BOILER INSURANCE
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 if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Contents cover
Covering the value of all your possessions in the home, on a new for old basis.
from £25,000
Alternative accommodation
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Home emergency
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Outbuildings cover
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
from £20,000
Liability cover
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Personal possessions
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
Optional
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.
Optional
Accidental damage
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
Optional
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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