Cheap Home Emergency Cover Value

£75 per year

One Plan, One Price

Competitive CheapHome Emergency Cover - Oil Boilers Value Insurance

£75 for 12 Months Cover

Home Emergency Insurance

No Excess Payable
No Call Out Charges
24/7 Claims Line
Oil Boiler Breakdown & more...

All for only £75 per year

One Plan, One Price

£75 for 12 Months Cover

Oil Boilers Covered

Covers Oil Boilers
No Excess Payable
Parts & Labour Included
We cover up to £1000 per claim for just £75
3 Claims per year allowed
24 hour claims line
No requirement to have to do buildings insurance with us. You can buy our policy to be stand alone

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Plumbing & Drainage

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

Damage to Locks and Windows Home Emergency

Security

(i) Loss of the only available key to the property which cannot be replaced, and normal access cannot be obtained.

(ii) Damage or failure of an external lock, door or window.

Gas Central Heating Breakdown Home Emergency

Primary Heating System

The primary heating system has failed or broken resulting in a complete loss of heating and/or a complete loss of hot water.

Failure of Electrical Supply Home Emergency

Internal Electricity

An electricity failure of at least one complete circuit.

Infestation of Pests

An infestation of wasp nests, hornet nests, house mice, field mice, rats and/or cockroaches.

Roofing Failure

Sudden and unforeseen damage to the roof of the property.

So What's Covered?

Plumbing & Drainage - Emergency repairs following damage to or failure of the plumbing and drainage system which:
a) Means that internal flooding or water damage is a likely consequence; or
b) Means that you do not have access to one or more useable toilets within your home; or
c) Causes blocked external drains that are solely your responsibility within the boundary of the home, where this can be resolved by jetting.
Primary Heating System - Emergency repairs following the complete breakdown of the primary heating system which:
a) Results in the complete loss of heating and/or
b) Results in the complete loss of hot water.
Alternative Heating Allowance - We will pay a contribution towards the cost of purchase or hire by the insured person of
alternative heating sources where these are deemed necessary in the event that the primary heating system has failed completely, and it is not possible to reinstate the heating.
Internal Electricity - Emergency repairs following the electricity failure of at least one complete circuit which:
a) Cannot be resolved by carefully resetting the fusebox; and
b) Would not be more appropriately resolved by the regional electricity network supplier.
Gas Supply - After the National Gas Emergency Service has visited your home and isolated your gas supply, emergency repairs will be carried out by a Gas Safe contractor, who will repair or replace the damaged section of internal gas
supply pipe. Our contractor will also turn your gas supply back on.
Water Supply - Emergency repairs following a water supply system failure to:
a) The kitchen; or
b) The bathroom where no other water supply is available for bathing.
Security - Emergency repairs following damage or failure of the following items which would render the main living areas of the home insecure and easily accessible to intruders.
a) External lock.
b) External door.
c) External window.
Access to Home - Emergency repairs following the loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained. Our contractor will gain access to the home and ensure it is left secure.
Gas Supply Pipe - After the National Gas Emergency Service has visited your home and isolated your gas supply, emergency repairs will be carried out by a Gas Safe contractor, who will repair or replace the damaged section of internal gas supply pipe. Our contractor will also turn your gas supply back on.
Roofing - Emergency repairs following missing, broken or loose tiles causing internal water damage.
Pests - Emergency repairs following an infestation as a result of the following pest in and/or attached to the home and there is clear evidence of the infestation.
a) Wasp nests.
b) Hornet nests.
c) House mice.
d) Field mice.
e) Rats.
f) Cockroaches.

These are headline covers under the policy. There are some exclusions to some sections. Please read the policy wording carefully to ensure you fully understand what is covered.

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What's Not Covered Examples

For some additional clarity, this policy is a Home Emergency policy. So it's main purpose is to rectify issues that have occurred unexpectedly and which could be detrimental to the property if left. So there are some issues that would not be covered as they are considered to be general maintenance issues and not of an urgent nature.

