Home Emergency Cover

You can add Full Home Emergency cover when you get a quote for home insurance

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Close to hand with our 24/7 emergency claims helpline

When the unexpected strikes, take the stress and hassle out of it by knowing that the support that you need is at the ready.

New customer policies include up to £600 of Basic Home Emergency cover as standard. For more comprehensive cover, you can upgrade to Full Home Emergency cover which includes unlimited callouts and an increased limit per claim, plus cover for your boiler if it breaks down, and alternative accommodation.

Home emergency insurance

Full Home Emergency cover includes:

  • Failure of water, gas or electricity supply
  • Emergency repairs to boiler
  • Emergency repairs to heating system
  • Removal of pests and vermin
  • Securing external windows, doors and locks if security is compromised
  • Roof damage as a result of a storm

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What is home emergency cover?

Home emergency cover provides access to a 24/7 helpline and is designed to insure against incidents like leaking pipes and emergency boiler repairs. Home emergency cover is typically an optional add-on that you can take when purchasing a home insurance policy.

Boiler cover

Upgrade to Full Home Emergency cover to be insured for emergency repairs to your boiler and heating system. Up to £500 per claim.

Cover levels may vary depending on your circumstances. Please refer to the table below or use the downloadable PDF document.

Cover Levels Basic Owner Occupied Holiday Home B&B Unoccupied Weekend/ Weekday Landlord 
 Cost per month  n/a* £4.17  £4.17  £4.17  £4.17  £4.17  £5.00 
Limit per callout  £200  £500 £300  £300  £300  £300  £500 
Total callout limit per year  £600  Unlimited  £1500  £1500  £1500  £1500  Unlimited 
Access to 24/7 helpline  Yes  Yes  Yes  Yes  Yes  Yes  Yes 
Burst pipes  Yes  Yes  Yes  Yes  Yes  Yes  Yes 
Roof damage  Yes  Yes  Yes  Yes  Yes  Yes  Yes 
Failure of Water/Gas/Electricity  Yes  Yes  Yes  Yes  Yes  Yes  Yes 
Emergency repairs to boiler  No  Yes  Yes  Yes  Yes  Yes  Yes 
Emergency repairs to heating system  No  Yes  Yes  Yes  Yes  Yes  Yes 
Alternative accommodation  No  Yes  Yes  Yes  Yes  Yes  Yes 

*Policies purchased on or after 2nd October 2014 include Basic Home Emergency cover within the annual premium.


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Additional Cover Options

Legal Expenses Cover

Basic Legal Expenses cover provides up to £25,000 for legal fees you may face for disputes associated with your home, such as a breach of contract for the sale or purchase of the insured property. You can upgrade to Full Legal Expenses cover.

Accidental Damage Cover

The HomeProtect policy will in most cases include a Basic level of Accidental Damage, which covers some electrical items in your home, such as your TV and gaming console, as well as mirrors, windows and sanitary fittings. Upgrades to Full Accidental Damage cover are available subject to policy terms and conditions.

Lost Key Cover

Up to £1,500 Lost Key cover for locksmith’s charges, new locks & keys, car hire and onward transport costs following the loss, damage or theft of your own keys. Additionally, re-programming of car immobilisers, infra-red handsets and alarms which are attached to the fob provided at purchase.

Need to make a claim?

Call our 24-hour Home Emergency claims line on 0330 660 0660. Please have as much information about the problem to hand as possible, including your policy number.


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