What’s Home Emergency cover?
Home emergency cover is an optional extra you can add to your policy. It helps cover you for urgent problems in your home that need sorting straight away.
These include things like:
- broken boilers
- leaking pipes
- blocked drains
It covers the cost to call out a tradesperson, so they can temporarily fix the problem.
It doesn't cover:
- general repairs
- the cost of any damage caused
- the cost of permanently fixing the issue
Your home insurance typically covers this.
If you rent your home, your landlord might already have this cover.
We offer two types of Home Emergency cover:
- Home Emergency cover
- Home Emergency Extra cover
Home Emergency Extra cover
Home Emergency Extra cover is the highest level of cover we offer with additional protection for you and your home. As well as everything Home Emergency covers, it also includes:
£1,000 for emergencies
Cover up to £1,000 for home emergencies, for that extra piece of mind.
Extra protection for your home
Cover for issues with gas pipes, roofing and pest infestations.
£250 towards replacements
If the cost of repairing your faulty boiler is more than the cost of replacing it, we’ll pay £250 towards the replacement.
What’s covered?
Compare the two types of cover below:
Home Emergency cover |
Home Emergency Extra Cover |
|
|---|---|---|
Claims per year |
Unlimited |
Unlimited |
Claims limit |
£500 |
£1000 |
Included in policy |
Admiral Gold | Admiral Platinum |
24-hour emergency helpline |
||
Boiler and heating system |
||
Alternative accommodation |
||
Temporary heating |
||
Plumbing |
||
Drainage |
||
Windows, doors and locks |
||
Electrics |
||
Roofing |
||
Internal gas pipes |
||
Pests |
||
Beyond economic repair contribution |
How do I upgrade to Home Emergency cover?
If you’re looking to insure your home with us, you can add Home Emergency to your policy. Get in touch with us to add Home Emergency cover to your policy.
How do I upgrade to Home Emergency Extra Cover?
If you’re looking to insure your home with us, you can add Home Emergency Extra cover to your policy.
Get in touch with us to add Home Emergency Extra cover to your policy. You can add it upon renewal or during your policy year – it's up to you!
What home emergencies do we cover?
We cover costs for call-out charges, labour and parts to temporarily fix home emergencies.
Here's what this add-on covers.
Boiler and central heating
We’ll cover you if your boiler or central heating stops working and leaves you without heating or running hot water.
We’ll give you up to £50 to buy a heater (yours to keep) if we can’t fix your boiler or heating system, or we need to wait for a new part.
Electrics
We’ll cover you for an electrical fault. This doesn’t include issues like if the power keeps going on and off, faulty appliances, power cuts or National Grid outages.
Plumbing
We'll help with emergencies relating to the water pipes in your home, between the main stopcock and the taps. This includes leaks, burst pipes, blocked sinks 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.
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 until the damage can be fully repaired.
Alternative accommodation
We’ll pay up to £250 per night towards the cost of alternative accommodation and transport if your home is unsafe to stay at for one or more nights.
The following are only covered on Home Emergency Extra
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.
Roof damage
We’ll cover a temporary repair of roof damage due to storms or bad weather. We won’t cover damage due to poor roof maintenance or wear and tear.
Pests
We’ll get rid of home infestations involving rats, mice, wasps, hornets, grey squirrels and cockroaches.
Beyond economic repair contribution
Beyond economic repair’ means that the cost of repairing your boiler is more than the boiler is worth – which means it will need to be replaced.
In that case, we’ll pay you £250 towards replacing it.
What isn’t covered?
We’ll aim to help you fix your home emergencies, but there are some things we don’t cover:
Any work needed after immediate repair
Home Emergency cover will cover the cost up to £500 (and up to £1,000 if you have Home Emergency Extra cover) if we can’t 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.
Claims for emergencies reported after 4 days of finding them
If you want to make a claim, you need to let us know about the emergency within four days of noticing the problem.
Unoccupied properties
We don’t cover home emergencies in properties that are unoccupied for more than 60 days in a row.
Temporarily frozen pipes
We don't cover temporarily frozen pipes.
However, your main Buildings Insurance may cover for frost damage to plumbing, so contact your provider if that happens.
This isn't an exhaustive list – read more about our Home Emergency and Home Emergency Extra cover in our policy books.
How to make a claim
If you have Home Emergency, or Home Emergency Extra cover and want to make a claim, please visit our make a claim page for our contact details.
Alternatively, it's quick and convenient to register your claim online. Simply log into MyAccount and click the link in the 'Emergency Assistance' section.
If you think you have a gas leak, call the National Gas Emergency Service on 0800 111 999.
Award-winning cover
Admiral Home Emergency Extra Cover has achieved Defaqto's highest 5 Star Rating
Your questions answered
What’s the difference between Home Emergency cover and Home Emergency Extra cover?
Home Emergency Extra covers everything included with Home Emergency cover, plus some extras like:
- emergency roof repairs
- pest infestations
- payment towards a replacement boiler if it costs more to repair than to replace
Home Emergency Extra also covers you up to £1,000 for each emergency, while Home Emergency cover is up to £500.
If I make a boiler or home emergency claim, will this affect my premium?
No, home emergency claims don't affect the price of your cover, and there's no excess to pay.
My boiler is beyond economic repair, will you make a contribution towards its replacement?
Home Emergency cover provides temporary repairs only – it doesn’t cover replacing your boiler or any contribution towards replacing it.
But if you have Home Emergency Extra cover, we can offer you £250 towards getting a replacement for your boiler.
What happens if the cost of a repair is more than my claims limit?
If you have Home Emergency cover and the cost of your emergency repair is more than £500, you’ll need to pay any amount over that.
If you have Home Emergency Extra cover and the cost of your emergency repair is more than £1,000, you’ll need to pay any amount over that.
