Home Emergency Insurance Cover - 24/7 - 365 Days

Protection plans for heating, boiler and much more.
Avoid expensive repair costs with our 5 Star Rated home emergency cover.
Rapid Emergency Response, UK Customer Service & Nationwide Engineers.

What is home emergency cover?

Home Emergency Cover provides peace of mind that covers your home against unexpected incidents such as plumbing leaks, boiler breakdowns, loss of keys, and complete failure of electrical supply.

Plumbing and drainage cover

Plumbing and drainage cover

We cover water leakage, flooding and water damage due to an unexpected failure of the internal plumbing of your home. We will also assist you to stop an emergency that has arisen from the failure of your drainage system.

Boiler Breakdown cover

Boiler Breakdown cover

If your boiler breaks down, we will send an engineer to your property to carry out a repair. We also cover the labour, parts and materials involved in rectifying the breakdown of your boiler.

Central heating system

Central heating system

Our central heating cover protects you against the cost of emergency repairs to your central heating system. Get insured with home emergency cover from Smart Cover's 5 Star Rated insurance services.

Gas supply pipe

Gas supply pipe

We cover leaks as a result of damage to the internal gas supply pipe of your home. Our assistance will be provided once the National Gas Emergency Service have attended and isolated the leak. To report a gas or carbon monoxide emergency, Call the free National Gas Emergency helpline on: 0800 111 999.

Price Match Promise

If you can find the same cover level at a lower price elsewhere we will match it up to 14 days after your purchase date. Just let us know the insurance provider, the cover level and price. Once verified we will refund the difference. Please email the following address with the details to enquiries@smart-cover.co.uk.

Home EmergencyHome Emergency

Boiler Insurance

A boiler is an important part of any home. An unexpected boiler breakdown can result in very costly repairs.

Central Heating

Our cover includes breakdown of central heating system and its associated pipework.

Lost Keys

Lost your House keys? Our insurance policy gives assistance in gaining access to your property and protecting your home.

Drains and Waste Pipes

Our plumbing & drainage insurance covers a wide range of problems including broken pipes, water supply and blocked drains.

Electrical

Our insurance policies cover total emergency breakdown of your electricity supply.

BASIC
STANDARD
ESSENTIAL
PREMIUM
BASIC
STANDARD
PREMIUM
Excess
£0
£25
£0
£25
£39
£0
£25
£50
£0
£25
£50
Annual claim limit up to
£1000
£1000
£2500
£5000
Plumbing
Electrical
External Locks
Doors & Windows
Blocked pipes
Pests
Lost Keys
Central Heating Cover
Boiler Breakdown
Alternative Accommodation
Boiler Service
Switch to Annually
0.00
0.00
month
0.00
0.00
month
0.00
0.00
month
0.00
0.00
month
What is Covered
What is Not Covered
  • We Cover Emergencies Related To Plumbing, Drainage, Electricity, Security, Boiler And Central Heating.
  • Benefits Vary Based On Cover Levels, Please Refer To The Comparison Chart Above.
  • General Maintenance Work.
  • Any Event Which Is Not An Emergency.
  • Any Leak Which Does Not Cause Damage To The Property.
  • A Central Heating Boiler Which Has Not Been Serviced Within The 12 Months Prior To The Breakdown.

Read Terms and Condition & IPIDs

HE Basic T&C
HE Standard T&C
HE Essential T&C
HE Premium T&C
Boiler Service T&C
HE Basic IPID
HE Standard IPID
HE Essential IPID
HE Premium IPID
Frequently asked questions

Any question left?

Frequently asked questions

Frequenlty asked questions when you buy home emergency insurance

What is home emergency insurance cover?

The Home Emergency insurance policy covers unexpected events such as leaks, boiler breakdowns, key loss, and sudden loss of electrical or gas supply. If you choose to add it on to your home insurance package or take it as a standalone policy, you’ll receive assistance from a range of trades who will provide emergency repairs to make your property safe or prevent further damage as soon as possible.

What is excluded from home emergency cover?

This type of cover does not cover accidents and general breakages of assets - for this, look at Content Cover. Also, Home Emergency does not include damage caused by general wear and tear, for example a boiler that has broken down due to it not being serviced or problems that have occurred simply due to the age of the product. If there is a leak that doesn’t cause damage to the property, it’s not an emergency and is excluded from the cover.

What do I get with home emergency cover?

Home Emergency covers unexpected breakdowns to your boiler and central heating system, electrical breakdowns, blocked pipes, external locks, doors and windows, pest infestations and lost keys. Our prices are flexible so you can choose the aspects most important to you and adapt the cover to suit, ranging from Basic to our Premium cover. The higher the grade, the higher the annual claim limit will be and, from our standard cover upwards, you will also be eligible for alternative accommodation should your home become uninhabitable following a household emergency.

What is classed as an emergency?

An emergency is a sudden and unexpected incident that impacts on your ability to go about your day to day life as normal. It is an issue that needs resolving urgently. If you were to lose your keys and couldn’t get into your own house, for example, you’d need to sort that out right away; if there was a sudden leak, you’d need to patch things up as soon as possible to avoid flooding and further problems that could make your home uninhabitable.

Will home emergency cover include my boiler?

With our Home Emergency cover, one of our trusted engineers will be dispatched to fix your boiler if it breaks down unexpectedly, provided it is serviced annually. Boiler servicing means maintaining your boiler and is a highly advisable add on. We recommend adding boiler service because if you’re not having your boiler serviced each year, there’s more chance of a breakdown due to wear and tear - which won’t be classed as an emergency and won’t be covered by us.

Is there a limit to the number of claims I can make?

There is no limit on the number of claims you can make but there are limits on the total claims value each year. With the Basic package you can claim up to £1,000 a year with each individual claim holding a maximum claim limit of £250. Standard is the same. With essential the claim limit goes up to £2,500 a year with individual claim limits at £500 per claim. Finally, the Premium package offers an annual claim limit of £5,000 with individual limits at £1,000 per claim.

What can arise for a home owner who does not have home emergency insurance

Home Emergency Cover is good for the head and the home. In an emergency situation you want peace of mind that there’s helpful assistance on hand at all times. But it’s not all about peace of mind; if you don’t have cover, calling someone out to come and resolve your problem at such short notice, be it a heating engineer, a locksmith or a plumber, for example, can result in them charging enhanced rates and call out fees. This cover protects you and your home in those heart-stopping moments, meaning you can worry less.