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Home Emergency Cover Pricing Explained

Read our handy guide which explains how we work out your Home Emergency Cover price

We base your Home Emergency Cover price on a variety of factors, such as the age of your boiler and your claims history. We’ll then work out a personalised price for you.

Flick between the tabs below to see what factors are taken into consideration when you take out or renew a policy with us.

When you first take out a Home Emergency Cover product, you’ll pay an introductory price. It may also include factors such as:

  • Where you live
  • Your claims history
  • The age of your boiler – the older your system, the more likely it is to break down
  • The excess amount chosen
  • Insurance Premium Tax (IPT)
  • How you choose to pay for your policy – by choosing to pay monthly, there will be an additional charge (APR)

There are many reasons why the cost of your Home Emergency Cover may have changed on renewal. Your premium is based on several factors, including:

  • Introductory discount coming to an end as this is only available to new customers.
  • Claims
  • Inflation
  • Age of boiler
  • Changes to Insurance Premium Tax (IPT)
  • Making a change to your policy; by changing your excess or level of cover, the price you pay both now and at renewal will be affected. i.e. If you change your excess to be higher, your premium will come down whereas if you add Utilities cover to your Boiler and Heating plan, your premium will go up.
  • How you choose to pay for your policy – by choosing to pay monthly, there will be an additional charge (APR)