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Home Emergency Cover
A 24-hour call-out service in case of a home emergency for Premier Account customers
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- Home Emergency Cover is only effective in an emergency, as defined by your policy.
- Domestic appliances are not covered.
- Cover will be provided if the property meets the following criteria - appears as your account address, is based in the UK and is owned and occupied as a private residence by you or your family.
- Any second or holiday home must be in the UK, owned and occupied by you or your family and be lived in at the time of an emergency.
- Emergencies outside your home are not covered.
- If your home is unoccupied for more than 60 consecutive days, cover does not apply.
- Call outs, parts, material and labour all covered up to £1000 (including VAT) per emergency.
- If the boiler is beyond economic repair, cover for your primary heating system will cease until your boiler is replaced. We may contribute a maximum of £250 towards the costs of you replacing it with a new boiler.
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Things that are typically covered (classed as an emergency):
- Blockages or damage to drains and waste pipes that cause water leaks or blockages inside the home.
- Your electrics tripping in your home so you’re continually resetting the fuse board to maintain the electrical supply.
- A sudden and uncontainable leak from an internal water pipe.
- A toilet that isn’t flushing or is blocked and there are no other accessible toilets in your home.
- Boiler repairs where you have no heat and/or hot water.
- Cracked or smashed window(s) making your home unsecure.
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- Normal day to day maintenance.
- If you, or someone else, has tried to make a repair, but has only made matters worse, you won’t be covered for any extra costs you may face. Our advice is always to call the experts first.
- Dripping taps, showers or leaks from pipes that are easily containable.
- Dealing with temporarily frozen pipes.
- Any ‘shared water’, ‘shared external drainage facilities’ or ‘shared roofs’ i.e. those not only serving your home.
- Replacement of any radiator, sanitary ware including sinks, basins and shower trays (bath, shower).
- Underfloor heating and its associated controls.
- A blocked toilet if it is not the only toilet in the home.
- A front door won’t unlock but it’s secure and you can get in to your home through another door.
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- Premier Home Emergency Cover opens in a new window (pdf, 1.4 MB)
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