Home emergency bad weather

What is covered

• Up to £500 for call out, labour and parts in the event of an emergency at your home which, if not dealt with quickly, will:
  • make your home unsafe or insecure;
  • cause loss or damage to your home and its contents; or
  • leave your home with a total loss of heating, lighting or water.
• If you need to move to alternative accommodation because your property is flooded, the cost is normally covered under your insurance policy, but please check this when speaking to the Claims team.
• Up to £250 for one night's necessary alternative accommodation if the property becomes uninhabitable overnight as a result of an insured emergency.

Summary of exclusions and limits

We will not pay for the following:

• Roof damage or repairs.
• Any boiler which has not been installed, maintained or repaired in line with the manufacturer's instructions.
• Boilers with an output over 70kw.
• Underfloor heating, solar heating systems or warm-air systems.
• Oil-fired or solid fuel systems.
• Cover for plumbing, drainage or heating after your home has been unoccupied for more than 60 days in a row.
• Any loss or damage which occurs during the first 14 days following the start of your Home Emergency cover.
• Any work, including power flushing, due to water scale deposits or sludge caused by corrosion.
• Any household appliances such as, but not limited to, washing machines or dishwashers.

Do I have emergency plumber cover in my policy?
This comes as standard with our Direct Line Home Plus insurance. It can also be added on as an optional extra with our Home Insurance at an additional cost. Emergency plumber cover is part of our Home Emergency add on.

What's an uncontrollable water leak?
An uncontrollable water leak is a leak from your internal plumbing and drainage that you cannot stop and which causes continuous damage to your home.

What's a home emergency?
A home emergency is an incident in the home which, if not dealt with quickly, will do at least one of the following:

• Make the home unsafe or insecure for its occupants
• Cause damage to the home and its contents
• Leave the home without its primary source of heating, lighting or water

Do I have to pay an excess for an emergency plumber?
No, there is no excess for a Home Emergency claim

What's the cover limit for an emergency plumber call-out?
We will pay up to £500 (including VAT) for each emergency assistance call-out to cover the cost of the call-out, labour at the customer's home, and parts to fix the leak.