Home emergency cover, also known as home emergency assistance, is an add-on for your Home Insurance for sudden or urgent issues that affect your property or belongings. It can provide 24-hour support and temporary repairs to stop a sudden and unexpected issue before it becomes a bigger problem.
It is an additional add-on for Sky Protect Home Insurance and included as standard for Sky Protect Smart Home Insurance customers.
What is included?
£1,000 (incl. VAT) per claim for temporary repairs.
Up to £250 for overnight alternative accommodation should your home be uninhabitable.
Boiler contribution of £500 if boiler deemed ‘beyond economical repair.’
No limit to number of claims per annum.
No impact to Home Insurance no claim discount.
No excess to pay.
What emergencies are covered?
Complete breakdown of the boiler and/ or heating system.
Internal plumbing and/ or drainage emergencies resulting in leaks or blockages.
Failure of the electrics rendering the home uninhabitable (all lighting, all sockets, meaning your whole property is without electricity.)
Removal of rats, mice, wasps and hornets, where evidence of infestation in your home has been found.
Sudden unexpected roofing emergencies, caused by a storm or bad weather, leading to water entering your property.
Temporary repair to damaged external doors and windows that leave the property unsecure.
Exclusions apply, so make sure you check your policy wording for more information.
What isn’t covered?
Home emergency cover will provide temporary repair for unexpected issues which have damaged your home or made it unsafe to live in, until you can arrange permanent repairs. It won’t cover you for non-emergencies, such as:
Loss or damage caused due to a lack of maintenance to the building.
Loss or damage caused by general wear and tear.
Mechanical breakdown (Washing machines, fridge freezers, dishwashers etc).
Dripping taps.
Pests found outside of the home.
Household appliances.
Under floor heating and air conditioning units.
Home emergency cover will cover you for call-out fees, labour, and essential repair parts only. If there is any damage to your property or belongings, you’ll need to get in touch with the Sky Protect Home Insurance team.
How do I make a claim?
For more information on how to make a claim with Home Emergency, see here.