Home Emergency
Home Emergency cover is designed to provide cover following a sudden or unexpected event which if not dealt with quickly would render your home unsafe or insecure, cause further damage to your home or cause personal risk. The intention of the Home Emergency cover is to provide an engineer to complete a temporary repair to limit or prevent damage. If a permanent repair would be of a similar cost to a temporary repair, a permanent repair will be provided as long as it is within the scope of cover provided.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home. Nor does it provide or cover the cost of boiler servicing and/or maintenance.
Overview
| Cover Limits | |
| Causes Covered | Policy Limit |
| Maximum claim limit | The amount we will pay in respect of any one period of insurance shall not exceed £1000 including VAT |
| Plumbing & drainage | Up to maximum claim limit |
| Electricity supply | Up to maximum claim limit |
| Cooking system | Cooker/oven claim limit £250 |
| Security | Up to maximum claim limit |
| Main heating system | Where a boiler is deemed to be beyond economical repair our liability will not exceed £500 where the boiler/appliance is up to 5 years old or £250 where the boiler/ appliance is greater than 5 years old but less than 10 years old. |
| Hot water | Up to maximum claim limit |
| Lost keys | Up to maximum claim limit |
| Pest infestation | Up to maximum claim limit |
| Water supply pipe | Up to maximum claim limit |
| Gas supply | Up to maximum claim limit |
| Excess | Excess amount zero |
| Standard policy excess | Zero |
| *In order for cover to be provided for the primary heating system the homeowner must ensure the boiler is serviced annually by a gas safe engineer. | |