External Water Supply Pipe
Leakage or blockage of the mains water supply between the stopcock in your home and the point where it is connected to the public or shared water supply.
Promotional pricing may be available
Home Emergency Insurance
Specialist insurance designed to help when an unexpected home emergency leaves you without heating, hot water, drainage, security or essential services.
Emergency helpline
Claim support when you need it.
Parts and labour
Clear support for eligible repairs.
Home emergencies
Insurance for key home services.
Clear limits
Excess and claims limits shown up front.
Documents available
Terms and IPIDs before purchase.
What can be included
Home Emergency Insurance at a glance
These are examples of the areas that may be included, depending on the level of insurance selected. Please always check the Terms and IPID before purchasing.
Plumbing
Failure of, or damage to, the internal plumbing system, including the toilet(s), which causes internal water leakage, flooding, or water damage.
Internal and External Drainage
Failure of, or damage to, the internal or external drainage system of your home. For example, we cover blocked toilets, leaking tanks/cylinders, total blockage of all sinks, and blocked/collapsed external drains.
Electrical Emergency
Insurance is also provided following the breakdown or failure of the permanent domestic electrical wiring system and its components supplying electrical power to your home.
Emergency Boiler
Mechanical or electrical failure or malfunction of your domestic central heating system which results in the system becoming completely unusable.
If your boiler is less than 7 years old, a contribution, up to the claim limit shown on your Policy Schedule or £250 whichever is less, towards a new boiler if your existing boiler is deemed beyond economic repair.
If spare parts are needed and the engineer cannot reinstate your heating within 60 hours, a contribution of £40 towards alternative heating costs. You will have to pay for alternative heaters yourself and make a claim for reimbursement.
Domestic Central Heating System Cover
Mechanical or electrical failure or malfunction of your domestic central heating system which results in the system becoming completely unusable.
If spare parts are needed and the engineer cannot reinstate your heating within 60 hours, a contribution of £40 towards alternative heating costs. You will have to pay for alternative heaters yourself and make a claim for reimbursement.
Security
Insurance to make your home secure following a security incident. For example, following a break-in, broken glazing can be boarded up and broken locks for windows and doors can be repaired or replaced.
Roofing
Insurance to protect your roof from further damage in the event of damage due to bad weather.
Lost Keys
Insurance to enable you to gain access to your home if your house keys are lost or stolen. For example, replacing locks and keys.
Pest Infestation
Removal or extermination of an infestation of black or brown rats, field or house mice, and wasps’ or hornets’ nests.
Emergency Accommodation
Alternative accommodation contribution of up to £250 if your home becomes uninhabitable for more than 48 hours because of an emergency covered under the policy.
Important information
Please read the emergency gas guidance and claim information before purchasing. The exact terms, exclusions and limits are set out in the policy documents.
Important Gas Emergency Information
If you smell gas or suspect a gas leak, please call the relevant emergency gas number immediately.
England, Wales and Scotland
National Gas Emergency Service — 0800 111 999
Northern Ireland
Northern Ireland Gas Emergency Service — 0800 002 001
How to claim
In the event of an emergency, please call the claims administrator Preferred Management Solutions Ltd.
You will need your policy number and information about the emergency.
Frequently Asked Questions
Home Emergency
In the event of an emergency, please call the claims administrator Preferred Management Solutions Ltd
Tel: 0191 466 1115
You will need the following information: Your policy Number and Information about the emergency.
Tel: 0191 466 1115
You will need the following information: Your policy Number and Information about the emergency.
An emergency is a sudden and unexpected incident that impacts on your ability to go about your day to day life as normal. It is an issue that needs resolving urgently. If you were to lose your keys and couldn’t get into your own house, for example, you’d need to sort that out right away; if there was a sudden leak, you’d need to patch things up as soon as possible to avoid flooding and further problems that could make your home uninhabitable.
With our Home Emergency cover, one of our trusted engineers will be dispatched to fix your boiler if it breaks down unexpectedly, provided it is serviced annually.
Yes, where a permanent repair is completed, we'll guarantee the work for 12 months from the date of the claim.
We cover domestic gas boilers under the age of 15 years.
No, this type of policy does not cover the general maintenance of your home, this would include repairing dripping taps, replacement of leaking pipes and thermostats/temperature timings.
Yes, all of our expert contractors are fully vetted and we regular and consistently review the quality and standard of their work.
Our 24/7 call centre has an average call answer time of 9 seconds. 84% Our UK wide trusted tradesperson network are deployed within 30 minutes and we have a average claim lifecycle of 49.5 hours.
Many boilers, especially older boilers, cannot be fixed as spare parts are hard to come by – or are just very expensive compared to the value of the boiler itself. If your domestic boiler is less than 7 years old when the emergency occurs and the domestic boiler is declared beyond economic repair, we will contribute towards a replacement. The amount of the contribution will be £250.
No, a boiler service is not included as a standard (unless stated otherwise in your policy certificate). Your boiler must be maintained and serviced in accordance with the manufacturers recommendations.
1. Get fresh air immediately; make sure you open all doors and windows to ventilate the area.
2. Turn off the gas emergency control valve (also called gas emergency shut off valve) at the meter, unless the meter is in a basement or cellar or at the LPG bulk tank or storage vessels.
3. Contact the relevant National Gas Emergency service number for your area.
England, Wales and Scotland Call 0800 111 999 for Naturel Gas or for LPG Contact number on bulk storage vessel or meter.
In Northern Ireland Call 0800 002 001 for Naturel Gas or for LPG Contact number on bulk storage vessel or meter
2. Turn off the gas emergency control valve (also called gas emergency shut off valve) at the meter, unless the meter is in a basement or cellar or at the LPG bulk tank or storage vessels.
3. Contact the relevant National Gas Emergency service number for your area.
England, Wales and Scotland Call 0800 111 999 for Naturel Gas or for LPG Contact number on bulk storage vessel or meter.
In Northern Ireland Call 0800 002 001 for Naturel Gas or for LPG Contact number on bulk storage vessel or meter
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