Exclusive Offer on Home Emergency Insurance Cover

Exclusive 35% member discount on home emergency cover - use promo code CWD35OFF when getting your quote.

Get 35% off our home emergency cover. Now from £2.75 a month.

Whatever goes wrong at home, we’re here to help. Get complete protection for boiler breakdowns, heating failures, water leaks and more - including pest removal, roof damage and electrical faults. Plus, our emergency claims line is open 24/7, 365 days a year, so you can always reach us when you need us.

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Peace of mind from home emergencies

You're passionate about making a difference in the world and that means your schedule might be busy and unpredictable and so you need to know that your home is protected in the event of an emergency. That's why we'll provide the peace of mind you need, with 24/7 emergency assistance for issues such as boiler breakdowns, burst pipes, blocked drains, and more.

If you select our Premium cover, we'll also cover you for non-emergencies too, including dripping taps, radiator valves, and plug sockets.

Boiler & central heating breakdowns

Up to £500 towards a new boiler

Plumbing & drainage problems

Optional boiler service

24/7 emergency claim line

What do you want to be covered for?

Plumbing & drainage

£2.75

Boiler & heating

£3.98

Complete

£7.95

Complete

Protect your home with our most comprehensive plan.

Cover limit

Up to £3,000

Claim limit

Up to £1,000

Plumbing & drainage

Boiler & heating

Electrics+

Security+

Annual boiler service

What’s included?

Burst pipes
Blocked external drains
Water supply pipe
Blocked toilets
Cover for gas, oil, and LPG boilers
Complete loss of heating
Complete loss of hot water
Gas supply pipe
Up to £50 towards alternate heat source
Complete failure of at least one electrical circuit in your home
Up to £250 towards hotel accommodation

What’s not included?

Pre-existing faults
Repair/remedial work highlighted during a boiler service
Repairing/rectifying leaks in your boiler
Underfloor heating
Trace & access costs
Reinstatement costs
Dripping/seized taps
Repair/replacement of showers
Pipework that isn't your responsibility
Claims reported after 48 hrs of noticing the issue
Materials/parts/labour already covered by a warranty/guarantee

Want more cover and fewer restrictions?

Get higher claim limits and cover for everyday issues like dripping taps, or just one radiator packing up - not just total breakdowns with our ‘Supercharged’ cover for less than £2 extra a month.

Unlike some of our competitors, the annual/monthly amount you'll pay doesn't change based on where you live, how old your boiler is, what make your boiler is, or how many radiators you have in your home.

Are you comparing prices?

Based on a three bed semi-detached property with 10 radiators (the average in the UK), with a boiler aged 8-9 years old, you will pay:

Cover	Competitor	HEA
Boiler & Heating (£0*)	£29.92	£21.98
Boiler & Heating (£60*)	£19.03	£17.58
Complete Cover (£0*)	£44.57	£31.59
Complete Cover (£60*)	£25.55	£25.23

* Refers to excess payable at point of claim.

^All packages include a boiler service. Prices correct as at 10.03.2025.

Exclusive Member Discount

Exclusive 35% discount offer on our home emergency cover.

Get a 35% discount on our home emergency cover packages as an exclusive Charity Worker Discounts member. Simply enter promo code CWD35OFF when getting quote.

Offer terms & conditions

Lyn Roach

Very reasonable price was with another home emergency company but their prices increased greatly.

Chris Potter

Responsive service, very helpful to find a good value solution for me. Thank you

John Kelly

The local plumber has contacted us within 24 hours to arrange appointment. Read full review

FAQs

HEA makes protecting your kitchen appliances simple. Our home appliance insurance covers a wide range of appliances, with flexible options to suit your home and your needs. You can get a free quote online in moments and set up your policy quickly, with friendly support available if you need a hand. And if you need to make a claim, our team is here Monday to Friday, 9am–5pm. Clear cover, helpful service and one less thing to worry about.
Here’s how it works - quick, simple, and stress-free:
1. Call us - or fill out our online form - within 48hrs of the problem starting (after this, it wouldn’t be considered an emergency, and wouldn’t be covered).
2. We’ll arrange for an engineer to visit quickly, during our normal working hours (9am - 5pm, Monday to Friday, excluding bank holidays).
3. Once everything’s sorted, you’ll just need to sign to confirm you’re happy with the work, and we’ll take care of the bill directly with the engineer (within your cover limits).
You’ll find everything you need - including contact details on our claims page.
A quick heads-up - there’s an extra £50 excess to pay if:
- you make a claim in the first 90 days of your cover
- the appliance you’re claiming for is over 6 years old
When you take out cover with us, you can choose the excess that suits you best. In general, the higher the excess you pick, the lower your monthly cost will be.
The two options are £0, and £50.
A quick heads-up - there’s an extra £50 excess to pay if:
- you make a claim in the first 90 days of your cover
- the appliance you’re claiming for is over 6 years old
You’ll have unlimited call-outs, up to the value of your appliance(s) you’ve chosen to protect. Just keep in mind you can’t claim for more than the value you’ve declared for each appliance.
Want the full details? You can check out exactly what’s included (and what’s not) in your policy book.
Yes - we’ll need to see proof of purchase for the appliance(s) you’ve chosen to cover. Without it, we won’t be able to process your claim.

Home emergency

Policy book

Essentials product info

Supercharged product info

Other docs

Boiler service

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Get 35% off our home emergency cover. Now from £2.75 a month.