cheapest Home Emergency Cover competitive

When you search online for a Home Emergency Policy, you will find that ours is one of the the most competitive on the market and yet we don't compromise on the cover.  How we keep the price low is because we have an initial 28 day excess period when you first buy the policy. This prevents people buying the product because they already have a potential claim and means that as a result our claims experience is generally good, which means we can keep our prices low.

We also don't do any costly advertising. We rely very much on word of mouth and recommendation. This allows us to keep our prices low, which benefits all of us.

• Calls Answered in 20 Seconds - 86%
• Contractor Deployed in 30 Minutes - 87%
• Attended in 2 Hours - 65%
• Attended in 4 Hours - 86%
• First Visit Fix - 85%

A sudden and unforeseen situation which, if not dealt with quickly, would in our opinion make the insured property unsafe/insecure and/or cause damage or further damaged to the insured property.

This depends on your own situation. The policy has an initial 28 day exclusion. This is simply to prevent people taking out a policy where something has already happened and they want to claim.

However, if you already have a policy with somebody else and you are switching to us, then cover starts immediately.

Please note that when your policy comes around for renewal next year, then the 28 day exclusion does not apply.

Under the policy we would make your home safe and secure again until a permanent solution could be found by you or your property and/or contents insurance.

In the event that your home becomes  uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your drainage, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation.

Probably not. Home and contents insurance often does not cover actual emergencies. Our policy provides cover to compliment your existing home insurance policy, aiding in emergency situations. For instance with a burst pipe. Your home insurance will cover damage caused by the burst pipe, but it won't cover the actual repair to the pipe.

You are covered from the date shown on your policy schedule. The policy will run for a minimum of 12 calendar months. Please note that the first time you take out the policy, you are not covered for the first 28 days.

Yes the boiler is covered in the event of  breakdown for parts and labour. Please note however that under this policy, the boiler has to have broken down completely for it to be a claim. For instance, if the heating is not working, but the hot water is, then this is NOT deemed to be a claim.

No, this policy provides cover for Gas Boilers Only. However, we do have a policy that will cover Oil & Electric Boilers. Give us a call if this may be of interest to you.

We cover boilers up to any age. Boilers must have been and continue to be serviced at least once a year in accordance with the manufacturer’s recommendations.

No, the policy does not include an annual service. We recommend that building a relationship with a local Heating Engineer is beneficial for you with regard to servicing of your Heating system. You must have your boiler serviced annually, in accordance with your manufacturers guidelines as a condition of this policy.

If the only toilet in the house is inoperable then yes, this is covered under the policy.

Our Home Emergency Insurance is not a maintenance product so would not cover situations such as tiles falling off the roof. However, if you experience damage to the roof of the insured property caused by adverse weather conditions or fallen trees, this would be covered. This is a ‘make safe’ policy and for example in this situation a tarpaulin may be used to prevent further damage.

Please note that if it's not considered safe for the Contractor to go on the roof without scaffold, then due to the cost of scaffold installation, it's likely that you will not be able to claim

Our policy protects you against rats, mice, hornets and wasps nests from the insured property.

There is no excess to pay when you wish to make a claim.

There is no limit to how many claims you can make on the policy.