Home Emergency Insurance

Underwritten by Ageas, the Cavere Home Insurance product is rated 5 star by Moneyfacts Group, the independent researcher of financial products.

Ageas is an international insurance group ranked among the top 20 insurance companies in Europe, with key markets in Europe and Asia, and a heritage spanning more than 190 years.

  • Home Emergency cover is designed to provide cover following a sudden or unexpected event which if not dealt with quickly would render your home unsafe or insecure, cause further damage to your home or cause personal risk. The intention of the Home Emergency cover is to provide an engineer to complete a temporary repair to limit or prevent damage. If a permanent repair would be of a similar cost to a temporary repair, a permanent repair will be provided as long as it is within the scope of cover provided.

    Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home. Nor does it provide or cover the cost of boiler servicing and/or maintenance.

    Cover Limits

    Causes CoveredPolicy Limit
    Maximum Claim LimitThe amount we will pay in respect of any one period of insurance shall not exceed £1000 including VAT
    ·        Plumbing & drainageUp to maximum claim limit
    ·        Electricity supplyUp to maximum claim limit
    ·        Cooking systemCooker/Oven claim limit £250
    ·        SecurityUp to maximum claim limit
    ·        Main heating systemWhere a boiler is deemed to be beyond economical repair our liability will not exceed £500 where the boiler /appliance is up to 5 years old or £250 where the boiler/ appliance is greater than 5 years old but less than 10 years old.
    ·        Hot waterUp to maximum claim limit
    ·        Lost keysUp to maximum claim limit
    ·        Pest infestationUp to maximum claim limit
    ·        Water supply pipeUp to maximum claim limit
    ·        Gas supplyUp to maximum claim limit
    ExcessExcess Amount
    Standard policy ExcessZero

     *In order for cover to be provided for the primary heating system the homeowner must ensure the boiler is serviced annually by a gas safe engineer.

  • For Policy claims please call 0345 2571267

    How to arrange emergency assistance

    Major emergencies which could result in serious injury to the public or damage to property should be immediately advised to the supply company and/or the public emergency services.

    The policy does not provide cover for any repairs, damage or other loss resulting from gas leaks.

    Before requesting emergency assistance, check that the circumstances are covered by your policy.

    Remember this is not a maintenance policy and does not cover routine maintenance in your home.

    If your emergency is boiler related you should have your boiler make and model and service details ready when you contact the helpline. Remember you must produce evidence to our approved engineer, that the boiler has been serviced to the manufacturers specifications within the last twelve months for primary heating system cover to apply. Primary heating system cover must also be shown as included on your schedule.

    Telephone the helpline within 12 hours of the emergency occurring and provide details of the assistance required. All requests for emergency assistance must be made through the helpline.

    Do not make any arrangements yourself without prior authorisation from the helpline, if you do we will not reimburse any costs you may incur. All calls are recorded.

    The helpline will appoint an approved engineer to attend your home, provided that this is not precluded by adverse weather conditions, industrial disputes (official or otherwise), failure of the public transport system, including the road and railway networks and repairs thereto and any other circumstances preventing access to the home or otherwise making the provision of emergency assistance impossible. The helpline and the approved engineer will have reasonable discretion as to when and how work is undertaken and this will be based on the details provided by you.

    The approved engineer will charge all costs covered by the insurance directly to us. You will be asked to pay the cost of:

    • Call-out charges if there is no-one at home when the engineer arrives;
    • Work in excess of the claim limit;
    • Fitting replacement parts or components of a superior specification than the original at your request.

Product Downloads

  • Policy Wording

    A PDF copy of your full policy terms & conditions

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  • Insurance Product Information Document (IPID)

    A PDF summary of the policy features

    View Download

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