Home Emergency

• Claims line open 365 days a year.

• UK-wide audited and monitored contractor network.

• Potentially, additional cover for alternative accommodation, should the property become uninhabitable.

• No limit on the number of claims that can be made in any one policy period.

• Zero Excess!

• Provides cover for the fees of a contractor to attend the property and effect an emergency repair for:

• Burst pipes or sudden leakage

• Failure of your domestic water mains or electricity supply.

• Total failure and/or breakdown of your heating system.

• Inoperable toilet.

• The property becoming insecure from damaged doors, windows or locks.

• Down-piping or guttering failure.

• An infestation of pests.

• Whilst we always strive to deliver you maximum benefit at the lowest price, you must know that some circumstances or events are not covered by us. Our terms and conditions clearly explain what incidents we will not be able to pay out on so please read them carefully.

Please read the T&C's for full policy exclusions

The insurer will not be liable for costs incurred in respect of:

• Normal day-to-day maintenance or any matter that is not an emergency

• Breakage of internal glass or of any basin, bath, bidet or shower base;

• Failure of any services where the problem is situated outside the boundary of the plot of land on which your property is

• situated or beyond the part of the sole or shared supply system or piping for which you are legally responsible;

• The cost of effecting permanent repairs once the immediate emergency situation has been resolved, including any

• redecoration or making good the fabric of the property;

• Damage incurred in gaining necessary access;

• Breakdown of, loss of or damage to domestic appliances or Saniflo toilets and other mechanical equipment.

• What is not covered in connection with the primary heating system or warm air unit or hot water:

• Air locks in the central heating piping;

• The re-lighting of central heating boilers;

• Failure of zone or changeover valves or energy management systems;

• Any claim involving a boiler or warm air unit with an output exceeding 170,000 btu’s capacity;

• Breakdown and/or failure of Economy 7 Storage Heater(s);

• Any boiler or warm air unit more than 15 years old;

• Replacement of any boiler or warm air unit if repair or reinstatement is not possible due to the non-availability of parts;

• Any costs arising as a result of failure to service the boiler or warm air unit annually or in accordance with the manufacturer’s instructions. Any recommendations following servicing should be carried out and the costs will be your responsibility