18 March 2024
Home Emergency cover
Home Emergency cover
Protect your home with Ageas Home Emergency cover
Home emergency cover helps you deal with urgent household emergencies quickly without unexpected repair costs. With one fixed, annual price, you get support when things go wrong so you can relax, knowing help is at hand when you need it most.
What is home emergency cover?
Home emergency cover is optional cover that provides protection against certain unexpected household emergencies. With home emergency insurance we'll arrange for a qualified tradesperson to carry out temporary repairs for emergencies, day or night. You don't even have to worry about a call out charge.
Certain emergencies, such as pipe leaks and boiler repairs aren’t included in your home insurance policy, so this optional cover gives you extra peace of mind. Cover is subject to terms, conditions, exclusions and limits, so it’s important to check what is and isn’t included.
See what customers say about Ageas Home Insurance
What does Ageas Home Emergency cover include?
Provides up to £500 including VAT to cover the cost of a call-out and temporary repair for:
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Ageas Home Emergency |
Included |
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Complete failure of a boiler or hot water system (which may leave you without hot water or heating in the winter) |
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Bursting or sudden leakage of water pipes |
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Complete failure of mains services |
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Complete failure of the only accessible toilet |
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Damaged and broken external locks, doors and windows |
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Removal of wasp nests, mice & rats from within the home |
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Failure or damage to underground drains and sewers. |
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What is not covered?
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Ageas Home Emergency |
Not included |
|---|---|
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Failure of a boiler which is less than 12 months old, or is covered by a guarantee |
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Dripping or leaking taps |
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Let properties |
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Second homes |
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Homes that are left unoccupied for more than 60 days |
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Any costs that haven't been previously agreed |
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Pre-existing issues and emergencies that happen either before the policy starts or within 14 days following the start date of your policy |
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| Wear and tear, which we class as damage or deterioration caused by general everyday use.
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Ageas Home Emergency is underwritten by Inter Partner Assistance S.A.
For full terms and exclusions of our Home Emergency cover, please go to page 78 in policy booklet.
Why choose Ageas Home Emergency cover?
Support is available day or night, with no call‑out charge for covered emergencies1
Access to help when you need it for urgent household emergencies
Temporary repairs are carried out by an approved tradesperson and include a 12‑month guarantee2
About Ageas
Ageas protects over 4 million customers for motor, home, travel, pet & business insurance.
1 Within the policy limits 2 All repairs carried out by one of our approved partners are guaranteed for at least 12 months.
Add home emergency to your policy
Already have home insurance with Ageas, and want to add home emergency cover? Simply log into your online account to get a quote and make the changes.
Manage your home insurance policy securely online 24/7
Simple and straightforward
- Make changes to your policy with no admin fee
- Review and complete your policy renewal
- Make outstanding payments on your policy
- Submit and manage your claim online
- View and upload documents all in one place
Don't have an online account yet? Create one today. Make the most of your policy by logging in.
Expand your home insurance policy beyond emergency cover
Enhance your home cover even further with our optional add-ons:
Personal Belongings cover
Protect your items when you're away from your home
How much does home emergency cover cost?
Our home emergency cover has a fixed annual cost of £43.85 and can be added to your home insurance at any point during your policy. If you add it part way through the year, you’ll only pay for the time you’re covered.
Are there limits to home emergency cover?
Yes. Our home emergency cover is designed to help with sudden and unexpected emergencies that need immediate attention, and there are some limits to what’s included.
For each emergency, Ageas will pay up to £500 (including VAT) for call‑outs, parts and labour to carry out a temporary repair. If the total repair cost is more than £500, you’ll be asked to pay the difference before work goes ahead.
Home emergency cover applies to specific emergencies, such as:
- A complete failure of a boiler or hot water system,
- Burst pipes,
- Loss of mains services
- Damage to the only accessible toilet.
What is not covered?
- Issues caused by wear and tear
- Pre‑existing faults
- Boilers that are less than 12 months old or covered by a manufacturer’s guarantee
- Roof damage
- Emergencies occurring within the first 14 days after the cover starts
- Homes which have been unoccupied for more than 60 days.
For full details, exclusions and conditions, please refer to page 78 in the policy booklet.
We cover more than just your home
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Ageas Car Insurance gives your electric car the extra protection it needs. Defaqto 5 Star rated, it covers your electric battery and charging cable, home EV charger point, and liability cover.
Car insurance
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Ageas Home Insurance is one of the most comprehensive levels of cover available.
Home insurance customer stories
Find out what our customers thought about their Ageas Home Insurance claim experience. Home Emergency cover and claims are provided and administered by our partner, AXA.
Our home policy booklet
What do we say about home emergency cover in our policy booklet? See page 78 for full details of what is and isn't covered.
You can also check your Statement of Fact to review your cover, policy limits and excesses in more detail. You’ll find this in your online account or your policy confirmation email.
About your home emergency insurance policy
You can check your home emergency insurance policy and make changes through your online account.
You can log into your Ageas online account to view your policy details and find information about your home emergency cover.
If you need to make changes, you can contact our Live Chat team for support.
You can contact us through our virtual assistant or contact us form
If you have an emergency, contact us as soon as possible so we can help arrange support for your home emergency cover.
Home emergency cover claims can be made online and are handled by AXA Assistance (UK) Limited, see our Home Emergency claims page for more information.
For more information on making a claim and what happens next, visit our home insurance claims page.
To add home emergency cover, you’ll need an existing home insurance policy or purchase one.
If you already have a policy, you can add this cover at any time during your policy term, in your online account.
Yes. Home emergency cover includes a £500 limit per emergency, covering call-outs, parts and labour for a temporary repair.
About home emergency insurance
Home emergency cover doesn’t apply to everything. It excludes:
- wear and tear, which we class as damage or deterioration caused by general everyday use
- roof damage
- homes which have been unoccupied for more than 60 days
- second homes
- minor issues such as dripping or leaking taps,
- boiler failures where the boiler is less than 12 months old or still covered by a manufacturer’s guarantee.
Other exclusions and conditions apply, so it’s important to check the policy booklet for full details.
A standard home insurance policy is designed to cover insured events such as fire, flood and theft.
It doesn’t usually cover sudden household emergencies that need immediate attention, like a boiler breaking down or a burst pipe.
Home emergency cover is an optional add‑on that helps with specific urgent situations by arranging call‑outs and temporary repairs, subject to the policy terms and limits.
If you rent your home, emergency repairs are usually the landlord’s responsibility rather than the tenant’s.
This means costs for issues like a broken boiler or burst pipe are often covered by the landlord, but it’s worth checking your tenancy agreement to be sure.
You can get your home emergency cover added to your existing Ageas home insurance policy at any time during or after the initial purchase.
Just log in to your online account to make the change.
No, the age of your house doesn’t impact the cost of home emergency cover.
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