Home Emergency Cover from £94.75

Up to £1,000 of cover per incident, with zero excess to pay

Home Emergency Cover provides emergency repairs to your home to limit the damage and inconvenience to you. With approved contractors available day and night, we'll help restore harmony to your home.

Up to £1,000 of cover, zero excess & no call-out changes

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Standard Cover

Standard Cover Level – Maximum of 3 claims per policy with a limit of £500 (including VAT) per claim including Call Out charges, labour, parts and materials.

94.75 / per year
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Plus Cover

Plus Cover Level – Unlimited Claims with a limit of £1,000 (including VAT) per claim including Call Out charges, labour, parts and materials.

179 / per year

Please download and read the Product Information Document & Policy Wording for a full description of all the benefits and protection, prior to proceeding with your purchase.

Boiler breakdown and annual service included in our Plus cover.

Primary Heating System Cover

We will assist You to restore heating and/ or hot water to Your Home following an Emergency arising from the sudden and unexpected complete failure of the Primary Heating System.

Where a boiler is deemed beyond economical repair We will replace the boiler if it is 5 years old or less at the time of the claim. If the cost of the boiler is over the claim limit of the policy (£1,000) then We will make a payment to you of £1,000 instead. If the boiler is over five years old at the time of the claim We will contribute £200 towards the cost of a replacement.

Annual Gas Bolier Service

This is a service for an annual gas boiler service and operational safety inspection.

We will arrange for a boiler Engineer to complete a service and operational safety inspection on a date agreed by You. The service and operational safety check will include a full strip down service of Your gas boiler and flue gas analysis. The boiler service provider will contact You at Your Home address within 30 days of taking out this service.

Learn more about whats included in our Standard and Plus cover.

Home Security

We will assist You to make the Home secure following an Emergency arising from the sudden and unexpected failure of or damage to external locks, fitted to doors and windows where the failure or damage is such so as to render the Home unsafe or insecure.

Roof Repairs

If damage to the roof of Your Home due to bad weather conditions or falling trees or branches, then an approved contractor will be on hand to provide emergency repairs.

Plumbing and Drainage

We will assist You to stop the Emergency which has arisen from the sudden and unexpected failure of or damage to the plumbing or drainage system within the Home which has or may result in internal water leakage, flooding or water damage to the Home.

Water Supply

We will assist You to restore the water supply following a sudden unexpected leakage, collapse or blockage of the mains water supply pipe connecting the main stopcock in Your Home to the point where it is connected to the public or shared water supply pipe within the boundary of Your Home.

Electricity Supply

We will assist You to restore the electricity system to the Home following an Emergency arising from the sudden, unexpected and complete failure of the electricity system in the Home.

Gas Supply

We will assist You to restore the gas supply following a sudden and unexpected failure of the internal gas supply from the meter to the gas appliance

Cooker / Oven

We will assist You to restore a means of heating and preparing food within the Home following an Emergency arising from the sudden, unexpected and complete failure of the permanently-installed cooking system.

Pest Infestations

We will remove and control the pest infestation. Pests are defined as brown or black rats, house or field mice in the home (including an attached garage or outbuilding) and wasps or hornets nests in the home or garden.

Alternative Accommodation

If your home is declared unsafe after an Emergency which falls under this policy, you'll receive up to £250 towards hotel (room cost only) for up to 48 hours.

Find out more with these common questions.

Unlike other providers, we do not charge an excess if you make a claim. All callouts are covered by your annual premium. Our cover is underwritten by Acasta, a UK-leading insurer with over a decade of experience providing Home Emergency, so you know you're in good hands.

With the Plus Cover Level there's no limit to the amount of claims you can make throughout the year, and for every unrelated claim, you'll receive up to £1,000 worth of cover.

With the Standard Cover Level there's a maximum of 3 claims per policy with a limit of £500 per claim

Our Home Emergency Cover is only applicable for homeowners' primary place of residence. This policy is not available for a property which you rent or let.

Our covers will provide up to £1,000 per claim which is more than enough in the case of most home emergencies. However, for more expensive repairs, any additional costs will be yours to pay, but with our network of contractors we can aid in arranging these repairs for you.

All claims must be reported within 48 hours of the incident.

Yes. In cases where floorboards or any other material of your home is affected while accessing the problem then we will cover the work done to find and repair the fault. However, we will not replace the material of your home to the same state it was in before superficially - repairs will leave the home in a safe and useable condition, but this insurance should not be considered a maintenance policy.

We require that you make sure that your home is in good condition and that you do your best to prevent anything that may cause a claim. This means that you must carry out any inspections or services of fittings in accordance with the manufacturer's instructions and complete any necessary maintenance to the structure of the home. Our cover is designed to address sudden emergencies which require immediate assistance.

We define an emergency as something which is sudden, unexpected and requires immediate corrective action to; prevent damage or further damage to your home; makes your home safe or secure; or to relieve unreasonable discomfort, risk or difficulty to you.

What makes this policy the best Home Emergency Cover?

This home emergency assistance policy is designed to make your home safe and secure, and repairs carried out will aim to prevent further inconvenience to you and damage to your home. We provide up to £1,000 per claim to make sure that, in the event of a home emergency, help is at hand. Access to a 24/7 helpline means that assistance is available when you need it most. Prefer to sort it out yourself? Emergency call-out charges can be costly, but this and much more is covered in one annual policy.