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Understanding the Basis of Replacement The term ‘new for old’ eloquently describes how an insurer replaces possessions that are damaged or destroyed. Fundamentally, items are replaced with brand-new equivalents, regardless of their age or depreciation. Example Illustration Consider this scenario: If your 7-year-old television succumbs to a fire, the insurer will promptly provide you with an equivalent model available in today’s market. Consequently, this replacement is valued at today’s prices, ensuring that you receive coverage to purchase a new item without any deductions for wear and tear. No Deductions for Wear and Tear A pivotal aspect of the ‘new for old’ concept is the complete absence of deductions for wear and tear. In simpler terms, your insurance coverage fully covers the cost of replacing the damaged or destroyed item with a new one, eliminating any reduction in value due to the age or usage of the original possession. Summary By exploring the concept of ‘new for old,’ homeowners gain insight into the replacement process and can confidently navigate insurance claims with the assurance of receiving equivalent, new items.

Understanding the coverage for high-risk items is crucial to ensure comprehensive protection. Here’s a breakdown: Automatic Coverage All high-risk items receive automatic coverage up to £2,000 per item. This coverage is applicable as long as your policy includes the correct level of valuables cover, emphasising the importance of accurately assessing your possessions. Essential Valuables Cover To avoid underestimating your possessions and being underinsured, having the right level of valuables cover on your policy is essential. This ensures that your high-risk items are adequately protected within the specified limits. Items Worth More Than £2,000 If you own items with a value exceeding £2,000, it’s necessary to list each separately on your policy. This applies regardless of whether these high-value items are kept inside or outside your home. Summary By understanding the nuances of high-risk item coverage, you can make informed decisions to safeguard your valuable possessions effectively.

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.

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.

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.