Q: Is the Home Emergency Cover similar to my Household Insurance?

A: No. Home Emergency Cover is a comprehensive extension of the policy offered by your household insurance or let property insurance. While your household insurance will usually cover damage to carpets, furniture etc caused by a plumbing or drainage emergency, it almost certainly won't cover the cost of emergency repairs or finding a reliable tradesman.

Q: What is NOT covered by Home Emergency cover?

A: Home Emergency cover varies depending on the level of cover.
However in general the following are NOT covered:

•The replacement of water tanks, cylinders, and central heating radiators; external WC’s; external pipes, taps and overflows not causing internal water damage.
•Dripping taps or systems where water is safely escaping down a drain or the failure of waste disposal units.
•The repair of domestic appliances that are leaking water, other than from external fixed pipe work.
•Making good, repair or replacement of the fabric or decoration of the home, or replacing carpets or furnishings. You should contact your Household insurer.
•Domestic outbuildings and commercial properties.
•Boilers that have not been inspected or serviced by a qualified person within the preceding 12 months and not more than 15 years old.
•Damage to flat roofs over 10 years of age.

Q: Who is eligible for cover?

A: Any domestic householder, but not commercial premises. Council tenants will not need this service and private tenants should check with their landlord before applying. Mobile homes are not eligible.

Q: When can I make a claim?

A: Your Home Emergency cover commences on the day we process your acceptance form and lasts a year.

Q: Will your tradesmen come out at any time?

A: Yes. That's the benefit of our 24 hour, 365 day Home Emergency Helpline. Whenever you have a domestic emergency - at night, during the weekend or on a Bank Holiday - we'll be there to help.

Q: What if I have a domestic emergency but I work during the day?

A: No problem. We'll organise a time for one of our tradesmen to call outside working hours - whenever it's convenient for you.

Q: Is my cover transferable if I move?

A: Yes, Just let us know your new address we'll transfer the cover.