Home Emergency Cover
Burst pipes, broken boiler, electrical damage: when a home emergency happens, you need it fixed - fast! But emergency repairs can be very expensive. With UK Sure Home Emergency Insurance, you can get your home back in order quickly.
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What you need to know
What are you covered for?
Our policy covers you for a wide array of home emergency repairs, including:
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Plumbing
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Electrical wiring
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Boiler
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Heating system
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Pest infestation
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Lost Keys
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Security repairs after a break-in
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Storm damage to roofs
The event must occur after the start date and before the end date of your policy.
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What aren't you covered for?
Our policy doesn’t cover:
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Issues known to you when you took out the policy
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Routine maintenance of items covered
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If your home is left unoccupied for 60+ consecutive days
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With plumbing cover, we don’t include leaks from household appliances
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Emergency boiler cover is only valid after your manufacturing warranty has expired
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Pest infestation for non-covered pests (including but not limited to, ants, fleas, bedbugs, spiders, flies, squirrels, and bees)
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Loss of your keys if another set exists
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Any work carried out by you or any other person which was not authorized by the claims administrator
Suitable for
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House owners who live in the UK
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Adults over 18
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Your main residence only
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Not suitable for
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Renters, landlords, or second homes
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Anyone who already has home emergency cover included as part of another policy
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Why buy a Home Emergency Cover with UK Sure?
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At UK Sure, we’re committed to providing affordable, straightforward insurance policies that are easy to take out (you can buy our policies online in minutes).
Home Emergency Cover offers protection against unexpected events such as leaks, boiler breakdowns, key loss, and sudden loss of electrical or gas supply. All of these things can be costly, and potentially dangerous, so with this policy, you can have peace of mind that you’re covered to get them fixed.
And we don’t require you to only use selected repairers. You can choose to use any qualified professional you like so that your emergency can be dealt with as fast as possible.
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Policy Documents
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This insurance is arranged by Stubben Edge who is also the policy administrator and is underwritten by Novus Underwriting Limited on behalf of Millennium Insurance Limited.
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Home Emergency Cover FAQs
What is home emergency cover?
Also known as Home Emergency Insurance, it covers you for various home disasters. When you have a problem with your plumbing, electrical wiring, drains, pipes, boiler, heating system or roof, or you lose your keys, the emergency repairs you’ll need to make your home liveable again can be very expensive. Home Emergency Insurance provides cover for those types of emergencies.
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What is the excess?
You can choose from four levels of excess, which is the amount you pay towards each claim: £0, £25, £50 or £95.
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Is there a limit on what I can claim?
You can choose a limit for each claim – either £500 or £1,000, minus your excess. And you can make a maximum of three claims per year. Some parts of the policy, such as emergency accommodation, have different limits.
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Do you arrange for the repairs
We let you choose your own repairer so that you can use the person and service most suitable for your needs. We’d advise you to keep the emergency numbers of local repairers somewhere you can quickly access them. You need to be sure they are qualified and meet the criteria laid out in the policy in order to make a claim.
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I am a landlord. Do you offer landlords home emergency cover?
Not right now, but check back soon since this will shortly be live on the site.
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Do you offer home emergency insurance for flats, caravans or mobile homes?
Not yet, but we hope to soon!
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Do you cover maintenance, servicing and scheduled repairs?
Sorry, no - our Home Emergency Insurance only covers emergency repairs!
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Do you cover damage to appliances?
Not with this policy, but we do offer excellent Multiple Appliance Insurance.
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Do you cover older boilers?
We cover all boilers that are less than 15 years old, have an output of 60kW/hr or less, and have been professionally serviced within the last 12 months or in line with the manufacturer’s instructions.
Does the policy provide insurance for lost keys as well as stolen keys?
Yes, if you’ve lost your keys or had them stolen and need a locksmith to let you into your home, that’s covered. But if someone else is already home who can let you in and there’s a spare set of keys, we won’t pay for new keys to be cut. We also don’t cover keys for anything except your main home: garages, outbuildings and other keys are excluded.
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Is home emergency cover worth it?
We can’t decide that for you, but if you need an emergency plumber or electrician, you might pay £40-60 per hour, plus a call-out fee of around £100 to £110. And, if you need them to come urgently, particularly during unsociable hours, their hourly fee could easily double.
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I saw a rat in the garden. Do you cover that?
While we do cover the removal or extermination of an infestation of black or brown rats, field or house mice, and wasps’ or hornets’ nests, that’s only for ones inside your home. We don’t cover garages, outbuildings or other types of pests.
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What else is excluded from your home emergency insurance?
You can read the full policy document with detailed coverage and exclusion information here.
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