Ever thought about what you'd do if your boiler breaks down, the power goes off, or one of your pipes springs a leak? In any of these cases, you'll need help — and fast. And that's where home emergency cover comes in.
Home emergency cover offers protection for unexpected household emergencies. The level of cover will vary between providers but in most cases, you'll be protected from:
In the event of an emergency, you'll need to ring the helpline provided by your insurer, who will send out an approved tradesperson to fix any issue that needs immediate attention.
If you want to use a certain tradesperson to carry out the work, double check that your insurer has approved them, otherwise you might not be covered.
Home insurance policies cover costs incurred as a result of fire, flood or theft to your home, but they won't generally cover emergency situations.
Some home insurance policies include emergency cover as a standard feature, but in most cases it'll need to be bought as an extra. In fact, home emergency cover is one of the most popular extras homeowners add to their insurance policies.
Home emergency cover is only suited to homeowners. If you rent your home then you don't need to worry, as it's your landlord's responsibility to arrange home insurance, as well as emergency cover.
If you're a homeowner and have buildings and contents insurance, make sure you read through the policy documents so you know what you're already covered for. You don't want to end up paying for the same cover twice.
Our home emergency cover is available as an optional extra with our home insurance policies or as standard with Hastings premier. You'll be covered in the event of a sudden and unforeseen incident at your home which immediately:
Specific features and benefits of our home emergency cover include:
With our home emergency cover, you'll receive timely assistance through a dedicated helpline. We'll pay up to £750 per claim, including parts, labour, material and VAT to carry out an emergency repair. If your home becomes uninhabitable as a result of the emergency, we'll also pay up to £100.
What's not covered?
Making a claim
If you need to make a claim, please call us on 0330 400 1614 (if your insurer is Mapfre) or 0800 633 5088 (if your insurer is AXA). You'll be asked to describe the emergency, then we'll arrange for a contractor to visit your home and carry out the necessary repairs.