Home emergency
cover
Your questions
- What is covered by Home Emergency Cover?
- Which emergencies are covered?
- Does my home insurance policy already cover me?
- How do I arrange cover?
- When does cover commence from?
- Am I eligible for cover?
- What if I move house?
- What happens if I have a complaint?
Our answers
1. What is covered by Home Emergency Cover?
Incidents that leave your home unsafe or insecure for its occupants, or a third party or create a risk of loss of or damage to the Home or its contents or leave the home without Essential Services.
The essential services into your home which you are covered for include mains drainage to the boundaries of the home, water, electricity and gas within the home and the main source of central heating or hot water where no alternative exists.
2. Which emergencies are covered?
Sudden unexpected problems:
- roofing problems, such as leaks or tile blown off during a storm or bad weather
- blockages in toilet waste pipes
- plumbing problems related to leaking pipes, blocked drains water tanks or leaking radiators
- failure of the central heating system or boiler
- failure of the gas or electricity within the property
- failure of the hot-water system
- loss of all keys needed to get into Your Home (excluding garages and outbuildings)
- broken or damaged window and doors that are a security risk
3. Does my home insurance policy already cover me?
While your home insurance will normally cover the residual damage caused by these events, it will not always provide prompt attention and/or cover the cost of dealing with the emergency itself. Furthermore, standard home insurance policies usually carry an excess of at least £50 whereas there is nothing to pay in the event of a claim under Home Emergency Cover.
If you are eligible for cover, one simple phonecall to our helpful advisors, answer a few questions and your insurance will be arranged there and then. However, please note cover commences 29 days after the start date of the insurance.
5. When does cover commence from?
You are covered for emergencies that happen 29 days after the cover start date of your policy
If you are a homeowner, and live in UK mainland or the Isle of Wight, you may be eligible for cover. Please note Norwich Union Direct may decline to provide cover in certain circumstances - we will advise you if you call us on 0800 056 3392*.
Simply call 0845 300 3345* and we'll cancel your old details, and set up your new details and cover (provided you are eligible for cover).
8. What happens if I have a complaint?
You can simply call us on 0845 300 3345*.
If you are not satisfied with the way your question or complaint has been answered then please write to the Customer Relations Manager, Norwich Union Direct, Freepost RLYC-LXAL-GEEH, Homeserve, Cable Drive,Walsall WS2 7BN or telephone 0845 300 3345.
Full details of our complaints procedure is set out in the policy booklet.
Get a quote for Home emergency cover via our call back systemGreat value at only £7.95 per month
* Calls may be recorded and/or monitored
