Most people have breakdown cover for their car, now this cover is available for your home.  Think of the peace of mind that comes from knowing you can access rapid, expert help whenever an emergency affects your home.

Home Emergency covers everything from internal and external plumbing and drains, electrics and central heating, right the way through to vandalism, break-ins and even lost keys.

As an example you will be covered for up to £300 towards the cost of a call out or labour and towards the cost of any parts and materials used for each and every emergency and there is no limit to the number of call outs each year.

These are the five main areas that are worth buying home emergency cover for:

• Central Heating
• Plumbing and Drainage
• Security
• Lost Keys
• Electrical Failure

Home Emergency cover is a comprehensive extension of the cover offered by your household insurance. While your household insurance will usually cover damage to carpets, furniture etc. it almost certainly won’t cover the cost of emergency repairs or finding a reliable tradesman.

Insurers will usually offer cover to any domestic householder or landlords, for less than £80.00 per year per property. That is a good ‘one price covers all’ offer. Commercial premises and mobile homes are not eligible for this type of cover.

Claims are made easily by telephoning the emergency helpline number on your policy schedule. You will be advised how to protect yourself and the property immediately. Payment of the call out charges, labour, parts and materials to carry out an emergency repair, or if at a similar expense, a permanent repair are organized for you. In the event of the property becoming uninhabitable and remaining so overnight, your overnight accommodation and/or transport to such accommodation to a preset limit will be arranged.

If you do consider home emergency cover you want to be sure that tradesmen will come out at any time, so select a provider with a  24 hour, 365 day Home Emergency Helpline.

Whenever you have a domestic emergency – at night, during the weekend or on a Bank Holiday you want to be sure of immediate help.

How does the House Insurance Emergency Breakdown Cover work ?

Once you have either purchased the House Insurance Emergency Breakdown Cover product through a web site or over the phone, you will receive through the post your policy documents through the post within a few days.

Your policy documents will contain :

• your welcome letter
• schedule of cover, detailing your membership number and the call centre helpline number
• policy wording
• summary of cover
• key facts

If you have paid by direct debit, you will also receive a confirmation letter stating your direct debit has been set up with the payment amount and when payments will be taken.

We suggest that you make a note of the helpline number immediately and place this in your purse or wallet for future reference.

Should an emergency occur, you just call the call centre on the helpline number provided.

You will be asked for your postcode and house number, so that they can confirm that cover is in place and they will ask you for details of the emergency.

A relevant contractor will be deployed to attend you home and deal with the emergency. The contractor should usually attend within 3 hours of your call (in normal circumstances).

Hopefully, your emergency can be rectified by the contractor immediately, however in some circumstances parts may need to be ordered. This will be done by the contractor and they will contact you to arrange a convenient time to come back and install the parts.

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