extends the scope of assistance during unforeseen emergencies, offering peace of mind and comprehensive coverage. Adapting to Changing Needs Life is dynamic, and your insurance coverage should adapt to changing needs. With the option to add home emergency plus cover at any time, Intelligent Insurance ensures that your policy remains a tailored and responsive safeguard for your home.

Home emergency cover with Intelligent Insurance comes with the advantage of having no excess. Consequently, in the event of a covered emergency, you won’t be required to contribute any upfront payment. Notably, the absence of an excess provides peace of mind, ensuring straightforward assistance without financial burden. Benefits of No Excess Moreover, the elimination of excess simplifies the claims process under home emergency cover. Whether it’s a sudden burst pipe or electrical failure, you can access the necessary support without worrying about additional costs. Ensuring Seamless Assistance The no-excess feature ensures that when you face a home emergency, the focus remains on swift and efficient assistance. This streamlined process allows you to access the support you need without delays or financial hurdles. Summary Explore the convenience of home emergency cover without excess, offering seamless assistance and comprehensive financial protection in times of unexpected incidents.

An emergency, within the context of home insurance, refers to a sudden and unforeseen incident that poses an immediate health risk to you or others. Additionally, it creates a potential risk of loss or damage to your home and belongings. Health Risk Exposure The primary criterion for an emergency is the exposure to an imminent health risk. Whether it’s a sudden health hazard within your home, this situation falls under the category of an emergency. Risk of Loss or Damage Emergencies also encompass scenarios where there is a clear and present risk of loss or damage to your home or any of your belongings. This broad definition ensures coverage for various unexpected situations. Home Uninhabitable Another facet of emergencies is their impact on the habitability of your home. If an incident makes your residence temporarily uninhabitable, it qualifies as an emergency. Summary Understanding what constitutes an emergency is crucial for homeowners. From health risks to potential damage and rendering your home uninhabitable, emergencies cover a range of unforeseen incidents. This comprehensive definition ensures that your insurance coverage is responsive to a variety of unexpected situations.

Home Emergency coverage operates independently from your home insurance. Making a claim under Home Emergency does not impact your home insurance no claims discount. Exception Clause The only scenario in which your home insurance no claims discount may be affected is if you also make a claim on your home insurance for any resulting damage from the emergencies covered under Home Emergency. Summary Navigating the intricacies of Home Emergency and home insurance no claims discounts ensures clarity in your coverage. This separation allows you to address emergencies without jeopardising your home insurance history.

When it comes to Home Emergency cover, it’s essential to grasp the details of your policy. Under the standard Home Emergency coverage, you have the flexibility to make claims, each with a maximum limit of £250 per emergency. This means you can address various unexpected home emergencies, from boiler breakdowns to plumbing issues, with financial support. Annual Cap for Standard Coverage For standard coverage, there’s an annual cap in place to ensure a balanced usage of your coverage. You can make claims up to a total of £500 in any given year, offering a reasonable limit for addressing emergency situations. Enhanced Protection with Home Emergency Plus For those seeking extra protection, Home Emergency Plus offers an elevated level of coverage. This enhanced plan increases the limit per emergency claim to £1,000. Simultaneously, the total claims limit within a single insurance period is £1,000, delivering comprehensive protection for various emergencies. Navigating Unforeseen Home Situations Understanding the limits of your Home Emergency coverage empowers you to navigate unforeseen situations with confidence. Whether you choose standard coverage or opt for the enhanced Home Emergency Plus, Intelligent Insurance is dedicated to providing comprehensive solutions tailored to your needs. Summary Feel secure in the knowledge that your Home Emergency coverage is designed to offer financial support when you need it most, ensuring peace of mind for unexpected home emergencies.