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Posted on 31 May 2021

Why You Need Home Emergency Cover

If a pipe bursts or your boiler breaks down, it can be a huge relief knowing you’ve got Home Emergency cover in place to rectify the emergency quickly and cover any repair costs.

Depending on the level of cover your choose, if your central heating stops working, you have an electrical fault in your home or you discover pests have made a nest in your house, your Home Emergency insurance provider will send out an approved tradesperson to fix the problem.

While home insurance will usually cover any damage caused by an emergency – for example, if a pipe bursts and the water ruins your carpets – it won’t usually cover the costs for call-out fees or emergency repairs of your boiler and central heating or your plumbing and drainage system.

It’s important therefore, to have Home Emergency Cover in place before a problem develops, to make sure you’re covered in the event of an emergency.

What does Home Emergency Cover with Home Emergency Assist include?

If you buy Enhanced Complete Cover, you’ll benefit from the following:

  • Boiler & Central Heating: this will cover you in the event your boiler stops working and you’re left without heating and/or hot water. We can cover gas, oil and LPG boilers under 15 years old. It’s important you get your boiler serviced once a year to keep it well-maintained.
  • Plumbing & Drainage: this covers you for damage to or failure of your plumbing and drainage system where you’re likely to suffer internal flooding or water damage. This includes loss of access to your only or all toilets within your home.
  • Electrics: covers you for the electrical failure of at least one complete circuit.
  • Security: this covers you if your windows, doors or locks are broken and your home is not secure. We’ll also cover you for the loss of your only available key to the home which can’t be replaced (and normal access can’t be obtained).
  • Pests: we’ll cover you in the event you suffer from an infestation of mice and/or rats, as well as wasp and hornet nests.
  • Roof: covers you for missing, broken or loose tiles which is causing internal water damage.
  • Boiler Replacement Contribution: we’ll give you a contribution towards the cost of a replacement boiler if yours is deemed to be beyond economical repair.
  • Overnight Accommodation: where it’s not been possible to resolve your emergency following an accepted claim for emergency repairs, we’ll arrange overnight accommodation for you.

What’s classed as an emergency?

We class an emergency as a sudden or unforeseen event which, if not dealt with quickly would:

  • Render your 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

Can you get cover for non-emergencies?

If you upgrade to Premium Complete Home Emergency Cover, you will be covered should any of the above scenarios occur as well as being covered for non-emergency situations.

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

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

 

To find out more about our Complete Home Emergency plans, boiler and central heating insurance or other types of home care cover plans, such as plumbing and drainage insurance and home appliances cover, contact our friendly team on 0330 09 48 301. You can even request a call back to discuss your requirements or get a quote online.

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Posted on 26 April 2021

Tips To Avoid Home Emergencies

You never know when a home emergency such as a broken-down boiler or burst pipes might happen, leaving you with the stress of sourcing engineer and with potentially costly repair leaving you out of pocket.

Even if you have Home Emergency Cover in place, there are still steps you can take yourself to prevent a home emergency striking in the first place. We’ve put together a list of things you can do to avoid this happening and to keep your property safe.

Service your boiler

If you’ve ever had a broken boiler, especially during the colder months, you’ll know just how stressful and potentially costly it can be. Having your boiler serviced annually can help spot small issues before they become bigger – and more expensive – problems.

You can add a boiler service to any of our Home Emergency insurance plans from just £6 a month. Find out what a boiler service involves.

Protect your pipes

Burst water pipes are especially common in cold weather due to water freezing and expanding inside your pipes. As the water expands, it can substantial pressure on the pipe, meaning weaker pipes may burst.

If you can, check that none of your pipes are missing insulation before the weather gets colder. Condensate pipes are especially prone to freezing as they often run outside your property. Find out how to thaw a frozen condensate pipe with our handy guide and make sure you know where your stopcock is in the event of a bust pipe, so you can stop the flow of water quickly.

Complete Home Emergency Cover can help protect your plumbing and, if you upgrade to our Premium package, also take care of non-emergency problems like dripping taps too.

Maintain your drains

The best way to look after your drains is to be conscious about the things you’re putting down your bath, shower and sink plug holes or flushing down the toilet. Even things like food down your kitchen sink or hair down your bath/shower plug hole can build up over time and cause blockages. You can read our blog post ‘Top Tips For Looking After Your Drains and Pipes‘ for information on looking after your plumbing system.

