Why you might need to consider home emergency cover

If a pipe bursts or your boiler breaks down, it can be a huge relief knowing you’ve got home emergency cover in place to rectify the emergency quickly and cover any repair costs.

Depending on the level of cover you choose, if your central heating stops working, you have an electrical fault in your home or you discover pests have made a nest in your house, your Home Emergency insurance provider will send out an approved tradesperson to fix the problem.

While home insurance will usually cover any damage caused by an emergency – for example, if a pipe bursts and the water ruins your carpets – it won’t usually cover the costs for call-out fees or emergency repairs of your boiler and central heating or your plumbing and drainage system.

It’s important therefore, to have home emergency cover in place before a problem develops, to make sure you’re covered in the event of an emergency.

What does home emergency cover include?

If you buy Enhanced Complete cover, you’ll benefit from the following:

• Boiler & central heating: this will cover you in the event your boiler stops working and you’re left without heating and/or hot water. We can cover gas, oil and LPG boilers under 15 years old. It’s important you get your boiler serviced once a year to keep it well-maintained.

• Plumbing & drainage: this covers you for damage to or failure of your plumbing and drainage system where you’re likely to suffer internal flooding or water damage. This includes loss of access to your only or all toilets within your home.

• Electrics: covers you for the electrical failure of at least one complete circuit.

• Security: this covers you if your windows, doors or locks are broken and your home is not secure. We’ll also cover you for the loss of your only available key to the home which can’t be replaced (and normal access can’t be obtained).

• Pests: we’ll cover you in the event you suffer from an infestation of mice and/or rats, as well as wasp and hornet nests.

• Roof: covers you for missing, broken or loose tiles which is causing internal water damage.

• Boiler Replacement Contribution: we’ll give you a contribution towards the cost of a replacement boiler if yours is deemed to be beyond economical repair.

• Overnight accommodation: where it’s not been possible to resolve your emergency following an accepted claim for emergency repairs, we’ll arrange overnight accommodation for you.

What’s classed as an emergency?

We class an emergency as a sudden or unforeseen event which, if not dealt with quickly would:

• Render your home unsafe or insecure

• Damage or cause further damage to the home

• Cause personal risk to you

• Cause a health and safety risk to others

Can you get cover for non-emergencies?

If you upgrade to Premium Complete home emergency cover, you will be covered should any of the above scenarios occur as well as being covered for non-emergency situations.

A non-emergency (or breakdown) is a sudden and unforeseen malfunction with results in the unit or system no longer working or operating as expected.

This would include repairing dripping taps, replacement of leaking pipes and thermostats/temperature timings.

Looking to save money on insurance? From boiler and heating protection to plumbing and drainage, and appliance cover, we’ve got a plan to suit every need and budget. Get a free quote online in just minutes and see how much you could save. Or find out more about how protection against unexpected events can help you keep life running smoothly.