Home emergency cover
- Recurring
The short answer
Call-out cover for plumbing, heating, electrics
- Price from
- £60.00
- Time on site
- 15 to 30 minutes
What you get
You get peace of mind knowing you can quickly resolve common home emergencies without high unexpected costs.
When do you need a Home emergency cover?
Get this cover if you want peace of mind when things go wrong suddenly. It helps you stay in control of your home costs.
- Stop high emergency call out fees.
- Meet legal duties to keep tenants warm.
- Get help on bank holidays or nights.
- Protect yourself before the cold winter starts.
- Avoid the stress of finding trusted traders.
What happens on the day
When a crisis hits, you call a 24 hour helpline to get expert help. They will send a qualified person to your door quickly.
- Call the insurer first, not a builder.
- Give them your policy details and address.
- Show the trader your boiler service records.
- Show them where your stopcock is located.
- The pro will make your home safe.
- Limits are usually £500 to £1,000 per claim.
How to prepare
- Check your bank account for free cover
- Find your main water stopcock valve
- Find your recent boiler service record
- Save the emergency number in your phone
- Write down your policy reference number
- Test your smoke and carbon monoxide alarms
- Check if your boiler is under warranty
How to improve your result
- Service your boiler every single year
- Insulate outdoor pipes to prevent bursts
- Bleed your radiators before the winter
- Clear autumn leaves from your outdoor drains
- Keep a torch and spare batteries handy
- Ensure your stopcock turns easily by hand
Why it is useful day to day
Having a plan in place saves you from 2 a.m. panic and financial shocks. It keeps your daily life running smoothly regardless of accidents.
- Save money on expensive evening repairs.
- Access a network of vetted tradespeople.
- Keep your tenants happy and safe.
- Protect your savings from sudden repair costs.
- Ensure your home stays warm and dry.
Why we ask these questions
This service answers the big question of how to fix a disaster fast. It focuses on making your home liveable again immediately.
- It covers plumbing and electrical failures.
- It tackles broken locks or lost keys.
- It fixes primary heating and hot water.
- It handles blocked drains or roof damage.
- It provides experts when you need them.
Frequently asked questions
Often needed alongside
- Recurring
Landlord insurance
Buildings, contents and liability for let property
- Recurring
Home (buildings) insurance
Buildings cover for owner-occupiers
- Recurring
Boiler & appliance cover
Breakdown cover for boiler and appliances
- Recurring
Contents insurance
Cover for belongings
- Recurring
Mortgage protection & life cover
Life, critical illness and income protection linked to the mortgage
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Commercial property insurance
Offices, shops, industrial units
- Recurring
Block & leasehold insurance
Buildings cover for blocks of flats
- Recurring
Rent guarantee insurance
Covers lost rent if tenants don't pay