after seeimg a boiler cover deal .i will share this...
i was paying £25 pm with home serve for boiler cover .i was sick of paying so much so i rang my bank to see what they can do and i couldn't belive it when they said i can have cover for emergencies like heating and electricity and plumbing and lots more,ive even had two wasp nets removed for £4.31 per month.
each call out is covered up to £1000 which is going to fix 99% off problems.
u have to be an existing home insurance customer or new and this is an add on .
does no include a boiler service.
recently used this service with a leak in my toilet .they was at my house within 30 mins and fixed quickly. brilliant service
ive included tsb link as they seem to do it but i would check your bank rather than paying someone else alot more money
Home Emergency Cover can help protect you against the cost of emergency repairs which wouldn't normally be covered by your home insurance, it can help give you peace of mind for emergencies that:
Make your home unsafe or insecure for you and your family
Cause damage to your home and its contents or
Result in your home losing its main source of heating, lighting or water.
If the safety of your home is at risk and you need help fast, you’ll have access to a 24 hour home emergency helpline . A skilled and reliable tradesperson will come to your home to carry out the necessary repairs up to a value of £1,000 per emergency for:
Total failure of electricity supply within your home
Repairs necessary to external doors, external windows and external locks to make your home safe or secure
Loss of heating or hot water due to failure or breakdown of main heating system
depends which tape it is, if it is sellotape falling off the table, they wont cover you.:smirk:
All comments (52)
Theoldmanthatlivedinashoe
23 Jan 17#1
nice
callum84
23 Jan 17#2
Aviva also have it as an add on to home insurance provided by homeserve.
No excess, unlimited callouts and does not affect no claims.
Used 3 times for a gas leak, boiler and blocked drain. Local engineers arrived within 2 hours each time.
Heat
germainsophie
23 Jan 171#3
Wish boiler service was included. :disappointed:
Mines making funny sounds again.... (I've ordered the Tesco 2kW radiator as back up though!:man: )
summerof76
23 Jan 17#4
Heat added :wink:
Crapweasel
23 Jan 17#5
Each call out is £1000, even if the issue is cheap to fix? Sounds expensive, depending on what the issue is that you're calling them out for.
DealPerv2016 to Crapweasel
23 Jan 171#6
I think he means they will fix issues up to £1,000 each call out, makes more sense however he does make it seem like an excess charge :smile:
deanos
23 Jan 171#7
Sheilas Wheels and Esure have this as a free add on , used a few times over the years
ashmac
23 Jan 17#8
I've changed it in title
afnoor
23 Jan 17#9
so if my mixer bath tap needs changing and I'm with NATWEST and I've got home insurance I approach Natwest and they'll sort it out for me?
ashmac to afnoor
23 Jan 171#10
correct but there has to be an issue..like my toilet flush seal went meaning its was constantly filling the top basin up so i rang them and they sent dyno plumbing who installeda whole new flush in my toilet :smile:
i rang and said im worried my house will flood
benjammin316
23 Jan 171#11
More of a heads up than a deal.
tilyymolly
23 Jan 172#12
I had the Halifax cover. The bath was leaking. They came out and said if you buy the new seal we will fit it for a charge.
They said the cover is to make safe not repair. So dont use the bath and it will be safe.
callum84 to tilyymolly
23 Jan 171#14
Thats true.
Its home emergency cover so only for stuff that are an imediate emergency like, no heating, no power, leaks, no toilet etc.
Matty8787
23 Jan 17#13
Pretty cool information, just found I get this included with my reward account via Halifax, I guess this works alongside my home insurance despite that being with someone else?
ashmac to Matty8787
23 Jan 17#15
rewards only cover you for £200
magicjay1986
23 Jan 171#16
Nice one - thanks!
Billythebubble
23 Jan 171#17
Does Sheila's wheels home emergency cover dripping tapes?
haggisheid to Billythebubble
23 Jan 173#19
depends which tape it is, if it is sellotape falling off the table, they wont cover you.:smirk:
crazylegs to Billythebubble
23 Jan 17#30
Hardly an emergency is it!
Guy Incognito
23 Jan 171#18
Thanks for the heads up!
Just checked my HSBC Home cover - link to Policy booklet - and it looks like I'm covered there.
"What is covered? You are covered for the failure of your gas boiler and/or central heating system. Work will be done by a Gas Safe registered engineer who will repair or replace the relevant part(s). Examples of what we will cover: No hot water, No heating, Draining down and isolation of a leaking water tank, radiators or water cylinders or both."
Billythebubble
23 Jan 171#20
Haha very funny!! Not dripping tapes are not covered where water is safely esccaping down a drain. Sounds like the great escape here!
afnoor
23 Jan 17#21
Thank you just in time as I think my bath mixer tap will need replacing...
