Electrical Emergency Cover

An electrical emergency is usually a sudden electrical fault that needs urgent attention because it affects the safety or essential use of your home. Examples may include a serious internal electrical breakdown, a sudden loss of electricity supply within the home, or a fault that makes part of the property unsafe to use.

Issues such as routine maintenance, planned electrical work, appliance replacement or non-urgent faults may not be covered. The exact definition depends on your policy wording.

Internal electricals cover is included from the Smart Home plan (£10.90 a month) and the Smart Home Plus plan (£12.90 a month). The Smart Boiler and Smart Heating plans focus on your boiler and heating and don't include electrical cover.

Check the comparison table to see exactly what each plan includes before choosing.

Some home emergency plans can include electricity, but it depends on the plan you choose. Wider plans may include internal electricals alongside boiler breakdown, central heating, plumbing and drainage; more basic plans may focus on other systems.

Before choosing, check whether electrical breakdown cover is included, what types of electrical emergencies are covered, and what exclusions apply.

Smart Cover's electrical emergency cover options include an unlimited annual claim limit, with a per-claim limit of £500 on Essential cover or £1,000 on Premium cover. This means the number of claims may not be capped in the same way as the value of each approved claim.

Each claim is still assessed against your chosen plan, excess, policy terms, conditions, limits and exclusions, so check your policy documents so you understand how the limits apply.

You may not need a separate policy if electrical faults are already included within your home emergency cover. Some broader plans include internal electricals as part of a wider package with boiler, heating, plumbing and drainage support.

Check your existing home insurance and home emergency documents first, so you avoid overlap and understand whether electrical emergencies are already covered. If your current policy doesn't include electrical cover, you may need a plan that does.

The cost varies by provider, cover level, excess and whether it's included within a wider home emergency plan. Plans covering only limited areas may cost less than wider policies that include boiler, heating, plumbing, drainage and internal electricals.

With Smart Cover, plans including internal electricals start from £10.90 a month. Rather than looking at price alone, compare what's included, the per-claim limit, exclusions and how claims are handled.

The best electrical emergency cover depends on your home, your budget and the level of support you want. When comparing options, look at what's included, such as internal electricals, access to an emergency electrician, claim limits and excess options, and whether the cover forms part of a wider home emergency plan.

No single policy is right for every homeowner. The most suitable option is the one that matches your needs and clearly explains its terms, limits and exclusions.