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Cover off unexpected emergencies with our Home Emergency Cover

Let us take care of emergency repairs because we want to give you total peace of mind.

Our Home Emergency Cover will give you access to 24/7 hour technical support should an emergency occur. Furthermore you will have access to our nationwide skilled contractor network. Costs such as part, labour and call out fees will be covered if an engineer visit is required. Don’t let an unexpected emergency stop you from getting on with your day to day life.

Emergencies Covered

Plumbing & Drainage

Plumbing and Drainage, which may result in internal water leakage, flooding or water damage.

Lost Key

Entry into your home where you have lost your keys.

Primary Heating System

The restoration of your primary heating and/or hot water following an unexpected failure of your primary heating system.

Electricity Supply

The restoration of your electricity supply following a sudden and unexpected failure.

Inoperable Toilet

Inoperable toilet caused by a sudden and unexpected failure of the toilet.


Security of your home following unexpected failure of, or damage to, external locks fitted to doors and/or windows. Which in turn render your home unsafe or insecure.

If you suffer a gas leak, call the National Gas Emergency Service immediately on

0800 111 999

Online Account 24/7

Access your online account 24/7. Whether you simply want to view your policy documents or request to make policy changes, you can do so easily through your unique online account.

Easy Communication

If you have any questions or need help, get in touch via Live Chat, telephone, post, email or via our Twitter support page @kaput_support. See our Contact page for more information.

Quick Cover

Our easy to use website and simple application process, should make sure that you have a smooth journey, when trying to purchase any of our insurance products.

  • Provides access to our nationwide skilled contractor network and emergency helpline.
  • Provides cover for the callout, labour and parts to alleviate the immediate emergency.
  • For events that occur at home, we will advise on the action required to protect yourself and your home. We will send one of our approved engineers and arrange an appointment for an approved engineer to visit your home.
  • We will organise and pay the cost of providing the assistance up to the claim limit inclusive of VAT.

Our Home Emergency insurance is there to give you peace of mind in the event of an emergency at your home. Although we want to help you as much as we can during difficulties such as Home Emergencies, we cannot cover all problems which occur. Please see the key policy exclusions below.

  • Any claims within the first 30 days of cover, from inception date in the first year of cover.
  • Any claims which exceed the claims limit.
  • General maintenance and wear or tear.
  • Circumstances known to you prior to the commencement date of your policy.
  • Claims arising after the Home has been left unoccupied.
  • Repairs and servicing (where applicable) on systems where spare parts are no longer available.

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Got a Question?

If you need help or assistance, then make sure you get in touch:

Call Us Freephone 0800 999 7878

Email Us

LiveChat with us 

Or browse some of our most common FAQs

A sudden and unexpected event which, if not dealt with, would, in the reasonable opinion of the helpline:

  • render the home unsafe or insecure; or
  • damage or cause further damage to the home; or
  • cause personal risk to You.

You can pay either monthly via direct debit or annually by debit/credit card.

This depends on what you select when you set up the policy. We offer a £95, £50 or no excess option.

You certainly can! We provide Home Emergency and Boiler insurance for home owners and landlords.

Just call our Freephone number 0800 999 7878 and choose Option 1. Or you email the claims administrators at

Call Freephone Now