Home emergency
cover

What you are insured for

• We will cover the following emergencies;
  • Sudden and unexpected roofing problems such as leaks or tiles 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 windows and doors that are a security risk
  • Any time 29 days after the start date of this insurance
• If there is an emergency we will tell you how to protect yourself and the property
• We arrange for an approved contractor to carry out an emergency repair, or a permanent repair if it is a similar price, up to a maximum of £500 including;
  • VAT
  • Call out charges
  • Labour
  • Parts and materials
• Should you not be able to stay in your home overnight because it is uninhabitable as a result of an emergency covered by the policy, if you ask us, we can arrange and pay up to a total £100 per incident for:
  • Your overnight accommodation
  • Transport to your accommodation, if necessary

What you are not insured for

• Any emergency which happens before the cover starts or within 28 days of this insurance. The 28 day restriction applies only at the start of your policy, it does not apply when you renew your cover
• Any loss or damage arising from circumstances that you were aware of at the time of entering into this contract
• Any loss or damage caused by or resulting from equipment failing to correctly recognise or respond to any data
• Any loss or damage caused by a boiler or heating system which has not been properly maintained or which is over 15 years old
• Any items that need replacing as a result of normal use such as replacement light bulbs and fuses in plugs
• The cost of replacing parts due to natural wear and tear
• Any leaking or dripping tap that needs a new washer or needs to be replaced, outside overflows, replacement cylinders, tanks, radiators and sanitaryware (e.g. baths and sinks)
• Burst or leaking flexible hoses, or leaking washing appliances which are fitted with a stop tap
• Water-supply pipes outside the home
• Breakdown of, loss of or damage to domestic appliances or Saniflow toilets and other mechanical equipment
• Damage to boundary walls, hedges, fences or gates
• Loss or damage arising from the utility company deliberately disconnecting or interrupting the mains services or any equipment they are responsible for
• Any damage or failure caused by malicious or wilful action, negligence, misuse, interference or faulty workmanship, including any attempted repair which does not meet industry standards
• Any loss arising from subsidence caused by new structures, demolition, structural repairs or alterations to the property, faulty workmanship or using faulty materials, or river or coastal erosion
• any loss or damage relating to permanent repairs more specifically insured as part of any other insurance policy
• Any loss or damage as a result of vermin either within or outside the home
• Any consequence whatsoever resulting directly or indirectly from or in connection with any of the following, regardless of any other contributing cause or event;
  • war, invasion, act of foreign enemy, hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

Get a quote for Home emergency cover via our call back system
Great value at only £7.95 per month