Cheap Home Emergency Cover Value

Competitive CheapHome Emergency Cover Value Insurance

From £65 for 12 Months Cover

Up to £1000 Per Claim - 3 Claims per year

 

  • Choice of Excess (£0, £25, £50 or £95)
  • Parts & Labour Included
  • Up to £1000 per claim from just £65
  • Up to 3 claims per year included

 


  • Nationwide Coverage
  • UK based call centre
  • 24 hour claims line
  • No requirement to have to do buildings insurance with us. You can buy our policy to be stand alone
What is an Emergency?

Our Home Emergency policies are meant to be there in the event of an emergency.


So what is an Emergency?

A sudden and unexpected event which, if not dealt with quickly would in the reasonable opinion of the helpline:


a) render the home unsafe or insecure; or
b) damage or cause further damage to the home; or
c) cause personal risk to you; or
d) cause a health and safety risk to others.


We always try and be as transparent as possible about our pricing and our policies. We want to be as honest as we can be, so that you understand what you are buying. Our policies are extremely good value for money, but they don't cover every situation. Below we have tried to give examples and the reason when you would and also would not be able to claim.


Our Home Emergency policies are there in the event of an emergency. They will not cover general maintenance, this is still down to you. So please take a look at our examples below and hopefully they will give you clear examples, but also the rationale as to how they determine what is a claim.

  • What Would be a Claim?
    • Leaking Pipe - Cold water pipe leaking under the sink. Yes this is a claim. It's leaking and if left will cause damage to the property
    • Electrics Keep Tripping - The electric does not stay on. The trip switch keeps tripping. This is a claim. There is clearly a fault and poses a health and safety risk. Someone needs to come out and find and repair the fault that is causing the issue.
    • Front Door Lock Broken - The front door lock is broken and cannot be locked. This is a similar situation to the one we cover later that is not a claim. However this is a claim because the lock is broken and cannot be locked. Because it can't be locked this poses a risk to the property and the occupiers.
    • The toilet is not working - This is the only toilet in the property and so it is a claim
    • Central Heating has stopped working - There is no heating and/or no hot water. This is a claim.
    • Smashed Window - This is a claim. The property is not secure and poses a risk to the occupiers. Someone needs to come out and secure the property.
    • Lost Keys - You've lost your keys and cannot get into your property. This is a claim. We will assist you in getting back into your property and ensure that your property is secure.
    • Pest Infestation in House - This is a claim. It is impacting where you live. Remember that we class pests as wasps, hornets, mice and rats. We do not class spiders, cockroaches, squirrels, ants, bees, fleas or bedbugs as pests.
    • Hot Water Cylinder is leaking - If left this is going to damage the property. This is a claim.
    • Blocked Drain - This is classed as unexpected failure of the drainage system and so would be a claim.
  • What's not a Claim?
    • Dripping Tap - This is going to drip into the sink and so isn't going to cause damage to the property. It can be sorted, but isn't urgent.
    • Faulty Electrical Socket - You have an electrical socket in your living room that has stopped working. Everything else in the property is fine. This also would not be a claim, as you have electric to the rest of the property and so can be managed. Whilst it's a nuisance, it wouldn't be classed as an emergency.
    • Front Door Lock Broken - This is a funny one because it could be a claim, but let's explain when it wouldn't be a claim. The front door lock is broken and so you cannot open the front door. Because it is broken but locked then it is secure, so the property is safe. However, if there was no back door, then you cannot get out and this poses a risk to your health and safety in the event of fire and so would be a claim because it's not safe. However, if there is a back door, then you can get out of the property and so would not be a claim. Is this clear??
    • Upstairs Toilet is not working - If this is the only toilet in the property, then it would be a claim. However, if there is another toilet in the property, then this wouldn't be a claim as it is no longer classed as an emergency.
    • Leaking Shower when in use - The shower leaks when you use it. This is not a claim. The argument is that because it doesn't leak when you don't use it, then it is not an emergency and it is something that you need to get repaired. The same applies to other household appliances such as baths and sinks.
    • Frozen Pipes - If they have frozen but not damaged, then this wouldn't be a claim. If they are damaged, then this would be a claim.
    • A radiator isn't getting warm - This isn't a claim. All other radiators are working fine, so clearly the gas boiler is working okay. There are no leaks and so this would be seen as a general maintenance issue.
    • Pest Infestation in Shed - This is not deemed to be a claim, as it's not in your home and doesn't affect you sufficiently to be classed as an emergency.
Burst Pipes - Home Emergency

Burst Pipes or Sudden Leakage
Repairs of leaks and blockages within your plumbing and drainage system and clearing blocked drains

Failure of Electrical Supply Home Emergency

Failure of Electrical Supply
Emergency caused by, or breakdown of the domestic electrical wiring supply system and its components

