Home Emergency Insurance

Cover Includes

✓  Boilers, Plumbing, Security, Pests & more

  24/7 Emergency Helpline

From Just £55 Per Year

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Comprehensive Home Emergency Insurance

It is difficult to be prepared for an emergency in your home simply because of the number of things that can go wrong. From failed mains services & pest infestations to breaches of security & leaky pipes, these are just a few of the scenarios can have a domino effect if they are not dealt with quickly & efficiently.

Our Home Emergency Cover safeguards against the problems that these situations can cause, saving you from unexpected costs and helping to ease the stress when they occur. With a 24/7 emergency helpline, our expert advisors are ready to send out approved engineers to fix your problems as soon as possible. 

Combining boiler cover, pest protection, plumbing, drainage and more, to give you comprehensive cover against the unexpected and allow you to live life confidently.

If you are a landlord, we can also take care of your tenant’s emergencies for you with our Landlord’s Home Emergency Insurance.

Key Benefits of our Home Emergency Insurance

  • All-in-one policy covering leaking and burst pipes and complete failure of gas boilers, central heating systems and main services
  • Removal of pest infestations is also included
  • Quality-approved engineers arranged on your behalf
  • 24/7 emergency helpline with our trained expert advisors

Cover Options

Our all-in-one home emergency cover plans start from just £55 a year. We offer three levels of cover for you to choose from with a maximum number of 5 claims per year:

  • Cover 250 pays up to £250 per claim
  • Cover 500 pays up to £500 per claim
  • Cover 750 pays up to £750 per claim

What is covered?

We aim to be as clear and transparent as possible. So feel free to check what we cover, because sadly, we can’t cover everything.

  • Complete failure of your gas boilers and warm air units
  • Burst or Leaking pipes that may cause damage to your home contents
  • Blocked drains or sewers causing damage to the inside of your home
  • Inoperable toilet which has resulted in complete loss of function
  • Complete failure of your mains  services i.e. water, electricity and gas
  • Removal of wasp nests, field or house mice or brown rats within your home
  • Water damage or damage to the roofing, such as missing or repositioned roof tiles
  • Break-in or vandalism compromising the security of your home

What is not covered?

We aim to be as clear and transparent as possible. So feel free to check what we cover, because sadly, we can’t cover everything.

  • Day to Day maintenance issues
  • Gas boilers and central heating systems which have not been installed, serviced or maintained in accordance with statutory regulations or manufacturer’s instructions, boilers over 10 years old and boilers which don’t have a proof of annual boiler service. Please note, partially working gas boilers and central heating systems will not be covered.
  • Dripping taps and the results of hard water scaling deposits breakage of any basin, bath, bidet or shower base
  • Inoperable toilet, if you have more than one toilet in the home
  • partially working mains services
  • Any pest infestations in your Home’s garden or outbuildings
  • Blocked or misaligned guttering
  • Breakage of internal glass or doors and loss not reported to the police from a break-in or vandalism to your home
  • A boiler service – these can be arranged simply via Gas Safe Register

Important bits to know

Don’t worry if you change your mind about our home emergency policy, as you can take advantage of our 14-day cooling off period.

We don’t store your credit card details and we don’t automatically renew your policies without speaking to you. However, our payment partner, Worldpay, does retain enough information so that we are able to refund you.

Please note there is a 28-day Moratorium with this policy before you are able to make a claim.

How to make a claim

This policy is underwritten by Astrenska Insurance Ltd and all claims are handled by Intana Assist. In the event of an emergency, please call Intana Assist on the 24/7 phone line: 0144 4442385.

The Price Match Guarantee

We offer much more than just great prices, but we don’t want price to be a reason you shop elsewhere.

At Surewise.com we believe that our home emergency cover is the cheapest and best value cover on the market.

So, if you find the same cover cheaper elsewhere, we promise we’ll match it – even up to 7 days after your purchase.

All you need to do is make a note of the supplier, its price and the cover you want us to match. We will verify and match the price there and then for you.

To benefit by phone, call 01268 200020 or email, customerservices@surewise.com

Price promise terms and conditions

  1. We’ll match our competitor’s website UK price
  2. The competitor’s product must provide the same cover levels as ours, be offered on the same terms, and be purchasable online.
  3. We will price match up to 7 days after your purchase
  4. We must be able to verify the competitor’s price and cover levels
  5. We’ll match the price of a product; not other charges or other services, and a discount must not have been provided
  6. Cannot be used with any other offer
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What is Home Emergency Cover?

Home Emergency Insurance provides support in the event of a household emergency, arranges professional engineers to attend to resolve your issues as soon as possible and covers the costs.

Our policy is Boiler Cover, Pest Infestation Protection, Water Leak Insurance & more all rolled into one, comprehensive policy.

What is the Best Home Emergency Cover?

It is difficult to determine what Home Emergency Insurance is the best as each policy provider will offer different benefits and each customer will have different needs.

We offer our customers the opportunity to tailor their policy to fit their needs in order to provide the best home emergency cover possible.

It is most important to choose the cover & company that is right for you for a price that is within your budget.

Is Home Emergency Cover worth it?

With labour, parts & emergency call outs being expensive and time being of the essence, if you are unprepared you could find yourself in a compromising position.

Home Emergency Cover is an all encompassing product, incorporating elements of boiler cover, pest insurance, leak cover & more, designed to give you peace of mind in event of an emergency, whilst also saving you money!

Do I need Home Emergency Cover If I rent?

No, you will not need Home Emergency Cover as typically it is your Landlords responsibility to deal with emergencies.

In most cases your landlord will have insurance that provides you with boiler cover, protection against leaks etc. 

Our Landlords Home Emergency Insurance gives you, the tenant, direct access to our 24/7 emergency helpline, in order to streamline the process so we can provide a solution to your problem as soon as possible!

Frequently Asked Questions

A sudden and unforeseen domestic situation which, if not dealt with quickly, would in our opinion:

  • Make your home unsafe or insecure
  • Damage or cause further damage to your home
  • Cause unreasonable discomfort, difficulties or risk to you.

Yes, an excess fee is included on this policy. The excess fee amount depends on the level of cover you have.

If you cancel the policy within the 14-day cancellation period and no claims were made and no claims are pending, you will receive a full refund.

If you cancel the policy outside of the 14-day cancellation period, this will take effect immediately and unfortunately, no refund of premium will be made.

As long as the insured person lives at the property and it is classed as one property (not 1a, 1b etc.) then you will need a Domestic Home Emergency policy.

A HMO (Houses in Multiple Occupancy) is a house occupied by more than 2 qualifying persons, those being persons who are not all members of the same family.

Currently, these dwellings are not covered by our Home Emergency policies

In the unfortunate instance that you are burgled, under the terms our policy, we would make your home safe and secure until a permanent repair can be arranged by you or under your Home Buildings and Contents insurance.

This home emergency policy will begin on the date shown on the policy schedule and will run for a period of 12 calendar months unless cancelled.

Yes, depending on the level of cover you choose:

  • Silver provides cover for up to £250
  • Gold provides cover for up to £500
  • Platinum provides cover for up to £750

Home emergency policies covers emergency repairs in the event of any of the following emergency situations:

  • Burst pipes or sudden leakage.

We also cover complete failure of your:

  • Domestic water mains or electricity supply
  • Underground drains or sewers
  • Domestic primary heating
  • Break-in or vandalism compromising the security of your home
  • Damage or mechanical failure of, the only accessible toilet in your property which results in complete loss of function

Important documents

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