What are the main exclusions from home emergency cover?
You won’t be able to claim for:
loss or damage that happens because of something you’re already aware of when you take out your home emergency cover or that happens before or within 7 days of the start date of this cover on your policy
some heating systems such as dual purpose boilers, warm air and solar heating systems, LPG (Liquid Petroleum Gas) and underfloor heating
day-to-day maintenance or replacing parts due to wear and tear
routine home services and domestic appliance breakdowns such as dripping/seized taps
electric showers and domestic appliances such as washing machines
properties which are unoccupied for 60 days or more in a row
For flats or apartments we will not cover:
drainage problems or pest infestations in communal areas
You can see the full list of exclusions in the Policy Document.
How to save on your home emergency insurance policy
Get £5 off your policy with any other cover you take out. T&Cs apply.
You can add the following when you apply:
buildings insurance so the bricks, mortar, fixtures and fittings of your main home are insured.
You could save money if you take out buildings and contents insurance together versus buying them separately. See our home insurance page to get a combined quote