Gas Central Heating Breakdown Home Emergency

Heating System Failure
Breakdown of the gas central heating boiler, the central heating system and its associated pipework

Damage to Locks and Windows Home Emergency

Damage to Locks & Windows
Replacing lost keys, repairing insecure locks and protecting your home following damage to your windows

Pest Infestation Home Emergency

Infestation of Pests
Protecting your home against infestation of the home by rats, mice and wasps nests or hornets nests

Roof Failure Home Emergency

Roofing Failure
Protecting your home following missing, broken or loose tiles causing internal damage to your home

protectyourthings is so cheap

Different Types of Primary Heating Systems

This policy is designed for Gas fired central heating systems. However, we do also have options for Oil fired and Electric Boiler heating systems.

So What's Covered?

 

  • External Water Supply - Blockage, collapse or leakage including main stopcock to the public water main
  • Plumbing - Emergency arising from sudden & unexpected failure of, or damage to internal plumbing system
  • Drainage - Emergency arising from sudden & unexpected failure of, or damage to the drainage system of your property
  • Domestic Central Heating System - Sudden & unexpected failure of your domestic central heating system
  • Electrical Breakdown - Breakdown or failure of the permanent domestic electrical wiring system
  • Gas Supply Pipe - Damage to the internal gas supply pipe . Assistance will be provided once the National Gas Emergency Service have attended & isolated the leak
  • Security & Roofing - Emergency repair to make the property safe and secure and/or prevent further damage in the event of damage to external locks, doors or windows and missing, broken or loose roof tiles. Flat roofs over 10 years old are not covered.
  • Lost Keys - Assistance in gaining access to your property arising from the loss of the only available key
  • Pest Infestation - Assistance in removing pests infestations from your property

 

These are headline covers under the policy. There are some exclusions to some sections. Please read the policy wording carefully to ensure you fully understand what is covered.

What's Not Covered Examples

For some additional clarity. This policy is a Home Emergency policy. So it's main purpose is to rectify issues that have occurred unexpectedly and which could be detrimental to the property if left. So there are some issues that would not be covered as they are considered to be general maintenance issues and not of an urgent nature.


Taking out a Home Emergency policy does not mean that you should not continue to maintain your property as would be normally expected.


Some examples of this would be

 

  • General maintenance including, but not limited, to dripping taps
  • Frozen pipes which have not caused any damage
  • Leaks from household appliances, such as sink, shower or bath where leakage only occurs when the appliance is in use
  • Repair to lock which is secure when there is another means of access
  • Inoperable toilet, if you have more than one toilet in the home
  • Pipes outside the boundary of your home
  • Faulty electrical socket in one room
  • Pest Infestation to outbuildings, garages etc...
  • Storage Heaters and Electric panel heaters as they are not classed as central heating systems
  • Boiler Service - This can be arranged by finding a local expert at gas safe register

 

If you would like to see some more specific examples of what would and wouldn't be a claim, then please click here

Home Emergency Insurance

For most people, it can be hard to cope with an emergency in your property. Most of us aren't that practical in a 'situation' and the problem is that so many different things can go wrong in a house, such that you might need an electrician, plumber, joiner, roofer, locksmith, pest control.


With our 24/7 claims line we are waiting to deal with your situation. We have approved engineers nationwide on call to help when you need us.


Our policy includes boiler cover, pest protection, plumbing, drainage, roofing failure, electrical failure and more, to give you comprehensive cover against the unexpected.

Key Benefits of our Home Emergency Insurance


 

  • One policy covering leaking & burst pipes & complete failure of gas boilers, central heating systems and mains services
  • Removal of pest infestations and roofing failure is also included
  • Quality-approved engineers arranged on your behalf
  • 24/7 claims line with our expert advisers

 


Our Cover

A Plan that Can be Changed to Suit Your Needs


 

  • £500 or £1000 per claim
  • No Call Out Charges
  • Choice of Excess (£0, £25, £50 or £95)
  • Up to 3 claims per year

 


Price for Peace of Mind? 

From Only £65 Per Year

 

  • No Excess & No Call Out Fees
  • Gas Boiler & Central Heating System Failure
  • Leaking & Burst Pipes.
  • Failure of Electrical, Gas & Water Supply
  • Protecting your Home in the Event of a Roofing Failure.
  • Quality Approved Repairs Arranged on your Behalf

 

 

  • Rapid Response Times.
  • 24 Hour Telephone Claims Line.
  • £1000 per Claim (3 Claims per year)
  • If Your Home is Uninhabitable Due to the Emergency, Your Policy will Provide Overnight Accommodation up to the value of £250.
  • Damage to Locks & Windows.

