Home Emergency Cover

Uncle_Fester_2

Can anyone recommend a company, who offer Home Emergency cover on its own?

As my property is a leasehold and buildings is arranged by the freeholder.

Many Thanks

Uncle_Fester_2

Anyone???

gazza975526570

You want contents only cover or just the home emergency?

If the latter a few off the top of my head are British Gas, Homeserve, Direct Line Insurance

You can get cashbackfor BG and DL through Quidco too.

There are more limitations with the DL policy - and BG doing a yearly safety check too

There are lots of others but a lot just in name only and are serviced by Homeserve

bazza1603

Home Serve for plumping, electric and drains and inside gas pipes about £12 a month. I use this and then a plan from British Gas to get my heating serviced and fixed if it breaks down for about £22

Hope this is what you are after.

gazza975526570

You have to be carefull what you exactly get as some of the things are already covered under your home insurance.

scheming_gypsy

gazza975526570 wrote: »

There are lots of others but a lot just in name only and are serviced by Homeserve

you can include Direct Line in that list too.

FlameCloud

£12 a month?

You can go and open a Halifax Ultimate reward account for a tenner a month (cheaper for staff) and you get it for free, on top of mobile insurancre, travel cover.

gazza975526570

That will be for the lowest form of cover though

regularsaver1

The cover provided on the Halifax's ultimate reward account is exactly the same as the add on its home insurance which usually costs £4.17 per month, up to £250 call out

regularsaver1

sorry its long: from policy docs

Halifax Home Emergency Cover covers the following:

“A sudden event that was not expected by any of your family and which needs immediate action to:-”

make the home safe or secure
avoid damage or more damage to your home
make your home fit to live in
restore electricity, gas or water services to your home if they have totally failed
Home Emergency cover is designed to compliment Home Insurances by protecting you against the cost of emergency repairs that would otherwise not be covered. The cover provides peace of mind for you and your family in the event of an emergency 24 hours a day, 365 days a year.

Home Emergency Cover key features:

Cover is provided up to £250 per insured incident
The cover protects you against the contractor’s call out charges, labour and parts or materials
In the event of an emergency we will endeavour to arrange for a contractor to be with you within 2 hours or 4 hours if you are in a rural location
There is no excess to pay on any claims
Claims do not affect your Household No Claims Discount
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Home Emergency Cover includes:

The cost of the qualified person chosen to deal with the emergency. This applies to the call out charge, labour and any materials necessary.
Limits

Up to £250.00 per insured incident
What is not covered?

A fault any member of your family knew or should have known about when you took out the policy
Systems or structures, e.g. central heating that have not been installed or fitted by qualified workmen
Any claim if your home is unoccupied for more than 60 days in a row
Any claim if your mains electricity, water or gas supply fails or is deliberately cut off by any electricity, water or gas supply company
Any deliberate act of any public or local authority service
Any deliberate act or omission by any member of your family, in an attempt to make a false or fraudulent claim under this section
Any claim which is covered by a maintenance agreement, guarantee or extended warranty contract
Any claim because your central heating boiler fails and it is over 10 years old
Solar heating, septic tanks, guttering and down pipes
Breakdown or loss of, or damage to, domestic appliances like freezers, washing machines, microwaves or other mechanical equipment such as Saniflow toilets
Any loss where you did not contact us to arrange repairs
Any loss or damage arising from subsidence caused by bedding down of new structures, repairs or alterations to the property, family workmanship or use of defective materials, river or coastal erosion
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