Some examples of this would be

General maintenance including, but not limited, to dripping taps
Frozen pipes which have not caused any damage
Leaks from household appliances, such as sink, shower or bath where leakage only occurs when the appliance is in use
Inoperable toilet, if you have more than one toilet in the home
Pipes outside the boundary of your home
Faulty electrical socket in one room
A blocked sink
Boiler Service - This can be arranged by finding a local expert at gas safe register

If you would like to see some more specific examples of what would and wouldn't be a claim, then please click here

Home Emergency Insurance

For most people, it can be hard to cope with an emergency in your property. Most of us aren't that practical in a 'situation' and the problem is that so many different things can go wrong in a house, such that you might need an electrician, plumber, joiner, roofer, locksmith, pest control.

With our 24/7 claims line we are waiting to deal with your situation. We have approved engineers nationwide on call to help when you need us.

Our policy includes boiler cover, pest protection, plumbing, drainage, roofing failure, electrical failure and more, to give you comprehensive cover against the unexpected.

Key Benefits of our Home Emergency Insurance

One policy covering leaking & burst pipes & failure of primary heating systems (oil, electric and gas) and mains services
Removal of pest infestations and roofing failure is also included
Quality-approved engineers arranged on your behalf
24/7 claims line with our expert advisers

Our Cover

We have One Plan for One Price

£1000 per claim
No Call Out Charges
No Excess Payable

Price for Peace of Mind?

Only £75 Per Year

No Excess & No Call Out Fees
Primary Heating System Failure
Leaking & Burst Pipes.
Failure of Electrical, Gas & Water Supply
Protecting your Home in the Event of a Roofing Failure.
Quality Approved Repairs Arranged on your Behalf
24 Hour Telephone Claims Line.

Rapid Response Times.
£1000 per Claim (3 claims per year maximum.)
If Your Home is Uninhabitable Due to the Emergency, Your Policy will Provide Overnight Accommodation up to the value of £250.
Allowance towards New Boiler if not Economical to Repair.
Damage to Locks & Windows.

Why is this Policy so Competitively Priced?

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 14 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.
What is considered an emergency?

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 damage to the insured property.
When Does my Cover Start?

The policy has an initial 14 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 are switching to us from another provider (with no gap in cover) and the policies are similar, then your cover will start immediately

Please note that when your policy comes around for renewal next year, then the 14 day exclusion does not apply.
Am I covered if my house is burgled?

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.
What will happen if my home becomes uninhabitable?

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.
Isn’t all this covered under my home and contents insurance?

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.
When does my policy begin and how long am I covered for?

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 14 days, unless you are switching from another provider.
Which Type of Boilers are Covered?

The policy covers boilers that are heated by Gas, Oil or Electric.

The boiler cannot be more than 15 years old and it must be serviced annually.
Is there an age limit for boilers?

We cover boilers up to 15 years old. Boilers must have been and continue to be serviced at least once a year in accordance with the manufacturer’s recommendations.
Is an annual service included with my cover?

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.
Is my toilet covered?

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

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
What type of Pests are covered?

Emergency repairs following an infestation as a result of the following pest in and/or attached to the home and there is clear evidence of the
infestation.
a) Wasp nests.
b) Hornet nests.
c) House mice.
d) Field mice.
e) Rats.
f) Cockroaches.
Is there an excess to pay when claiming?

There is no excess to pay when you wish to make a claim.
How many claims can I make in a year?

You can make a maximum of 3 claims per year.

How Do We Keep the Price so low?

The most effective way we keep our prices down is with low cost advertising. We predominantly rely on 'word of mouth' and utilising Facebook Groups and Twitter. We are constantly promoting ourselves and we hope over time you will promote us too!

Our product has all the features and benefits as shown above. However, we keep the price down by having a clause that states if this is the first time you have bought Home Emergency, then you cannot make a claim in the first 28 days. This is not aimed at avoiding paying claims, but is there to prevent people taking out a policy because something has already gone wrong with their property! The result is that it makes our policy, we believe the most competitive on the market, which means that you benefit year in year out.

This clause only applies in the first year, it does not apply at renewal, or if you are switching to us from another provider. In the interests of transparency we feel it is important to point this out to you clearly.