Home Emergency Insurance | Financial & Legal

What is Home Emergency Insurance?

Home emergency insurance is an established product in the UK. It has been a great benefit for many thousands of policyholders each year who experience sudden unexpected problems in their homes, such as a boiler breaking down in winter or needing to remove a wasps nest. These are just two of the problems our home emergency cover is designed to help with.

What do we Cover?

Our home emergency insurance policy will give complete peace of mind with four levels of cover to choose from.

All of our policies will cover plumbing and drainage and primary heating system for sudden and unexpected events like burst pipes. In addition, customers can add on as much or as little as they need from a range of additional home emergency covers. The full list includes:

Bursting or sudden leakage of water pipes within the property
Failure of or damage to underground drains or sewers
Failure of the mains services for which they are legally responsible be that electrics, water, gas or sewage
Complete failure of the central heating system involving a boiler or warm air unit
Damage to, or mechanical failure of, the only accessible toilet or cistern in the property which results in complete loss of function
Removal of wasp nests, field or house mice or brown rats within the property.
Break-in or vandalism compromising the security of the property.

Points to consider

The cost of home emergency cover will vary depending on which level of cover is chosen. The more comprehensive cover the higher the cost.

We can cover all types of boilers but only those up to 15 years of age. We cannot yet cover any of the newer “green energy” appliances but will be looking to introduce that cover as soon as we can.

Unlike some other companies, we will not cover roof repairs as we have not found an economic and efficient way to offer roof repairs, so we would rather pass the benefit on in terms of lower premiums.

We are not able to cover landlords’ properties under our home emergency cover.

Why choose Financial & Legal?

A Financial and Legal home emergency policy gives access to one of the largest networks of engineers and tradespeople 24/7, 365 days a year. Our partners help people every day all over the country with a range of home emergencies. We are confident that should the worst happen, your customers will be pleased to have a Financial & Legal home emergency policy

“Financial & Legal were a great help to us when we unexpectedly needed to secure new capacity at short notice. The F&L team moved very quickly, despite the extensive work involved, and the binder was completed two weeks before the anniversary date. F&L’s support has since been ongoing with continued assistance on all capacity and account management matters.”

Maintenance Direct Insurance Services Limited

“The service we receive is exceptional. Financial & Legal are always 100% committed to their clients, providing invaluable swift and professional service, going above and beyond to help. The way the team liaise with our clients is exceptional from start to finish; they deal with matters sensitively and diplomatically, which is vital at a time when clients are understandably vulnerable and have an ongoing legal case.”

Anglesey Insurance Services LTD

“We were looking for more than just an insurer. We wanted to work with professionals who understood our business and risks and who could see the bigger picture. With Financial and Legal we have a dedicated team, who listen to us and develop the products we need.”