Home Emergency

Home Emergency cover is designed to provide cover following a sudden or unexpected event which if not dealt with quickly would render your home unsafe or insecure, cause further damage to your home or cause personal risk. The intention of the Home Emergency cover is to provide an engineer to complete a temporary repair to limit or prevent damage. If a permanent repair would be of a similar cost to a temporary repair, a permanent repair will be provided as long as it is within the scope of cover provided.

Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home. Nor does it provide or cover the cost of boiler servicing and/or maintenance.


Cover Limits
Causes Covered Policy Limit
Maximum claim limit The amount we will pay in respect of any one period of insurance shall not exceed £1000 including VAT
Plumbing & drainage Up to maximum claim limit
Electricity supply Up to maximum claim limit
Cooking system Cooker/oven claim limit £250
Security Up to maximum claim limit
Main heating system Where a boiler is deemed to be beyond economical repair our liability will not exceed £500 where the boiler/appliance is up to 5 years old or £250 where the boiler/ appliance is greater than 5 years old but less than 10 years old.
Hot water Up to maximum claim limit
Lost keys Up to maximum claim limit
Pest infestation Up to maximum claim limit
Water supply pipe Up to maximum claim limit
Gas supply Up to maximum claim limit
Excess Excess amount zero
Standard policy excess Zero
*In order for cover to be provided for the primary heating system the homeowner must ensure the boiler is serviced annually by a gas safe engineer.