When you own your own home, emergencies can quickly put a dent in your savings – or even put you in financial difficulties altogether. One of the best ways to prepare for these eventualities is taking out home emergency cover alongside your household insurance policy. Here we explain what this type of insurance covers, when it can be useful, and more.
Watch Alex Brundle explain home emergency cover
Want a quick explanation of what home emergency cover is and what it can protect against? Watch as British racing driver and broadcaster Alex Brundle, who is sponsored by Adrian Flux, reveals all.
What does home emergency cover protect against?
Home emergency cover essentially covers any emergency related to your property that throws you for a loop: a burst pipe, a broken boiler, a smashed external window. It looks after a range of temporary, emergency repairs, mostly to structural elements of your home like a roof or plumbing up to £1,000 per claim.
Did you know our home emergency provides up to £250 in a boiler replacement, if the boiler is deemed uneconomical to repair?
Can I take out home emergency cover as a standalone product?
In most cases no; you usually have to take out home emergency cover alongside your home insurance policy. Just let us know if you want to add this to your own policy.
Who is this type of cover for?
This type of cover is ideal for homeowners, we also offer home emergency for landlords too. Essentially, you would be responsible for resolving an emergency that could impact the safety and security of the home or occupiers.
You’d be responsible for paying out any repairs or replacements, you should consider taking out home emergency cover in case the worst happens.
Is home emergency cover worth it?
In most cases it is, mainly for the peace of mind that this type of cover gives you. For just a small extra fee on top of your home insurance, you can remain safe in the knowledge that, should something happen, you’re protected and won’t need to pay out of pocket.
Do claims on home emergency cover affect my home insurance no claims bonus?
Home emergencies don’t usually affect your no claims bonus (NCB), although it’s a good idea to check your policy wording to make sure as this depends on your policy. In most cases, as long as you make the claim with the home emergency cover provider, your home insurance NCB should remain intact.
Talk to us about home emergency cover
If you’re looking to take out home emergency cover, speak to our friendly UK-based team for a home insurance quote and let us know you’d like to add this extra add-on to your policy. Call 0800 369 8590 or book a callback at a time that suits you.
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