Home Emergency cover

Emergency cover for your plumbing, electrics and boiler

Free 24hr helpline

Speak to someone who can help when you need it most

No excess to pay

One less thing to worry about in an emergency

Unlimited claims

Claim on your policy as often as you need

What’s Home Emergency cover?

Home emergency cover is a home insurance add-on that protects you against unexpected incidents that need immediate attention, like broken boilers, pipes or radiators.

It covers the cost for a tradesperson to resolve the emergency after you've had your policy for seven days. It doesn’t cover general repairs, the cost of any damage caused, or the cost of permanently fixing the issue; your home insurance typically covers this.

If you rent your home, your landlord may already have this cover.

What’s covered with Home Emergency cover?

Compare the two types of cover below:

Boiler Emergency
Cover

Home Emergency Cover

Boiler and heating system

Alternative accommodation

Temporary heating

24-hour emergency helpline

Up to £500 cover

Claims per year

Two

Unlimited

Included in policy

Admiral Gold Admiral Platinum

Upgradable

Drainage

Electrics

Roofing

Pests

Windows, doors and locks

Plumbing

How do I upgrade to Home Emergency cover?

New customers can add it as a policy upgrade when buying an Admiral or Admiral Gold policy.

You can add Home Emergency cover to your existing policy at any time by contacting us.

What home emergencies do we cover?

Home Emergency cover provides up to £500 for call-out charges, labour and parts to repair home emergencies such as:

Roof damage

We’ll cover roof damage due to storms or bad weather. We won’t cover damage due to poor roof maintenance or wear and tear.

Boiler and central heating

We’ll cover you if your boiler or central heating undergoes total failure because of an emergency in your home which results in no heating or running hot water.

We’ll give you up to £50 to buy a heater (yours to keep) if we can’t repair your boiler or heating system, or a part needs ordering after our first visit.

If your boiler is under warranty, it’s usually better to contact the manufacturer for any repairs.

Plumbing

We’ll help with emergencies relating to the hot and cold-water pipes in your home, between the main stopcock and the taps. This includes leaks, burst pipes, blocked sinks, malfunctioning toilets and drains.

Home Emergency cover doesn’t cover finding the source of a water leak (trace and access). Check if your home insurance covers this.

Pests

We’ll get rid of home infestations involving rats, mice, wasps and hornets.

Electrics

We’ll cover for when your home isn't habitable due to complete electrical failure. This doesn’t include issues like power cuts or National Grid failures.

Windows, doors and locks

If your home isn’t secure because of a smashed window or damage to locks, we’ll help solve the immediate security risk.

Alternative accommodation

We’ll pay up to £250 towards the cost of alternative accommodation if your home isn’t fit to stay in for one or more nights. This includes transport to and from the accommodation.

Gas pipes

If there’s a leak from the gas supply pipe between your meter and a gas appliance, we’ll repair or replace the section of pipe.

However, this is only if the National Gas Emergency Service have isolated and found the leak.

What isn’t covered?

While we aim to help you fix any home emergencies, here are some of our general exclusions:

Problems that aren’t a total failure

You can’t claim on Home Emergency cover if there isn’t a ‘total failure’, meaning there’s a fault that causes a continuous or complete loss of service. For example, having no hot water is an emergency, while low water pressure isn’t.

Any work needed after immediate repair

Home Emergency cover will cover the cost (up to £500) to stop the immediate risk to your home. It won’t cover the cost of any damage caused by the risk, such as water-damaged floors. Your home insurance might cover you for this, though.

Emergencies reported after 48 hours of discovery

We need to know about the emergency within two days of you discovering it for a claim to be valid.

Unoccupied properties

We don’t cover home emergencies in properties that are unoccupied for more than 30 days in a row.

This isn’t an exhaustive list – read more about our Home Emergency and Boiler Emergency cover in our policy books.

How to make a claim

Contact our 24-hour emergency helpline on 0345 609 4375 within 48 hours.

Please have:

  • information about the problem
  • your name
  • postcode
  • policy number
  • your boiler’s make, model, serial and Gas Council number

If you think you have a gas leak, call the National Gas Emergency Service on 0800 111 999.

Your questions answered

What’s the difference between Boiler Emergency cover and Home Emergency cover?

Boiler Emergency cover pays up to £500 for any heating or boiler emergency. You won't pay any excess and can make two claims every policy term. Home Emergency cover has everything that Boiler Emergency cover includes plus extra cover for plumbing, drainage and a range of potential home disasters with no excess and unlimited claims.

If I make a boiler or home emergency claim, will this affect my premium?

No, boiler and home emergency claims don’t affect your premium.

My boiler is beyond economic repair, will you make a contribution to its replacement?

Boiler and Home Emergency provide temporary repairs only - we won't cover replacing your boiler or any contribution towards replacing it.

What happens if the cost of a repair is more than £500?

If your emergency repair costs more, you’ll need to pay any amount over £500.

Can I contact my own tradesperson?

Only if we’ve agreed to it beforehand.

Do you need help with a home emergency?

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