Splodger101
23 Jan 17#22
That sounds like 'normal' wear+tear, I doubt insurance (any) would cover this?
hotukdeal92
23 Jan 171#23
Perfect my radiators need bleeding
othen
23 Jan 17#24
I'm trying to work out why this is posted as a hot deal - there doesn't seem to be any deal at all here, so I'll have to vote cold.
ashmac to othen
23 Jan 17#25
of your paying £500 cover a year as i was , then end up paying £50 per year then you got a good deal on your insurance..this site is about saving money.
this deal saves money :wink:
Pete525
23 Jan 17#26
Home Emergency cover is a no brainer. Usually an optional extra to a home insurance policy for £5 or less a month. But if you have the stamina, before buying read the key terms and conditions. Some cover up to £1000 repairs, others £500. And often policies explicitly state they will only do a temporary repair to make something safe. Some don't distinguish between temp and perm provided it's an emergency event. I once successfully argued that latter point after a shoddy temporary repair that lasted 30 minutes. The insurer ultimately accepted whilst the cover only applied to emergencies, the only limit on the quality of the repair was the £500 budget. There was nothing to justify only doing a temporary repair. But it absolutely pays to read the policy before buying. It's also pretty standard to exclude wear and tear. So roofing repairs you think are storm damage the insurer may say is just an old slate that cracked, particularly if a good number of other slates are in poor condition.
ansonuk
23 Jan 17#27
I've got it as an add on to my Kwik Fit home buildings and contents policy - had a bit of a nightmare claiming on a leaking bath plughole with them. Just checked they're charging £50 per annum with a £500 claim limit. I bank with TSB and theirs is £1000 per claim so may well switch to that come renewal time
tazmaniac786
23 Jan 17#28
Do Nationwide have this included on their plus account?
callum84 to tazmaniac786
23 Jan 17#32
No
MisterMadHatter
23 Jan 17#29
It's always good to include Home Emergency cover in your home insurance. I pay around £11/month for Buildings and Contents insurance with Together Mutual, and that includes £1,000 Home Emergency cover. If you ever need to claim, just make out that the damage could worsen and create even more damage as the insurance company would rather fix a small problem before it develops into a bigger problem, like a water leak that could damage floors, ceilings, possessions, etc. You just have to be 'careful' how you report these 'home emergencies' to them.
happydeals to MisterMadHatter
23 Jan 17#38
Does the call out for home emergencies affect the No Claim Discount?
othen
23 Jan 17#31
So, which company is the deal with, what does it cost &c? I think you have misunderstood: there is no particular deal here (and certainly not a hot one!), just some general advice on buying insurance.
ashmac
23 Jan 17#33
halifax its in the title :laughing:
but more have been added on
amz84uk
23 Jan 17#34
Thanks for this. I called More Than and they said it'll cost an extra £39.99 for the Home Emergency Cover to cover upto £1,000 for repairs.
However, it doesn't cover wear & tear. They said that if the boiler breaks down in the winter, they'll come out and get me in warmth with hot water, but if it requires a part, I would have to pay for it due to wear & tear (i.e. labour is free). This would not be applicable in the summer though, which is strange as hot water is still required in the summer.
I'll stay with a proper Boiler cover service, as don't want to be paying premiums only to be told that I'm not covered if/when I claim.
othen
23 Jan 17#35
It is not worth arguing, but Halifax does not appear in the title (which is 'saves £100s by checking your bank for home emergency cover - electric plus more £4.31 PM or free depending on insurance £51.72'), thereafter followed by a list of companies (Halifax, TSB, sheilaswheels and esure) that may or may not cover some eventualities as a part of their home insurance for existing customers.
There is no hot deal here, just some general advice to check whether one's household insurance covers everyday risks, and if it does to claim against the policy.
Ho hum.
stphnstevey
23 Jan 17#36
people who think their getting this free are naive - your premium is more to include it
carefulbuyer
23 Jan 17#37
the ribbing was for spelling.
singular is tap
plural is taps
singular is tape
plural is tapes
tap is a thing water comes out of, tape is something you stick parcels with or measure your room.
callum84
23 Jan 17#39
With Aviva no it does not.
Its complety seperate to buildings & contents policy.
For the rest im not sure but wouldnt think so.
sam1970
25 Jan 17#40
I dont think these policies, which are included with home insurance, are worth it. I had the free one with Esure home insurance last year (Even though I have the home care 400 with British Gas). I had a water leak from Kitchen sink so I thought I will try esure first...they refused to send a contractor claiming that this is not an emergency and can get my own plumber. Called BG sent one next day and replaced every thing without a fuss. Actually since I moved to my current 100 years old house last year I called BG 5 times for various plumbing problems, including replacing taps, and they did not disappoint. I think you get what you pay for
amz84uk to sam1970
25 Jan 171#41
I second that. I had a Home Emergency Care policy with MoreThan, and called them about a piping leak into the interior walls. They refused to call out an engineer to inspect the damage and rectify. As a compromise, they asked me to send photos of the damage, and said that I may be covered for the damage caused only. It was apparent they had no intention of sorting anything out.
