Your boiler is pretty important to your home, especially over the colder months – it brings you warmth and comfort, so when things go wrong it can cause a bit of a problem. Boiler insurance will fund the cost of repairs and labour.

Is home emergency cover worth it?

Boiler breakdowns and central heating malfunctions can happen at the most inconvenient of times, and there’s nothing worse than being left in the cold. With emergency cover, you have the peace of mind that you will be protected around the clock – meaning should the worst happen, a trained engineer will be there to see to the problem at the earliest possible time. 

Electric and gas boiler cover

Unlike gas boilers, electric boilers don’t have as many mechanical parts running them, so they generally take less maintenance – though of course they must be regularly maintained. 

What is covered?

  • Emergency repairs to boiler and central heating system
  • Up to £500 per claim
  • Access to 24/7 helpline
  • Overnight accommodation should your property become uninhabitable, with cover up to £250 depending on your policy. 

What’s not covered?

The costs (or any contribution towards the costs) of replacing a boiler if:

  • It cannot be repaired; or
  • The appliance is beyond economic repair (i.e. the cost of repairing the appliance is more than the cost of replacing it); or
  • Repairs will cost more than £500.

Do I need to service my boiler regularly?

It is a condition of our policy that you carry out any inspections or services in accordance with the manufacturer’s instructions (e.g. arrange an annual service). Doing so will also reduce the likelihood of an emergency situation occurring.

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buildings & Contents Insurance Cover Levels

Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.

Buildings cover

Covers the main structure of your home, including attached garages and conservatories, if you need to rebuild or repair it following an insured loss. Also covers permanent outdoor structures such as driveways, patios and boundary walls.  

£1 million

(more cover available if you need it) 

Contents cover

Covering the value of the possessions you could take with you when moving home, such as furniture, clothing, valuables, appliances, fittings, entertainment equipment, gadgets and bikes, following an insured loss. Cover provided on a new for old basis. 

from £25,000

Alternative accommodation

Covers the cost of alternative accommodation for you and your pets, together with reasonable expenses (e.g. travel, food, laundry) if you can’t live in your home (or where you’ve been advised to evacuate) due to an insured loss. 

up to £85,000

Home emergency

Covers sudden, unexpected emergencies, such as uncontrollable water leaks, that require immediate corrective action to prevent or limit damage to your home, or make your home secure. Two levels of cover are available, for different types of insured loss. 

up to £500

Family legal protection

Covers legal costs following an insured loss. There must be reasonable prospects of winning and the incident must have occurred during the policy term. Two levels of cover are available, for different types of insured loss. 

up to £25,000

Trace and access

Covers the cost of detecting the source of a water or oil leak to your home or outbuildings. Includes reinstating any wall, floor, ceiling, drive, fence or path removed or damaged during the search (up to the claim limit).  

up to £10,000

Outbuildings cover

Covers rebuild or repair of your outbuildings (e.g. detached garages, greenhouses, sheds and summerhouses) that are within the boundary or a communal area you’re legally responsible for, if you need to rebuild or repair them following an insured loss. 

from £20,000

Liability cover

Covers damages and claimants’ costs and expenses for your legal liability in the event of accidental death, injury or illness to a third party, or damage to property belonging to a third party. 

up to £5 million

Personal possessions

Covers items likely to be worn, carried or used by you away from your home (e.g. bags, clothes and sports equipment) in the event of physical damage or theft. Cover provided anywhere in the world. 


Gadgets, bikes and valuables away from the home

Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes), valuables (e.g. watches and jewellery), equipment (e.g. hearing aids) and other expensive or high risk items that you take out of your home. 


Accidental damage

Covers sudden, unexpected and unforeseen events around the house (e.g. spillages or breakages) that result in physical damage and which was caused by you, your guests, a third party or wild animals. Two levels of cover are available


What’s covered by BUILDINGS & contents insurance?

Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.

It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.

What we offer

Quick home emergency response times

Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.

Extreme weather conditions may extend response time. Policy terms and claim limits apply.

5 star rated buildings cover

Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.

Repair guarantee

Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.

New for old

Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.

Legal advice

We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.

What isn’t included?

Damage cause gradually, or by wear and tear, or by failure to fix a known issue.

Faulty design or poor workmanship.

Damage caused by pets.

The cost of repairing or replacing items following a mechanical or electrical fault.

Lost items.

Your Questions Answered

Our Full Home Emergency insurance option covers the cost of emergency boiler repairs (up to the £500 claim limit) in the case of sudden failure, except where it cannot be repaired or is beyond economic repair. Homeprotect emergency cover does not cover replacement boilers or appliances.     

There is no limit on how many callouts you can make but there is a limit of £500 for each emergency claim (call-out charges, parts, materials, labour and VAT)

The sudden or unexpected occurrence of an insured incident during the policy term, which necessitates immediate corrective action to:  

  • Prevent damage or further damage to your home;  
  • Make your home secure; or  
  • Relieve unreasonable discomfort, risk or difficulty to you and your family.  

The following circumstances are covered under our Basic Home Emergency (subject to terms and conditions), which is included as standard: 

  • Plumbing and drainage (i.e. damage to or blockage, breakage or leaking of the drains or plumbing system (that you are responsible for) 
  • Power supply (failure of the domestic electricity or gas supply) 
  • Toilet unit (damage to or mechanical failure of a toilet bowl or cistern that results in complete loss of function of the only toilet – or all toilets – in the property) 
  • Home security (damage to, or failure of, external doors, windows or locks which leaves the property insecure) 
  • Vermin (the sudden infestation of vermin in the insured property which prevents the use of the lofts or one or more rooms) 

Our full home emergency option also covers (again subject to terms and conditions), the following circumstances: 

  • Main heating system (i.e. failure to function of the boiler) 
  • Roof damage (where internal damage – e.g. an ingress of water – has been caused or is likely) 
  • Hotel accommodation (£300 to cover the cost of a room if the property is uninhabitable following an emergency) 

More details can be found in our Insurance Product Information Document (IPID)

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