Home Emergency Insurance For You And Your Family. 24/7 hours Claims Helpline - Unlimited No. of Call Outs, Repairs & Claims.

Home emergency protection plans for boiler, heating, plumbing, electrical and much more..

Home Emergency Insurance
Cope with an unexpected emergency in your property.

One policy to bring peace of mind covering emergencies including leakage, burst pipes, boiler breakdown, boiler repairs, central heating systems, mains services, etc...

STANDARD

£12.99
Monthly

£39 Excess
Claim limit £1000

Plumbing

Electrical

External Locks

Doors & Windows

Blocked pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accommodation

Annual Boiler Service (Included)

ESSENTIAL

£13.99
Monthly

£50 Excess
Claim limit £2500

Plumbing

Electrical

External Locks

Doors & Windows

Blocked pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accommodation

Annual Boiler Service (Included)

PREMIUM

£19.99
Monthly

£50 Excess
Claim limit £5000

Plumbing

Electrical

External Locks

Doors & Windows

Blocked pipes

Pests

Lost Keys

Central Heating Cover

Boiler Breakdown

Alternative Accommodation

Annual Boiler Service (Included)

Smart Cover Insurance MOneyFact Reviews

Awards and Recognitions

Need Some Help?

For more information call one of our friendly staff on 03333447988

We cover & handle repairs for a wide range of boiler brands, makes and models. Rapid Repair Reponse & Trusted Nationwide Engineers.

We cover emergencies related to Boiler, Central Heating, Plumbing, Drainage, Electricity, and Security. Benefits vary based on cover levels. Our cover takes the hassle out of you finding a reputable and skilled tradesman during your emergency. With our cover all you need to do is simply call our 24hr claim line and our representative will arrange everything for you! We'll also keep you informed every step of the way, until your home emergency is resolved.

  • 1. Advise you on what action to take to protect yourself and your home.
  • 2. Send one of our approved engineers or arrange an appointment for an approved engineer to visit your home.
  • 3. Organize and pay the cost of providing emergency assistance excluding any excess up to the claim limit per claim including VAT subject to the terms and conditions of your policy.
  • 4. Where a permanent repair is completed under your policy by an approved engineer, we will guarantee the work completed for 12 months from the date of claim.

Whilst we always strive to deliver you maximum benefit at the lowest price, you must know that some circumstances or events are not covered by us. Our terms and conditions clearly explain what incidents we will not be able to pay out on so please read them carefully.

There are certain conditions and exclusions, which limit your cover, please read them carefully to ensure this policy meets your requirements. We do not wish you to discover after an incident has occurred that it is not insured. To assist you in understanding the main limitations of the cover provided, we have detailed these under the "Cover provided" section of your policy.

To assist you in understanding the main limitations of the cover provided, we have detailed these under the “Cover provided” section in the Terms and Conditions, for your reference at this point, here are a few:
General maintenance work
Any event which is not an emergency.
Any leak which does not cause damage to the property.
Central heating boiler which has not been serviced within the 12 months prior to the breakdown.

Rented and let properties, commercial & business premises, mobile homes and bed-sits are not covered.

The waiting period - please also note that any incident which occurs in the first 14 days after the policy commencement date is not covered.

However, should you require emergency assistance during this period please contact the Helpline who will be able to provide cover on a pay on use basis.

  • Checking all controls
  • Operational Safety Check
  • Gas Pressure Check
  • Cleaning (if necessary)
  • Checking fuels & seals
  • Boiler safety report