Home emergency cover

Add our home emergency cover

It's good to be prepared for life's little emergencies. If you're stuck with no heating when the boiler breaks down or up to your ankles in water with a burst pipe, our extra home emergency cover can save the day – and your wallet. Home emergency cover comes as standard with our home plus home insurance.

What is home emergency cover?

You can add our home emergency cover to your home insurance for an additional cost. You can then call us 24 hours a day if disaster strikes. So, if you're suddenly faced with a blocked drain or a broken boiler, we'll send one of our authorised contractors as soon as we can to provide some home emergency assistance.

What we cover with our home emergency cover

We class an emergency as an unexpected event that puts you and your family or your things and your home at risk – or something that makes your home uninhabitable.

In fact, we cover all sorts of home emergencies to do with:

Plumbing or drainage

If you find yourself suddenly out of hot water, we can arrange for an authorised repairer to get in touch to deal with the issue. We cover emergencies related to blocked baths, toilets or external drainage.

Failed electrics

If you run into electrical failure, our house emergency cover add-on could help. You may also be covered for failed wiring to immersion heaters, boilers or bathroom lights.

Home security problems

Home security can be a real concern. Having emergency home cover can help in the event of a smashed window or broken lock. This add on could help provide peace of mind if you have an emergency that leaves you at risk of being burgled.

Pest infestations 

From rats and mice to hornets and wasps, having critters where they don’t belong can be an expensive problem to fix. Our home emergency cover add on may be able to help – as long as the pests are found inside your home.

Gas and electricity

Our policy extends to cover leaks in your gas supply, and we may repair or replace the section. But remember if you ever smell gas, call the National Gas Emergency Service on 0800 111 999. 

We’ll also help if your electrics fail and cause your house to be uninhabitable.

Boiler and heating system breakdowns

Our emergency home cover can help with a breakdown in your primary heating system, a fault in your boiler leading to decreased water pressure, and a leak in your heating system.

In some cases, we may reimburse you for temporary heating costs, or provide temporary heaters where available.

For a full list of what our emergency home cover insures you against, take a look at our policy documents.

As soon as we know what the problem is, we'll arrange the right tradesman for you, and pay up to £1,000 (including VAT) for an emergency repair.

But it's not just about fixing the problem. When you call, we'll give you advice on how to protect you and your family, and your home, in the meantime. And if you can't live at home for a while, even after the problem is fixed, we'll reimburse you up to £250 for other accommodation and travel.

What's not covered?

We only pay for the emergency repair with this extra home emergency assistance cover – we don't pay for any damage caused by the emergency. But it's worth checking against another part of your home insurance – in case it’s covered elsewhere.

There are a few emergencies at home we don't cover, and conditions, exclusions and limitations apply. Have a look at our policy document for a full list of conditions.

Here are some of the main things to remember.

Our home emergency insurance cover add on doesn't help with:

• Loss or damage caused by something you knew about before you bought your policy
• Loss or damage when you didn't contact us to arrange a repair
• Anything caused by equipment or services your utility companies are responsible for
• Damage caused when you or your contractor tried to repair or modify your home
• For normal maintenance you need to take care of
• Repairing or replacing pipework outside your home
• Repair costs covered by any guarantee or warranty
• Wear and tear or when things need to be replaced to resolve the emergency
• Removal of asbestos
• Damage resulting from Trace and Access
• Any issues from problems resulting from landslide, demolition or alterations to your home.

Looking for even more peace of mind?

You can add our enhanced accidental damage cover for your home – just in case you drill through a cable or cut through a water pipe.

Find out more

Make sure you’re fully aware of what’s covered, so you’re not in for a second shock should the worst happen. Read our policy booklet for our list of inclusions and exclusions.