Optional extras
Home Emergency Service - £23.00
What is Home Emergency Service?
With Home Emergency Service, in the event of an emergency an authorised tradesman will be appointed to carry out immediate
repairs. This service will settle the bill on your behalf, (subject to a maximum limit of £150), for any emergency covered by the policy. Refer to the policy wording for full details.
Who is the insurer?
The policy is underwritten by RSA.
What help do I get?
With the Home Emergency Service, you are insured for the following:
- emergency repairs - we will pay up to £150 (including VAT) in total for emergency repairs; the repairs will be carried out by an experienced and competent contractor and will be arranged for you
- alternative accommodation - we will pay up to £150 (including VAT) in total for the cost of overnight accommodation if we agree that after a home emergency, your home cannot be lived in
- transport - we will provide transport to the alternative accommodation if applicable.
HomeCALL Legal Protection - £19.00
What is HomeCALL?
It is a low-cost insurance policy which covers you for the legal costs involved in defending or taking action against an infringement of your legal rights.
Who is the insurer?
The policy is underwritten by Brit Insurance Limited.
What help do I get?
With HomeCALL, you can protect yourself and your family, living at the same address, for the following:
- personal injury – we will pay up to £50,000 of your legal costs if you are hurt in an accident and it was not your fault
- medical Costs Cover – we will pay up to £5,000 for private treatment if suitable medical care is not readily available on the NHS for personal injury sustained in any accident that is not your fault
- consumer contract – we will pay up to £50,000 of your legal costs if you have a dispute over something you’ve bought, sold or rented, or a service you’ve paid for; we will pay these costs if you are taking legal action against somebody else, or if somebody is taking legal action against you
- employment contract – we will pay up to £50,000 of your legal costs to have a solicitor or other person represent you at an employment tribunal, if you have a dispute with your employer
- property disputes – we will pay up to £50,000 of your legal costs if you have a dispute relating to physical damage to your home, we will pay these costs if you are taking legal action against somebody else, or if somebody is taking legal action against you.
Helplines
Our helplines are open 24 hours a days, 365 days a year and provide unlimited access for advice on any personal legal matter, counselling for trauma and debt and home security.
Important Notes:
These optional extras are only valid for the period of home insurance and must be taken out to commence at the start of your home insurance policy or at renewal.
No refund of premium is allowable upon cancellation after the initial 14 day cooling off period. These notes cannot cover all eventualities. For full details of policy cover, terms, conditions and exclusions, please refer to the policy documents.