Home Emergency cover

What is Home Emergency cover?

Home Emergency is optional cover that provides you hassle-free protection from those unexpected emergencies that no one ever wants to deal with, that affect your home and need immediate attention. With Home Emergency, we'll arrange for a qualified tradesperson to provide a temporary repair for specified emergencies, day or night. You don't even have to worry about a call out charge.

Certain emergencies, such as pipe leaks and boiler repairs aren’t included in your home insurance policy, so this optional cover gives you extra peace of mind.

What’s covered

Up to £500 including VAT to cover the cost of a call-out and temporary repair for;

• Complete failure of a boiler or hot water system (which may leave you without hot water or heating in the winter)
• Bursting or sudden leakage of water pipes
• Complete failure of mains services
• Complete failure of the only accessible toilet
• Damaged and broken external locks, doors and windows
• Removal of wasp nests, mice & rats from within the home
• Failure or damage to underground drains and sewers

What’s not covered

• Failure of a boiler which is less than 12 months old, or is covered by a guarantee
• Dripping or leaking taps
• Let properties
• Second homes
• Homes that are left unoccupied for more than 60 days
• Any costs that haven't been previously agreed
• Pre-existing issues and emergencies that happen either before the policy starts or within 14 days following the start date of your policy
• Wear and tear, which we class as damage or deterioration caused by general everyday use

For full terms and exclusions of our Home Emergency cover, Please read our policy booklet.