I called British Gas, and the plumber came out (Dyno) to fix it within 48 hours. I kept the MoreThan claim going just to see if they do send anyone out, but they refused to repair the leaking pipe due to it being "wear and tear" (exclusions on their policy, and a grey area), and they said I was not covered for the damage caused either.
Seemed like a pointless policy to have. Needless to say, I did not renew with them.
ashmac to sam1970
25 Jan 17#44
well im with halifax and they are faultless..rang for loads issues everytime fixed no questions and fixed within the hour most times
sam1970
25 Jan 17#42
Nothing beats a dedicated policy for what you need covered. These extras on home insurance policy are not worth the paper it is written on. I remember in 2010 getting stuck in Paris with the family (The volcanic ash problem). My carrier, Air France, refused to reimburse me for any of my costs after being stuck in Paris for a week after the end of my holiday. I was not worried as I had a legal cover on my home insurance policy (Cost £25 extra). I was wrong. The legal firm used by the insurer refused to take the case due to amount of work required for a small sum of money (around £2000) and instead they asked me to deal with the legal firm directly at a cost of £300 per hour. Obviously I refused, chased air France with the help of Air Transport users Council (free service) and the french aviation authority. It took nearl a year but eventually I got all my money back + refund of unused tickets (Came back via eurostar)+ compensation for my time. From that day I will never pay for this crap called legal protection
Pete525 to sam1970
26 Jan 17#51
You can't conflate your one bad experience with a blanket statement all policies are worthless. And this is home emergency, not legal expense insurance. But as with any policy, whether you were treated correctly depends on the scope of cover. Most LEI excludes low value claims (under £200 in my policy). But yours was £2000 so there must have been deeper reasons they rejected cover, and I note you fear them suing you if you named them, which is an odd fear if you have nothing unfactual to state. I think I've seen policies say they can decline claims if uneconomic/costs very disproportionate to likely damages. And all insurance has various exclusions, which can catch anyone out. But if your claim had a reasonable prospect of success, and was otherwise within scope, your solicitors wouldn't have been able to refuse. You could have complained. LEI like home emergency cover is a no-brainer. £2/300 ph for a solicitor covering up to £50,000 or in some cases 100,000 legal costs is the hottest deal you'll find. The down side is the panel firms can treat claims as a factory churning them through overworked staff, so you have to know how to manage them, which is a similar point to the one I made in my earlier post and similar to post 45.
Newbold
25 Jan 17#43
Would that have been DAS by any chance?
Newbold
25 Jan 17#45
These policies are great - and good value - up to a point. They're rarely operated by the company you're insuring with, though, and they're frequently awful companies to deal with, sending out equally awful (and cheap to them, of course, for a very good reason) subcontractors to 'deal with' the emergency.
With Halifax, for example, it's Inter Partner Assistance SA:
"The insurance provided in respect of Home emergency cover in this section has been arranged by Halifax General Insurance services Limited and is underwritten by Inter Partner Assistance S.A"
If you're good at getting what you want done, and assertive, you can often get things sorted out. If you're not, you may struggle. It depends very much on how minor the job is - a leaking tap is one thing, but never, ever let these people anywhere near your boiler, or your roof! I say that with some (bad) experience. Let the professionals handle the important things and keep the cowboys away from them.
sam1970
25 Jan 17#46
Honestly I am not sure as I change insurer every year (Look for best quote) but I think it was either Esure or More than (They have the same parent company anyway)
Newbold
25 Jan 17#47
I meant the legal protection firm, rather than the insurer. Most of them tend to use DAS because it's cheap for them - but it has a pretty dire reputation when it comes to dealing with claims.
MisterMadHatter
25 Jan 17#48
Usually the Home Emergency is an add-on product and is therefore a separate policy to the B&C policy. However, some insurers might include Home Emergency as part of the Buildings and Contents policy. In which case the current or future insurer may consider the claim at renewal, since you're claiming against the B&C policy. Always check with the insurer but in most cases it's separate.
sam1970
25 Jan 17#49
No..it was a big national firm. I would rather not mention their name just in case they read this and find a reason to sue me
amz84uk
25 Jan 17#50
What does their name rhyme as? ;-) It'll help other users here to be cautious when taking out a new policy.
bobthewibble
16 Feb 17#52
We made the switch from the British Gas Cover to one of these last year and when our boiler developed a leak they've been good as gold covering the problem and it's only just within the £1000 limit I'd guess. You do need to still get the boiler regularly serviced to be covered and read the policies carefully, some don't cover boilers older than 15 years. But at £40 a year compared to £300 it's definitely a good deal if you're prepared to be assertive as Newbold says.
