Home Cover Plan
Silver
Silver
£11.99 / month
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Heating Failure - The failure of the main heating system in your home.
Plumbing & Drainage - Damage to, or blockage, breakage or leaking of, the drains or plumbing system that you are responsible for in your home.
Home Security - The failure or damage to external doors, windows or locks resulting in your home becoming insecure.
Toilet Unit - Impact damage to, or mechanical failure of a toilet bowl or cistern.
Power Supply Failure - The failure of the domestic electricity or gas supply in the boundaries of your home.
Keys - The only available set of keys to your home is lost, stolen or damaged.
Vermin - An infestation by vermin in your home which prevents the use of the loft or one or more rooms in your home.
Annual Boiler Service - An Annual Boiler Service could not only save your life but prolong the boiler’s life and protect its manufacturer’s warranty.
Our home cover plan is designed to grant our esteemed customers absolute serenity with respect to emergency home coverage. When things go wrong we are here to solve them with unlimited engineer call outs and no excess combined with a 24 hour customer dedicated helpline.
With our dedicated 24-hour customer service we promise responsive emergency call-outs when you need us.
We believe our cover offers some of the best extras that money can buy in the industry.
We promise not to increase our prices in the second year and not charge for cover you don’t need.
Roof Damage
Any damage to the roof of your home where internal damage has been cause or is likely.
Plumbing and drainage
Damage to, or blockage, breaking or leaking of, the drains or plumbing system that you are responsible for in your home.
Pipes for which your water supply or sewage company are responsible and rainwater drains and soakaways.
Heating failure
The failure of the main heating system in your home.
Cold-water supply or drainage pipes, non-domestic heating or non domestic-hot water systems, or any form of solar heating or warm air system.
Power supply failure
The failure of the domestic electricity or gas supply in the boundaries of your home.
The failure of the mains supply.
Toilet unit
Impact damage to, or mechanical failure of, a toilet bowl or cistern that results in complete loss of function of the only toilet or toilets in your home.
If you have another toilet in your home that is working.
Home security
The failure of or damage to external doors, windows or locks resulting in your home becoming insecure.
Keys
The only available set of keys to your home is lost, stolen or damaged and you can’t replace them, or can’t gain normal access to your home.
Vermin
An infestation by vermin in your home which prevents the use of the loft or one or more rooms in your home.
An infestation in any domestic outbuilding or garage, or the removal and or control of bees nests.
Roof Damage
Any damage to the roof of your home where internal damage has been cause or is likely.
Plumbing and drainage
Damage to, or blockage, breaking or leaking of, the drains or plumbing system that you are responsible for in your home.
Heating failure
The failure of the main heating system in your home.
Power supply failure
The failure of the main heating system in your home.
Toilet unit
Impact damage to, or mechanical failure of, a toilet bowl or cistern that results in complete loss of function of the only toilet or toilets in your home.
Home security
The failure of or damage to external doors, windows or locks resulting in your home becoming insecure.
Keys
The only available set of keys to your home is lost, stolen or damaged and you can’t replace them, or can’t gain normal access to your home.
Vermin
An infestation by vermin in your home which prevents the use of the loft or one or more rooms in your home.
Plumbing and drainage
Pipes for which your water supply or sewage company are responsible and rainwater drains and soakaways.
Heating failure
Cold-water supply or drainage pipes, non-domestic heating or non domestic-hot water systems, or any form of solar heating or warm air system.
Power supply failure
The failure of the mains supply.
Toilet unit
If you have another toilet in your home that is working.
Vermin
An infestation in any domestic outbuilding or garage, or the removal and or control of bees nests.
Home cover plan refers to an insurance policy that affords fiscal security to property owners against unexpected and urgent repairs required in their homes. Generally, this insurance type shields emergency repairs that include burst pipes, boiler breakdowns, electrical defects, roofing harm, and other abrupt home emergencies. Policyholders can acquire this coverage as a standalone policy or as a complement to their prevailing home insurance policy. The protection level of home emergency coverage policies differs from one another, providing the consumer with flexibility. Securing home emergency coverage can grant property owners peace of mind, assured that they possess financial protection and access to competent tradespeople if an emergency arises.
Home cover plan can prove advantageous in specific circumstances, providing aid and support for unforeseen incidents that demand prompt attention within your abode, for instance, burst conduits, boiler malfunctions, or electrical failures.
In the event that you reside in an antiquated dwelling with outmoded plumbing or warming systems, or you occupy a location that is prone to severe weather phenomena, emergency coverage may serve you well. It engenders a sense of security knowing that you possess access to 24-hour support and assistance should an emergency arise.
Nevertheless, comprehending the terms and conditions of any policy is crucial, enabling you to discern precisely what is included and what is not. Policies may impose limitations such as the maximum number of call-outs or the highest level of coverage for any given scenario.
Moreover, if you are already protected under a home insurance policy or a comprehensive maintenance agreement with a service provider, you may already hold some level of emergency coverage.
Ultimately, the efficacy of home emergency coverage is contingent upon your individual circumstances and risk threshold. It may be worthwhile considering if you are apprehensive about the probable cost and inconvenience of sudden domestic calamities.
Thorough investigation is indispensable in identifying the optimum coverage for emergencies at home. Firstly, determine your coverage requirements and examine any relevant exclusions. Proceed by scrutinizing different providers and their policies, paying close attention to the merits, limitations, and fees of each scheme. Furthermore, scour the internet for customer feedback, gauging their experiences with the provider and their insurance coverage. Seeking the counsel of a reliable insurance agent or broker may also prove advantageous in navigating the intricate world of insurance policies and determining the most fitting plan for your specific needs. In conclusion, meticulous research and prudent deliberation are pivotal in selecting the most suitable home emergency coverage plan for your circumstances.
This policy will only provide a temporary repair to limit or prevent the damage, or if at a similar expense the cost of completing a permanent repair in respect of cover provided.
You are covered in respect of properties located in the United Kingdom, Channel Islands and the Isle of Man.
You must provide full and accurate information to all questions asked. Your answers must be answered to the best of your knowledge and belief. Your answers will form part of the statement of facts of which your policy will be based, if you become aware that the information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be valid.
Your cover will start on the day you complete your application and set up your direct debit. Unless you notify us we will automatically renew your policy for a further 12 months.
If you decide that for any reason, this policy does not meet your insurance needs then please email info@homecoverplan.co.uk
We define a Home Emergency as an insured event that is sudden, unexpected and require immediate corrective action to:
You can call the claim line one: 0117 927 5221