Home Emergency Cover from £49.99

Up to £1,000 of cover per year, with no 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.

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Standard Cover

Residential Standard Cover Level -A limit of £500
per claim (including VAT) with an overall maximum
limit of £1000 per year which covers call out charges, labour, parts and materials.

£49.99 / per year
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Plus Cover

Residential Plus Cover level – Offers extra cover for your Primary Heating system. A limit of £500 per claim (including VAT) with an overal maximum limit of £1000 per year which covers call out charges, labour, parts and materials.

£94.99 / per year

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

Residential Standard Cover

Plumbing & Drainage
Damage to or failure of the plumbing and drainage system where internal flooding or water damage is likely, including blocked toilets and external drains.

Internal Electricity
An electricity failure of at least one complete circuit.

Gas Supply
Repairing or replacing a section of damaged internal gas supply pipe causing a leak.

Water Supply
A complete loss of the water supply to the kitchen or bathroom.

Security
Damage to or failure of an external lock, door or window which renders the home insecure.

Access to Home
Loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained

Pests
An infestation of wasp nests, hornet nests, mice and/or rats.

Roofing
Missing, broken or loose tiles causing internal water damage.

Overnight Accommodation
Overnight accommodation where the home is rendered uninhabitable.

Residential Plus Cover

Plumbing & Drainage
Damage to or failure of the plumbing and drainage system where internal flooding or water damage is likely, including blocked toilets and external drains.

Internal Electricity
An electricity failure of at least one complete circuit.

Gas Supply
Repairing or replacing a section of damaged internal gas supply pipe causing a leak.

Water Supply
A complete loss of the water supply to the kitchen or bathroom.

Security
Damage to or failure of an external lock, door or window which renders the home insecure.

Access to Home
Loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained

Pests
An infestation of wasp nests, hornet nests, mice and/or rats.

Roofing
Missing, broken or loose tiles causing internal water damage.

Overnight Accommodation
Overnight accommodation where the home is rendered uninhabitable.

Also includes:

Primary Heating System
The complete breakdown of the domestic boiler and/or central heating system which results in the loss of heating and/or hot water.

Boiler Replacement Contribution
A contribution towards the cost of a replacement boiler should yours be deemed to be beyond economical repair.

Alternative Heating
Up to £100 towards the cost of alternative heating sources where deemed necessary following a claim under Primary Heating System

Find out more about our cover 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 up to the specified policy limits. Our cover is underwritten by Royal & Sun Alliance, a UK-leading insurer, and claims are administered by LIM Group who are specialist Home Emergency claims handlers with access to a nationwide network of around 2,000 engineers, so you know you're in good hands.

Under both Residential and Residential Plus cover, there are no set amount of call outs a year. However, there is a £500 limit for each claim you make and an overall limit for the year of £1000

Our Residential and Residential Plus cover, is not available for a property you rent or let. However, we do offer this cover under a separate contract. Please click on the following link to take you to our Landlord Home Emergency Cover.

Our covers will provide up to £500 per incident with a maximum limit for the year of £1000 which is more than enough for most home emergencies. However, should any repairs or replacement parts exceed this level, we can aid in arranging these repairs for you with any additional costs being paid for by you. You will be informed of these costs before any work is undertaken

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

There may be times when our contractor has to carry out trace and access in order to locate the emergency. This may involve removing and/or damaging parts of the home, fixtures and fittings to enable the contractor to find the source of the issue. In these circumstances, we will not be responsible for any damage caused where this has been deemed as necessary by our contractor in order to complete a temporary repair (or a permanent repair where this can be done at a similar cost). This will be carried out with the permission of the homeowner.

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.

Yes, you have to wait 14 days from the start of the contract to make any claim.

Please call our helpline within 48 hours of the incident arising, on 01384 884040 which is open 24/7, 365 days a year.

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 £500 per incident with a maximum in any one year of £1000, 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.