What is home emergency cover?

Home emergency cover is included in your annual premium and you don’t have to pay any excess if you use it. We provide up to £1,000 cover for each repair including the cost of call out, labour and materials (including VAT).

It covers emergencies which are a risk to your home in the hope that fast treatment will limit damage. We define emergencies as sudden, unexpected and requiring immediate corrective action to:

• prevent any damage or further damage to your home
• make your home safe and secure
• relieve any unreasonable discomfort, risk or difficulty to you.

Cover is available for incidents related to:

• Roof damage
• Plumbing and drainage
• Main heating system
• Domestic power supply
• Toilet unit
• Home security
• Vermin

To find out more about the cover our home insurance provides call 0345 070 2223.

When you become aware of a possible claim you need to call us immediately and notify us of your claim. Baptist Insurance Home Emergency Claim Line: 0345 268 8471. This cover is arranged in conjunction with DAS Legal Expenses Insurance Company Limited.