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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?

This is a type of insurance that helps you with home emergencies. It can help avoid searching for someone to fix the problem and covers the cost of a tradesperson. For example a plumber or an electrician call-out fee, and the labour and materials needed to repair the problem.

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

This cover often has to be added to your home insurance policy.

We have the following cover options to choose from:

  • Home emergency assistance (included as standard)
  • Upgraded home emergency cover.

This cover can help cover urgent repairs to fix the issue, however for more extensive repairs such as repairing the damage, you'll have to make a claim on your home policy.

What does MORE THAN 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.

How do I get upgraded home emergency cover?

Add home emergency cover in the optional cover section when getting a home quote.


What does MORE THAN home emergency cover?

Small detached house.

What's covered:

  • Burst pipes 
  • Broken doors and windows 
  • Roof damage
  • Power failure
  • Blocked drain or toilet
  • Pest infestations (upgraded home emergency cover only)
  • Boiler breakdowns (upgraded home emergency cover only)
  • Overnight accommodation if your home cannot be lived in. Cover limits apply.
What's not covered?
  • Non-emergency repairs. If your house is safe to live in and repairs can wait for a day or more
  • Boiler servicing or issues caused by a lack of care or servicing
  • Wear and tear or general maintenance repairs, like a dripping tap 
  • If you have two toilets in your house and one becomes blocked, this isn’t a plumbing/drainage emergency, as you still have access to a toilet
  • Problems in unoccupied properties. If your property has been vacant for more than 60 days 
  • Any incident that occurs in the first 7 days of the start of your home emergency assistance or upgraded cover option.

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.

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.

Roofing

We will repair your roof to make it watertight and stop any further damage to your home, like damage to your roof during bad weather. General wear and tear to your roof is not included, such as a loose tile.

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.

Need to make a claim

Need to get an urgent repair fixed? Call us 24/7 and we'll get someone to help.

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 is considered a home emergency

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

Here are a few examples:

  • Makes your home uninhabitable
  • Is causing permanent damage to your home
  • You and your family are in danger or at risk.

Do I need home emergency cover?

Home emergency cover is not essential but can help for urgent home emergency repairs. 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.

If you rent, check with your landlord to understand what cover they have, like, if your boiler breaks down or roof is damaged.

This 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.