Home Insurance Optional Extras
- Home Emergency Service - £22.00
- HomeCALL Legal Protection - £18.00
- Payment Protection Insurance - £15.00
Home Emergency Service - £22.00
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 insurance policy is underwritten by Royal & Sun Alliance Insurance plc.
What help do I get?
With 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 - £18.00
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 insurance 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 you 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.
Payment Protection Insurance - £15.00
If you want to pay by instalments, wouldn't it be a relief to know that your insurance payments will be taken care of should you lose your job through no fault of your own, or encounter the misfortune of contracting an illness or disability which prevents you from working?
Safeguard your peace of mind in the event of:
- Disability
- Illness
- Unemployment/ redundancy
- Going out of business if you are self employed.
Usual exclusions or limitations:
- Maximum 12 payments from when job seekers allowance is claimed
- Must have been in full time employment for a minimum of 6 months prior to unemployment occurring
- If self employed the company must have ceased to trade
- There is no cover for pre-existing medical conditions/disabilities
- Maximum 12 payments for disability benefit from the first date a doctor confirms the client is disabled
- If you become unemployed within the first 90 days following the start date of this insurance
- Will not provide cover in the event of; self-inflicted injury, stress or pregnancy-related illness.
You can protect yourself against the worry of how you would pay for your insurance policy if the unexpected happens for just £15 a year.