saves £100s by checking your bank for home emergency cover - electric plus more £4.31 PM or free depending  on insurance
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saves £100s by checking your bank for home emergency cover - electric plus more £4.31 PM or free depending on insurance

52
Found 22nd JanMade hot 23rd Jan
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

halifax.co.uk/ins…cy/

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

tsb.co.uk/hom…ce/

some home insurance companys have this as a free add

sheilaswheels.com/hom…nce free for first year £500 cover per call out

also esure offer the same for free add on

esure.com/hom…nce

52 Comments

nice

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

Wish boiler service was included.

Mines making funny sounds again.... (I've ordered the Tesco 2kW radiator as back up though!:{ )

Heat added

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.

Crapweasel

Each call out is £1000, even if the issue is cheap to fix? Sounds … 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.


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

Sheilas Wheels and Esure have this as a free add on , used a few times over the years

Original Poster

I've changed it in title

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?

Original Poster

afnoor

so if my mixer bath tap needs changing and I'm with NATWEST and I've got … 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?



​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

i rang and said im worried my house will flood

More of a heads up than a deal.

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.

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?

tilyymolly

I had the Halifax cover. The bath was leaking. They came out and said if … 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.


Thats true.

Its home emergency cover so only for stuff that are an imediate emergency like, no heating, no power, leaks, no toilet etc.

Original Poster

Matty8787

Pretty cool information, just found I get this included with my reward … 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?



​rewards only cover you for £200

Supermod

Nice one - thanks!

Does Sheila's wheels home emergency cover dripping tapes?

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

Does Sheila's wheels home emergency cover dripping tapes?


depends which tape it is, if it is sellotape falling off the table, they wont cover you.(_;)

Edited by: "haggisheid" 23rd Jan

haggisheid

depends which tape it is, if it is sellotape falling off the table, they … depends which tape it is, if it is sellotape falling off the table, they wont cover you.(_;)


Haha very funny!! Not dripping tapes are not covered where water is safely esccaping down a drain. Sounds like the great escape here!

ashmac

​correct but there has to be an issue..like my toilet flush seal went m … ​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 :Di rang and said im worried my house will flood


Thank you just in time as I think my bath mixer tap will need replacing...

That sounds like 'normal' wear+tear, I doubt insurance (any) would cover this?

afnoor

Thank you just in time as I think my bath mixer tap will need replacing...


Perfect my radiators need bleeding

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.

Original Poster

othen

I'm trying to work out why this is posted as a hot deal - there doesn't … 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.



​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

callum84

Thats true.Its home emergency cover so only for stuff that are an … Thats true.Its home emergency cover so only for stuff that are an imediate emergency like, no heating, no power, leaks, no toilet etc.



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.
Edited by: "Pete525" 23rd Jan

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

Do Nationwide have this included on their plus account?

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.
Edited by: "MisterMadHatter" 23rd Jan

Billythebubble

Does Sheila's wheels home emergency cover dripping tapes?


Hardly an emergency is it!

ashmac

​of your paying £500 cover a year as i was , then end up paying £50 per y … ​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


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.

tazmaniac786

Do Nationwide have this included on their plus account?


No

Original Poster

othen

So, which company is the deal with, what does it cost &c? I think you … 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.



​halifax its in the title X)

but more have been added on

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.

ashmac

​halifax its in the title X)but more have been added on


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.

people who think their getting this free are naive - your premium is more to include it

Billythebubble

Haha very funny!! Not dripping tapes are not covered where water is … Haha very funny!! Not dripping tapes are not covered where water is safely esccaping down a drain. Sounds like the great escape here!



​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.

Banned

MisterMadHatter

It's always good to include Home Emergency cover in your home insurance. … 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.


Does the call out for home emergencies affect the No Claim Discount?

happydeals

Does the call out for home emergencies affect the No Claim Discount?


With Aviva no it does not.
Its complety seperate to buildings & contents policy.

For the rest im not sure but wouldnt think so.

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
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