There's no excess either, but it does have to be an emergency. The big difference is nothing is covered until it actually breaks. A noisy pump would have got covered under BG, it's not now for example.
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Opening post
i was paying £25 pm with home serve for boiler cover .i was sick of paying so much so i rang my bank to see what they can do and i couldn't belive it when they said i can have cover for emergencies like heating and electricity and plumbing and lots more,ive even had two wasp nets removed for £4.31 per month.
each call out is covered up to £1000 which is going to fix 99% off problems.
u have to be an existing home insurance customer or new and this is an add on .
does no include a boiler service.
recently used this service with a leak in my toilet .they was at my house within 30 mins and fixed quickly. brilliant service
ive included tsb link as they seem to do it but i would check your bank rather than paying someone else alot more money
https://www.halifax.co.uk/insurance/home-insurance/home-emergency/#
Extra help in a home emergency.
Home Emergency Cover can help protect you against the cost of emergency repairs which wouldn't normally be covered by your home insurance, it can help give you peace of mind for emergencies that:
Make your home unsafe or insecure for you and your family
Cause damage to your home and its contents or
Result in your home losing its main source of heating, lighting or water.
If the safety of your home is at risk and you need help fast, you’ll have access to a 24 hour home emergency helpline . A skilled and reliable tradesperson will come to your home to carry out the necessary repairs up to a value of £1,000 per emergency for:
Total failure of electricity supply within your home
Repairs necessary to external doors, external windows and external locks to make your home safe or secure
Loss of heating or hot water due to failure or breakdown of main heating system
Repairs to make the roof of your home
TSB CUSTOMERS
http://www.tsb.co.uk/home-insurance/home-emergency-insurance/#
some home insurance companys have this as a free add
http://www.sheilaswheels.com/home-insurance free for first year £500 cover per call out
also esure offer the same for free add on
http://www.esure.com/home-insurance
Top comments
All comments (52)
No excess, unlimited callouts and does not affect no claims.
Used 3 times for a gas leak, boiler and blocked drain. Local engineers arrived within 2 hours each time.
Heat
Mines making funny sounds again.... (I've ordered the Tesco 2kW radiator as back up though!:man: )
i rang and said im worried my house will flood
They said the cover is to make safe not repair. So dont use the bath and it will be safe.
Its home emergency cover so only for stuff that are an imediate emergency like, no heating, no power, leaks, no toilet etc.
Just checked my HSBC Home cover - link to Policy booklet - and it looks like I'm covered there.
"What is covered? You are covered for the failure of your gas boiler and/or central heating system. Work will be done by a Gas Safe registered engineer who will repair or replace the relevant part(s). Examples of what we will cover: No hot water, No heating, Draining down and isolation of a leaking water tank, radiators or water cylinders or both."
this deal saves money :wink:
but more have been added on
However, it doesn't cover wear & tear. They said that if the boiler breaks down in the winter, they'll come out and get me in warmth with hot water, but if it requires a part, I would have to pay for it due to wear & tear (i.e. labour is free). This would not be applicable in the summer though, which is strange as hot water is still required in the summer.
I'll stay with a proper Boiler cover service, as don't want to be paying premiums only to be told that I'm not covered if/when I claim.
There is no hot deal here, just some general advice to check whether one's household insurance covers everyday risks, and if it does to claim against the policy.
Ho hum.
singular is tap
plural is taps
singular is tape
plural is tapes
tap is a thing water comes out of, tape is something you stick parcels with or measure your room.
Its complety seperate to buildings & contents policy.
For the rest im not sure but wouldnt think so.
I called British Gas, and the plumber came out (Dyno) to fix it within 48 hours. I kept the MoreThan claim going just to see if they do send anyone out, but they refused to repair the leaking pipe due to it being "wear and tear" (exclusions on their policy, and a grey area), and they said I was not covered for the damage caused either.
Seemed like a pointless policy to have. Needless to say, I did not renew with them.
With Halifax, for example, it's Inter Partner Assistance SA:
"The insurance provided in respect of Home emergency cover in this section has been arranged by Halifax General Insurance services Limited and is underwritten by Inter Partner Assistance S.A"
If you're good at getting what you want done, and assertive, you can often get things sorted out. If you're not, you may struggle. It depends very much on how minor the job is - a leaking tap is one thing, but never, ever let these people anywhere near your boiler, or your roof! I say that with some (bad) experience. Let the professionals handle the important things and keep the cowboys away from them.
There's no excess either, but it does have to be an emergency. The big difference is nothing is covered until it actually breaks. A noisy pump would have got covered under BG, it's not now for example.