Home Emergency Insurance

If you haven't got a lot of money but you want a lot of cover!

The cover that's there for you when you need it most. You can relax knowing help is just a phone call away 24 hours a day and 7 days a week.

  • Up to £1000 per claim
  • Trusted expert engineers
  • 24/7 Claims Support
  • Parts and labour included
  • Choose Your Excess Level
  • FCA Regulated Policies
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Home Emergency Cover

From as little as £42.35 a year!

What is insured?

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.

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

Cover 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

Cover 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

Cover to protect your roof from further damage in the event of damage due to bad weather.

Lost Keys

Cover 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.

Additional Benefit (Excluding: Emergency boiler and Domestic & Central Heating Systems Covers)

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.

Home Emergency Pricing

Fantastic Protection for Low Prices

It's difficult to put a price on piece of mind but we think you'll agree that our prices will give you the confidence that you are getting great value for money in addition to great protection.

Choose your Cover

All sections covered, you choose the excess!

Why Choose Us

FCA Regulated

We are authorised and regulated by the UK Financial Conduct Authority. We are regulated to offer insurance products within the UK. Our FRN is 986536

Trustpilot Rating

We are proud of our customer feedback for our service and standards. We ensure we listen to our customers and keep them at the heart of our decisions.

Money Back Guarantee

You can cancel your policy within 14 days of receiving your policy documents. You will get a full refund and do not need to provide a reason for the cancellation.

Flexible Cover

With so many insurance cover options you can choose the right policy to suit your needs.

Rapid Response

If you need an engineer, we will dispatch one right away from our trusted approved engineer network.

Value For Money

We consistently review the market to ensure our customers are getting high quality insurance products at a great price.

Our Stats.

We focus on providing a great service for all of our customers all of the time. Our claims handling team aim to ensure your emergency is dealt with as quickly and efficiently as possible. Our claims management partner manages over 40,000 home emergency claims per year under insurance claims handling agreements across the UK and Northern Ireland. To ensure we provide our services at the highest levels, we continuously monitor our performance.

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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.

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