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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 pagefor 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. Get covered today!

Low Cost

Our insurance is flexible and affordable. Go to our OFFERS page to see what you could save!

14 Day Money Back Guarantee

If you find that the cover is not for you, just let us know within 14 days and we will give you a full refund.

Flexible Payment Options

We give you the option to pay for your policy on a monthly or annual basis, making your life easier!

Fast Claim Settlement

Whether we look to repair or settle a claim, we do our best to act fast giving you total peace of mind.


Wendy Tomkins ★★★★★

I’m a new customer to Kaput and so far I’ve been really impressed by the easy to use website and excellent customer service. It was a trouble free process to sign up. Thank you!

James Wilson ★★★★★

Very happy with the price and a very helpful customer service agent who answered all of my questions. I would definitely recommend!

Julie Phillips ★★★★★

Called Kaput as I had a fault with my Beko washing machine. I had a very helpful lady on the phone who arranged for an engineer to come out the next day. Engineer arrived and fixed my machine. Couldn’t ask for anything more. Great Service.

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Policy Details

  • 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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