Home Emergency cover

You can add Home Emergency cover to your home insurance policy. You can only get Home Insurance Select directly with us. Get a quote online or over the phone. 10% cheaper when you get your quote and buy online.

Read about our online price.

Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

Our Home Emergency cover

For just £54.00 per year or £4.50 per month, it protects you against the cost of repairs which might not normally be covered by your home insurance.

This cover is provided by Allianz Assistance. Home emergency cover is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents (PDF 142kB).

This policy does not cover day to day maintenance. It does not include cover for domestic appliance breakdown or routine service checks. Keep in mind, if you have an Ultimate Reward Current Account you will already have home emergency cover. For full terms and to find out what is and isn't covered, please see our policy booklet.

What is Home Emergency cover?

Home Emergency cover is there to cover the costs of sudden damage or breakages that can’t wait. So, if a broken-down boiler means your house doesn’t feel like home, you can get it fixed without being out of pocket yourself.

It covers costs like call-out fees and repair bills. You’ll also get access to a 24/7 helpline so you can arrange for an approved tradesperson to get it sorted, fast.

Home Emergency cover can help you deal with emergencies like:

Burst pipes.
Electrical failures.
Boiler breakdown.
Plumbing and drainage issues.

Make sure you contact us before getting any repairs done. Hold on to receipts or invoices from a tradesperson, as you’ll need these to support your claim.

What does Home Emergency cover include?

Your home is your castle, and you’ll want to know it is safe and secure. There are plenty of events that would need repairs done quickly.

Common home emergencies include:

Breakdowns affecting heating and hot water, or electricity.
Plumbing issues or drain problems.
Sudden roof damage that means it’s no longer watertight.
Broken locks, windows or doors.
Pest problems like those caused by insects or mice.

What isn’t covered by Home Emergency cover?

Home Emergency cover does not cover normal day-to-day property maintenance such as attention to items which tend to gradually wear over a period of time, or need periodic attention, for example the de-scaling of central heating pipes or replacement of taps and cistern washers. Home Emergency cover aims to provide rapid, expert help if you suffer an emergency arising from an incident covered under the policy.

So if a pipe bursts, you would claim for the repairs to the pipe on Home Emergency cover. You’d claim for any water damage from the leak on your home insurance.

Anything that isn’t classed as an ‘emergency’ will not be covered. Home Emergency cover doesn’t include:

An emergency related to an issue you knew about before your policy’s start date.
Damage that is done with routine maintenance of equipment, suppliers or services.
Emergencies that happen while you’ve left your house empty for more than 60 days in a row.

Damage like damp, dry mould or wear and tear is also not covered. Check our policy booklet for more details.

Do I need Home Emergency cover?

If your boiler suddenly breaks or there’s a burst pipe, you’ll want to fix it as soon as possible. Home Emergency cover can offer peace of mind that you won’t be out of pocket for repairs that can’t wait.

No heating and hot water in winter may need fixing straightaway. If the approved tradesperson confirms that your boiler is beyond economical repair, you could claim up to £500 in total toward the cost of a replacement boiler. You’d have to provide evidence that your boiler had been replaced before any payment was made.

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