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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.

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.

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.

You will receive information about any policy endorsements either through the online platform or via email before finalising your insurance purchase. Take a moment to carefully review the details labelled ‘Endorsements’ presented along with the price before making an online purchase. For a comprehensive understanding, you can also locate this information on your Policy Schedule. The full details, including the wording, will be available under the heading ‘Endorsements’. This ensures transparency and allows you to have a clear overview of any special terms or limitations associated with your coverage.