Home Emergency Insurance

Protect your home against emergency's for as little as £2.72 per month.

Claim up to 3 times per year

We sort out your claims - fast and efficiently.

Choose excess ranging from £0 to £95

Flexible to suit you.

Choose your Cover from £500 or £1000

Affordable premiums.

Get quick quote

Home Emergency Insurance

Protect your home against emergency's for as little as £2.75 per month.

Claim up to 3 times per year

We sort out your claims - fast and efficiently.

Choose excess ranging from £0 to £95

Affordable and flexible.

Choose your Cover from £500 or £1000

Affordable premiums.

Get quick quote

Instant quote

A small leak, or electrical fault can quickly turn into an massive disaster. Insure against these unforeseen emergencies with our Home Emergency Insurance.

What you need to know

We won’t hide this in the T&Cs – we want to make sure you know exactly what you’re covered for.

For more details, here are some key documents:

Sample policy wording

Sample insurance product information document

Key facts

You are covered for:

Plumbing & Drainage

Primary Heating System

Electrical Emergency

Roofing

Pest Infestation

Overnight Accommodation

Security and Lost Keys

Access to discounts and rewards

You also get fantastic online deals year-round to save you hundreds of pounds from various industries.

Fashion

The combined action of a group of people, especially when effective and efficient.

Food & Drink

The combined action of a group of people, especially when effective and efficient.

Health & Wellness

Discounts to keep you looking and feeling great! Both mentally and physically.

Home Décor

Savings on home furnishings big and small to keep every room looking great.

Fashion

Discounts on trips abroad and the extras to get you there, plus, activities closer to home.

Savings

You can even nominate your favourite stores to offer discounts on the platform.

Call me

Our friendly call center agent will be giving you a call, to share an exclusive offer for you.

Testimonials

See what some of our loyal customers have to say about our company. We take great pride in ensuring the highest standards of customer satisfaction.

Claire F.

Such an easy buying experience.

Lucy T.

Great service and answered all my questions.

Tom C.

This is how buying insurance should be.

Frequently asked questions

Pipework outside the boundary of your home.
Leaks from household appliances, sinks, baths, or showers
Frozen pipes which have not caused any damage.
Guttering or rainwater downpipes, rainwater drains and soakaways.
Blocked toilets that are not leaking, or overflowing, and where there is another available toilet in the home.
Repairs if your boiler is deemed beyond economical repair.
In relation to electrical cover - domestic appliances or items with a plug.
In relation to electrical cover - swimming pools, fish tanks, ponds, burglar and smoke alarms, satellite/TV equipment, doorbells, garage doors, shower units, portable and fixed heating systems, immersion heaters, power generating systems including solar panels and wind turbines, any 3 phase electrical systems or garden areas.
Collapsed drains
Any external gas supply pipe or any piping that is the responsibility of the National Grid.
Pest infestations outside the main house at your home (for example in garages, other outbuildings or in the garden.
Where an appliance has caused a circuit to fail or trip.
Any incident within the initial exclusion period after the start date of your policy.
Any item or system which has not been regularly maintained and/or serviced in accordance with manufacturer’s instructions or recommendations.
Claims arising whilst or immediately after your home has been left unoccupied for 60 or more consecutive days.
Any work carried out by you or any other person which was not authorised by the claims administrator in advance.
Any parts or item which may need to be replaced due to natural wear and tear and/or gradual deterioration.

Your home must be your permanent place of residence and owned and occupied by you and your family as a private residence with no business use. Flats or apartments, rented and let properties, commercial and business premises, mobile homes and bed-sits are not eligible for cover
The policy only covers emergencies. There is no cover for routine maintenance of the items covered under the policy, nor for cleaning or servicing.
This policy will provide a temporary repair to limit or prevent damage or, solely at the claims administrator’s discretion, a replacement of a damaged part or item.
There is a limit on the amount we will pay out for any one claim. This limit is £500 or £1,000, as selected by you and confirmed on your Policy Schedule.
You can make a maximum of 3 claims during any 12 months period of insurance.
Unless you have chosen to take out a policy with no excess, you will need to pay the first £25, £50 or £95 of each claim you make under the policy. The policy excess selected by you will be confirmed on your Policy Schedule. The claims administrator will need to take the payment before any assistance can be provided to you.
Any incident which happens within the first 14 days from the start date of your policy is not covered.
We will only cover boilers under 15 years old and which have an output of 60kW/hr or less. Boilers must have been serviced within the 12 months before the insurance starts (and/or serviced in line with the manufacturer’s recommendations).
There is no cover for any repair/replacement whilst your boiler is still covered under a warranty.
Alternative Accommodation cover is for the cost of hotel room(s) and transport to the hotel only. You must pay the costs initially and then submit a claim form to the claim’s administrator for reimbursement.

Making sure you are eligible for cover
You must ensure that you and your home are eligible for this Insurance. The eligibility requirements are advised to you when you apply for/purchase this insurance and are stated in your Policy Document.
Disclosing important information
You must take reasonable care to provide complete and accurate answers to questions you are asked when you take out, make any changes to, or renew your policy.
Your duty to try to prevent an emergency
You must take all reasonable precautions to prevent an emergency. You must ensure that the normal day-to-day maintenance of your home is undertaken and that your home is in good condition.

If you have taken out cover for your domestic boiler, you will need to ensure it is serviced regularly. To be able to make a valid claim under this insurance, your boiler will need to have been:
- Serviced within the 12 months prior to the policy start date, and/or serviced in line with the manufacturer’s recommendations; and
- Serviced within the 12-month period prior to an emergency occurring.
When making a claim
You must report any emergency to the claim’s administrator as soon as reasonably possible. All requests for assistance must be made through
the claim’s administrator. Major emergencies which could result in serious injury to the public or damage to property should be immediately
advised to the supply company and/or the public emergency services.

You may cancel this policy within 14 days after the start of your policy (as shown in the schedule). If you contact us during this time, no charge will be made, and we will refund any premium (provided you have not made any claims and do not know of any grounds for a claim).
If you wish to cancel after this period, no refund of premium will be payable.
If you purchased your policy through an insurance broker, please contact the broker in the first instance. If you did not purchase your policy through an insurance broker, or you are unable to contact your insurance broker, please use the following details: Call: 0207 8461 378 or Email: hello@stubbenedge.com