 

Is your Heating System powered by Oil or Electric? - We Can Help

We do have a separate policy, provided by a different Insurer (Royal & Sun Alliance) that will cover different fuel types.


The policy is similar, but slightly more expensive at £75 per year.

  • Why is this Policy so Competitively Priced?

    When you search online for a Home Emergency Policy, you will find that ours is one of the the most competitive on the market and yet we don't compromise on the cover.  How we keep the price low is because we have an initial 28 day excess period when you first buy the policy. This prevents people buying the product because they already have a potential claim and means that as a result our claims experience is generally good, which means we can keep our prices low.


    We also don't do any costly advertising. We rely very much on word of mouth and recommendation. This allows us to keep our prices low, which benefits all of us.

  • What are Claims Response Times?

    • Calls Answered in 20 Seconds - 86%
    • Contractor Deployed in 30 Minutes - 87%
    • Attended in 2 Hours - 65%
    • Attended in 4 Hours - 86%
    • First Visit Fix - 85%

  • What is considered an emergency?

    A sudden and unforeseen situation which, if not dealt with quickly, would in our opinion make the insured property unsafe/insecure and/or cause damage or further damage to the insured property.

  • When Does my Cover Start?

    The policy has an initial 14 day exclusion. This is simply to prevent people taking out a policy where something has already happened and they want to claim.


    However, if you are switching to us from another provider (with no gap in cover) and the policies are similar, then your cover will start immediately


    Please note that when your policy comes around for renewal next year, then the 28 day exclusion does not apply.

  • Am I covered if my house is burgled?

    Under the policy we would make your home safe and secure again until a permanent solution could be found by you or your property and/or contents insurance.

  • What will happen if my home becomes uninhabitable?

    In the event that your home becomes  uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your drainage, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation.

  • Isn’t all this covered under my home and contents insurance?

    Probably not. Home and contents insurance often does not cover actual emergencies. Our policy provides cover to compliment your existing home insurance policy, aiding in emergency situations. For instance with a burst pipe. Your home insurance will cover damage caused by the burst pipe, but it won't cover the actual repair to the pipe.

  • When does my policy begin and how long am I covered for?

    You are covered from the date shown on your policy schedule. The policy will run for a minimum of 12 calendar months. Please note that the first time you take out the policy, you are not covered for the first 28 days.

  • Is our Gas Boiler Covered?

    Yes the boiler is covered in the event of  breakdown for parts and labour. You can claim in the event of heating and/or hot water failure.

  • Do you cover Oil and Electric boilers?

    No, this policy provides cover for Gas Boilers Only. However, we do have a policy that will cover Oil & Electric Boilers. Give us a call if this may be of interest to you.

  • Is there an age limit for boilers?

    We cover boilers up to any age. Boilers must have been and continue to be serviced at least once a year in accordance with the manufacturer’s recommendations.

  • Is an annual service included with my cover?

    No, the policy does not include an annual service. We recommend that building a relationship with a local Heating Engineer is beneficial for you with regard to servicing of your Heating system. You must have your boiler serviced annually, in accordance with your manufacturers guidelines as a condition of this policy.

  • Is my toilet covered?

    If the only toilet in the house is inoperable then yes, this is covered under the policy.

  • How is my roof covered?

    Our Home Emergency Insurance is not a maintenance product so would not cover general maintenance. It covers missing, broken or loose tiles. It does not cover flat roofs over 10 years old.


    This is a ‘make safe’ policy so it may be that a temporary repair is done to prevent further damage.


    Please note that if it's not considered safe for the Contractor to go on the roof without scaffold, then due to the cost of scaffold installation, it's likely that you will not be able to claim

  • What type of Pests are covered?

    Our policy protects you against rats, mice, hornets and wasps nests from the insured property.

  • Is there an excess to pay when claiming?

    There is no excess to pay when you wish to make a claim.

  • How many claims can I make in a year?

    There is no limit to how many claims you can make on the policy.

How Do We Keep the Price so low?


The most effective way we keep our prices down is with low cost advertising. We predominantly rely on 'word of mouth' and utilising Facebook Groups and Twitter. We are constantly promoting ourselves and we hope over time you will promote us too!


Our product has all the features and benefits as shown above. However, we keep the price down by having a clause that states if this is the first time you have bought Home Emergency, then you cannot make a claim in the first 14 days. This is not aimed at avoiding paying claims, but is there to prevent people taking out a policy because something has already gone wrong with their property! The result is that it makes our policy, we believe the most competitive on the market, which means that you benefit year in year out. 


This clause only applies in the first year, it does not apply at renewal, or if you are switching to us from another provider. In the interests of transparency we feel it is important to point this out to you clearly.

No excess

Choice of Excess

unlimited claims

3 Claims per year

24 hour claims line
24 Hour Claims Line
parts and labour included
Parts & Labour Included