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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.

Claims arising within the first 48 hours after your Home Emergency Cover starts are not covered. This restriction does not apply if you held equivalent insurance immediately beforehand. Boiler replacement contribution A separate 30-day waiting period applies to the boiler replacement contribution available with Home Emergency Plus. This restriction does not apply if you held equivalent insurance immediately beforehand. First occupation and reoccupation Claims arising during the seven days immediately after you first occupy the home are not covered. The same seven-day restriction applies after you reoccupy a home that has been unoccupied for 30 consecutive days or more. Your policy schedule confirms which cover applies to you. Read your schedule and the relevant documents on our Policy Documents page for the complete terms, waiting periods and exclusions.

For a full policy year, Home Emergency Plus currently costs £57.12 when paid annually. If you choose to pay monthly, payments are approximately £5.40 a month. The total amount payable over 12 months is £64.83, including £7.71 in interest. Interest is charged at 13.5% (26.9% representative APR). The price and payment terms will be confirmed before you add the cover. What does Home Emergency Plus add? Home Emergency Plus provides higher claim limits and adds cover for specified primary heating-system, security and access emergencies, subject to the policy terms, conditions and exclusions. See our Home Emergency Cover comparison for the current benefits and limits. Can I add Home Emergency Plus during my policy? You can request to add Home Emergency Plus to an eligible policy through MyAccount or by contacting our team. If you add the cover part way through your policy term, the price for the remaining period will be calculated and confirmed before you proceed. Your confirmation will state when the additional cover begins. Waiting periods, eligibility requirements and exclusions may apply. Read when Home Emergency Cover starts and check your policy documents before adding the cover.

If you experience a potential home emergency, contact the 24-hour claims helpline shown in your policy schedule, policy documents or MyAccount. Call before arranging any work Contact the claims helpline before appointing a contractor or arranging repairs yourself. Work you arrange without prior approval will not be covered. Explain what has happened Provide details of the emergency, when it began and any immediate damage or safety concerns. The claims team will assess the circumstances against the cover shown in your schedule and the applicable policy terms. Reporting an emergency does not guarantee that the claim will be accepted. What happens if the claim is accepted? If an emergency repair is covered, the claims service may appoint an authorised contractor. Attendance and completion will be subject to factors including safe access, weather conditions, parts and contractor availability. Emergency repairs are normally temporary. You may remain responsible for arranging and paying for any permanent work required afterwards. What should I do if there is an immediate danger? For a gas leak, contact the National Gas Emergency Service first. If anyone is in immediate danger or serious property damage is likely, contact the appropriate emergency service or utility supplier before calling the Home Emergency claims helpline.

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.