This varies from property to property, however as standard, this will be your responsibility. It is important you know that the insurance will only cover from the internal stopcock, and external mains water supply pipes (as long as they are inside the boundary of your home) to your external stopcock. The communication pipe and mains water will fall outside of this insurance, and are usually covered by your local authority.

You may find that your mains water supply pipe falls on some else's property. Where you share legal responsibility for this pipework with any third parties, we will only cover your proportion of the cost of any work.

To clarify who is responsible for your underground water supply, you can check the Ofwat website at https://www.ofwat.gov.uk/households/supply-and-standards/supply-pipes/.

We can offer water supply pipe cover as part of a plumbing and drainage home emergency package.

No, we're not able to cover swimming pools.

No, we don't cover Saniflo or other macerator-based systems.

You can choose from several excess options, depending on your personal circumstances which you will see once you’ve got a quote. Generally the higher the excess you choose, the lower your premium will be.

There is also a £60 compulsory excess to pay in the following situations:

• Any claim made within the first 90 days of cover

• Any boiler over 10 years of age

If you have any further questions, please feel free to call one of our friendly advisors on 0333 00 32 999.

Any incidents occurring in the first 14 days of your policy start date will not be covered and you can't claim for any pre-existing issues or those which occur during the waiting period.

Please note, you need to report all claims within 48 hours. Claims after this time will not be considered an emergency.

You can read our Product information leaflets and policy books for more information by visiting our important documents page.

Visit our dedicated claims page for more information.

A non-emergency (or breakdown) is a sudden and unforeseen malfunction which results in the unit or system no longer working or operating correctly.

Non-emergencies would include repairing dripping taps, replacement of leaking pipes and thermostats/temperature timings.

This is only available with our 'Premium' home emergency insurance packages.

An emergency is classed as a sudden or unforeseen event which, if not dealt with quickly would:

• Render the home unsafe or insecure

• Damage or cause further damage to the home

• Cause personal risk to you

• Cause a health and safety risk to others

Emergencies would include the complete loss of heating and/or hot water or failure of your plumbing and drainage system.

Need extra support? We can help.

We offer additional support for people who are in vulnerable or difficult situations. This may be due to a disability or illness or simply because you're going through a difficult time. You can register if:

• you are over 80

• you have a disability or long-term illness

• you rely on certain medical equipment in your home

• you have children younger than 5 at home

• you're recovering from hospital treatment

We'll make a note of what you've told us on your record - with your permission - so that we can support you in the most appropriate way.