Home Emergency Extra cover
Added protection for emergencies
Do you have a policy with us?
Make or check a claim, renew your policy or get help with your cover.
What is Home Emergency Extra cover?
Home Emergency Extra cover is a home insurance add-on that protects you when the unexpected happens in your home. This includes things like burst pipes or broken boilers.
It provides temporary repairs for urgent damage, along with a 24/7 emergency helpline you can call when you need our help.
Home Emergency Extra cover comes as standard with More Than Premium cover. It can be added to More Than and More Than Plus policies.
Why choose our Home Emergency Extra cover?
24-hour helpline
Call us round the clock when you have a home emergency and need our help.
No excess to pay
You don’t need to pay an excess on claims for emergencies.
Unlimited claims
Claim as many times as you need for emergencies in your home.
What’s covered?
See what’s included in our Home Emergency Extra cover.
| Claims per year | Unlimited |
|---|---|
| Claims limit | £1,000 |
| 24/7 emergency helpline |
|
| Boiling and heater system |
|
| Alternative accommodation |
|
| Temporary heating |
|
| Plumbing |
|
| Drainage |
|
| Windows, doors and locks |
|
| Electrics |
|
| Roofing |
|
| Internal gas pipes |
|
| Pests |
|
| Beyond economic repair contribution | £250 |
Head to our policy book to find out more about what each benefit means.
What isn’t covered?
There are a few things that Home Emergency Extra doesn’t cover.
Temporarily frozen pipes
Pipes that have been frozen temporarily by cold weather aren’t covered.
But if your pipes are damaged and you want to claim on your home insurance, get in touch with us.
You can also check out our Buildings Insurance page to see what you can claim for when it comes to damaged pipes.
Unoccupied properties
Home Emergency Extra won’t cover properties if there hasn’t been anyone living there for over 60 days in a row.
Claiming over four days after discovery
You won’t be able to claim if you find an emergency but wait over four days to tell us about it.
Permanent fixes after temporary repair
Home Emergency Extra cover provides temporary repairs for urgent issues. It won’t cover further repairs needed after this – for example, to fix the damage long-term.
That’s where your regular home insurance comes in.
How do I add Home Emergency Extra to my policy?
New customers
If you buy More Than Premium Home Insurance, Home Emergency Extra cover is part of your policy as standard.
If you want More Than or More Than Plus Home Insurance, you can add Home Emergency Extra as an add-on when you buy your policy.
Existing customers
Get in touch with us if you want to add Home Emergency Extra cover to your policy.
Home insurance that suits you
If you have Home Emergency Extra cover and the cost of your emergency repair is more than £1,000, you’ll need to pay any amount over that.
Don’t forget, you don’t need to pay an excess on Home Emergency Extra claims.
Home Emergency Extra cover can be useful for those urgent moments where you need help fast.
It will help you when an emergency happens to your home, like urgent roof damage from a storm or a burst pipe. It means any urgent damage can be temporarily repaired until you get it permanently fixed.
More Than Premium policies include this cover as standard, but you can add it to other cover levels.
No, Home Emergency Extra claims won’t increase the cost of your home insurance.
This is a payment we make to you to help with costs when repairing your boiler costs more than it would to replace.
For example, if your boiler broke and an engineer confirmed it would cost £400 to repair but £350 to replace, we’d contribute up to £250 to help you buy a new boiler.
Other home policy upgrades
More about our optional extras.