Blocked drains are inconvenient and unpleasant to deal with and could result in you having to call out a plumber to deal with the problem.

Our Complete Home Emergency package ensures that in the event of the failure of your plumbing system, that you have help to cover the cost of repairs.

Check outside

You may forget to check the outside of your property, but this is especially important to check before the cold weather sets in.

Make sure you don’t have any missing, broken, or loose roof tiles that could cause internal water damage when the weather turns bad.

It’s also important to check that you don’t have any holes or cracks that could let in water or even pests in search of a warm place to shelter.

Check too that your external locks, doors and windows remain secure and inaccessible to intruders.

By purchasing Complete Home Emergency Insurance, you’ll be covered in the event of any of the above home emergencies (from a list of specified pests if you discover an infestation in your home/building attached to your home).

Take care of your electrics

Overloading your electrical circuits or using faulty electrical devices can be very dangerous and result in a power cut, or in the worst-case scenario, an electrical fire. You should never attempt repairs on faulty electrics yourself, meaning you’ll need to get them checked out by a qualified electrician as soon as possible.

A Complete Home Emergency Cover package can protect you against the failure of at least one complete circuit (that can’t be resolved by resetting your fuse box), meaning you’re not left having to source your own electrician in the event of an emergency/

Home Emergency Assist is an appointed representative of Insure Group Limited, who are authorised and regulated by the Financial Conduct Authority (FCA) giving you additional peace of mind.

To find out more about our Complete Home Emergency plans, boiler and central heating insurance or other types of home care cover plans, such as plumbing and drainage insurance and home appliances cover, contact our friendly team on 0330 09 48 301. You can even request a call back to discuss your requirements or get a quote online.

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Posted on 15 March 2021

How To Protect Your Home’s Security

If you’ve ever had your external locks, doors or windows fail or lost your only available key, you know how stressful it can be knowing your home is insecure. You’ll also have to spend time and money finding a locksmith to change your locks and replace your keys.

A recent survey by Moneysupermarket found that nearly 37% of UK homeowners have lost at least one set of keys within their lifetime. This can impact your home’s security and even invalidate your home insurance in some cases. Most home insurers won’t pay out unless there’s forced entry to your property.

Benefits of Home Security insurance

Making sure you have cover in place to protect you against losing your keys and securing your locks can give you the peace of mind that if the worst were to happen, you’ll be able to get back into or protect your property quickly. It also prevents expensive call-out charges, especially if you were to call for a locksmith in the middle of the night or at the weekend.

What does Home Security insurance cover you for?

When you buy Complete Home Emergency Cover with us, you’ll get the benefit of Home Security insurance. There are two parts to the cover:

  • You’ll be covered in the event that you experience damage to or failure of any of your external locks, doors or windows that means your main living areas are unsafe and easily accessible to intruders
  • If you lose the only available key to your home, one of our trusted, approved engineers will gain access to your property and ensure it’s left secure for you. This means you’re not left waiting for a locksmith to rescue you

Tips to keep your keys safe

On average, we spend 10 minutes a day searching for items we’ve misplaced, keys being the second most common thing we lose. We’ve put together some tips for keeping your keys safe:

  • Avoid leaving spare keys in hidden places (such as under your doormat). It’s not as safe as you think
  • Separate your keys out rather than having them all on one bunch
  • Leave a spare with a family member or a trusted neighbour
  • Keep your keys out of sight when you’re at home and don’t leave them near doors/windows

Home Emergency Assist is an appointed representative of Insure Group Limited, who are authorised and regulated by the Financial Conduct Authority (FCA), giving you additional peace of mind.

To find out more about our Complete Home Emergency plans, boiler and central heating insurance or other types of home care cover plans, such as plumbing and drainage insurance and home appliances cover, contact our friendly team on 0330 09 48 301. You can even request a call back to discuss your requirements or get a quote online.

  • Join our mailing list

    Sign up with your email address for the latest news, updates and exclusive competitions! (Don't worry - you can unsubscribe at any time)

Get a quote for Complete Home Emergency Cover today!
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