how emergency home assistance insurance can help you
Imagine it was the middle of winter and your main heating system suffers a total failure or breakdown so your heating stops working. With the winters we have had the last few years it would be a living nightmare as you would either have to go without heating or call out a contractor and pay to get your heating system fixed.
With emergency home assistance insurance this would take this worry away, because should your main heating system fail or breakdown, the insurer will pay for a contractor to come out to your home address and pay the following costs to try to resolve the issue:
- This cover will pay up to £1000 per claim including VAT, call out, labour, parts and materials to carry out an emergency repair;
- Pay towards parts & materials to fix the problem up to a maximum of £100
- If the home is uninhabitable and remaining so because of a covered event, this cover will pay for alternative accommodation costs up to a maximum of £250
- The maximum amount payable per claim is £1000
Cover is underwritten by the UK Branch of Inter Partner Assistance S.A. a Belgian firm authorised by the National Bank of Belgium. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
Failure or breakdown of your main heating system is just one example of how emergency home assistance insurance can help you, other events covered by this insurance are as follows:
- Plumbing & Drainage – Sudden damage to, or blockage or flooding of the drains or plumbing system likely to cause damage to your home or its contents
- Home Security – Damage to or the failure of external doors, windows or locks which compromises the security of the home
- Toilet Unit – Breakage or mechanical failure of the toilet bowl or cistern resulting in loss of function providing there is no other toilet in the home
- Domestic Power Supply – The failure of the home’s domestic electricity or gas supply
- Lost Keys – Loss of keys if you cannot replace them to gain access to your home
- Vermin Infestation – Vermin causing damage inside the home or a health risk to you
- Roofing - Sudden or unforeseen roofing problems such as leaks or tiles blown off during a storm or bad weather
All the above is subject to the terms and conditions of the policy wording (PDF 544KB) and key facts (PDF 92KB).