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Home insurance

Upgraded home emergency cover

Upgrade with up to £1,000 of home emergency cover and get 24/7 help and support.

Must use a MORE THAN authorised tradesperson. The cover is not available for the first 7 days the policy is taken out.

What is home emergency cover?

Got a problem in your home that needs fixing straight away? Home emergency cover is there when you need help in a hurry.

A home emergency is an event that causes your home to become unsafe, insecure or cause damage to your home or contents.

We give you up to £200 home emergency assistance cover as standard. If you experience an emergency, such as a burst water pipe, which leaves your home unsafe or could cause further damage to your home or contents. Call us 24/7, and we’ll aim to get a MORE THAN authorised tradesperson with you within 4 hours of a customers' call in 79% of cases (based on MORE THAN data from January to December 2020).

Want to increase your cover to up to £1,000 or include cover if your boiler breaks down (boiler age and servicing restrictions apply), then upgrade to our home emergency cover to help with those repairs.

What does home emergency cover?

We have 2 types of home emergency cover, see our comparison table to help you understand what best suits your needs:

Home emergency assistance vs upgraded home emergency cover

Home emergency assistance

What's included:

Upgraded home emergency cover

What's included:
Up to £200 cover

Up to £1,000 cover

24-hour home emergency helpline
24-hour home emergency helpline
12-month guarantee on repairs
12-month guarantee on repairs
Repairs on plumbing and drainage issues
Repairs on plumbing and drainage issues
Repairs on electrical failures
Repairs on electrical failures
Roof damage repairs
Roof damage repairs
Repairs to door and window locks
Repairs to door and window locks
Repair problems with your heating
Repair problems with your heating
Boiler repairs *
Boiler repairs *
Pay up to £500 towards the cost of a new boiler *
Pay up to £500 towards the cost of a new boiler *
Removal of pests
Removal of pests

Important information

* Boiler age and servicing restrictions apply.

Tenants are unable to buy our upgraded home emergency cover.

Does upgraded home emergency cover boilers?

Our home emergency cover includes boiler repairs if you lose heating in your home.

If your boiler breaks and cannot be repaired or is too expensive to repair (costs more than a new boiler of similar make and model, including installation), we will pay up to £500 towards the cost of a new boiler. Terms apply.

Your boiler must be serviced annually with a registered tradesperson.

Boilers over 15 years old or with an output of 60kW or more will not be covered.

What home emergencies do we cover?

Learn what our standard and upgraded covers include:

Plumbing and electrical

We will pay up to the chosen cover limit if your main heating system fails, or if you have issues with your plumbing and drainage. Only our upgraded home emergency cover includes boiler repairs if you lose heating, ideal in those cold months. Boiler age and servicing restrictions apply. Our cover helps with electrical failure that can make your home unsafe and result in the loss of your main source of lighting and power.

Roofing

We will repair your roof to make it watertight to stop no further damage caused to your home.

Security

We cover keys and locks in your home. This includes accidental damage to the locks or loss of keys to the outside doors or safes and alarms in your home. We will pay the cost of buying new keys, changing parts of the locks and replacing the locks. Cover limits apply.

Pest infestation

Only our upgraded home emergency cover includes removal of pests. We will help with the removal of rats, mice or squirrels or the treatment and removal of cockroaches, wasps or hornets nests that infest inside your home or are attached to the main structure of your home. Damage outside your home, which is not causing damage to the interior of the home or its contents will not be covered. We'll pay for 2 incidents in any one insurance policy year.

Alternative accommodation cover

We will pay for overnight accommodation if your home cannot be lived in due to damage that is covered by your policy.

Should I get home emergency cover?

Look at your circumstance and understand if additional cover suits your needs.

Increasing your emergency assistance cover to up to £1,000 (£200 comes as standard) can help pay for those more expensive repairs and boiler repairs, giving you peace of mind if the unexpected should happen. With a 24 hour helpline and access to approved tradespeople, this upgrade gives additional cover for emergencies that occur in your home, and up to £500 towards replacing your boiler. Restrictions apply.

The cover isn’t available for the first 7 days the policy is taken out.

Home emergency cover booklet

Become an expert, learn more about our home emergency cover in our booklet.