What is the best home emergency cover in 2020? | moneyfacts.co.uk

nigel woollsey

Nigel Woollsey

Online Writer
Published: 05/11/2019

How do we decide which home emergency cover gets the best rating?

Moneyfacts financial experts take a microscope to thousands of products on an annual basis. The results are our Annual Star Ratings which are respected for their attention to detail and impartiality.

We look closely at the features of each home emergency cover product and the real benefits that these bring to consumers. Examples of the kind of features we look for are shown in the section below – ‘What elements do we use to determine a star rating?’.  

Our experts carefully assess and evaluate the range of benefits to decide on those that deserve a five or four star rating. These are the products that consumers can trust to provide the best home emergency cover for 2020.

How can I find the best home emergency cover for me?

Our star rating system makes it easy for you to see which are the truly exceptional home emergency cover products. Picking from our five or four star rated products means you can be assured you are choosing a quality product, that has been rated by experts, as being one of the best available.

What elements do we use to determine a star rating?

We consider an extensive range of features when assigning a star rating to a home emergency policy. These include:

  • Emergency cover limit per claim 
  • Emergency cover excess
  • Plumbing cover
  • Burst pipes cover
  • Blocked drains cover
  • Toilet unit cover
  • Boiler breakdown cover
  • Annual boiler service
  • Root damage cover
  • Domestic power supply cover
  • Internal gas supply pipe cover
  • Water supply pipe cover
  • Home security cover
  • Lost keys cover
  • Vermin infestation cover
  • Alternative accommodation cover

Home Emergency Cover – Five Star

Admiral - Home Emergency Cover
Age Co - Home Emergency
ARAG - Home Emergency Solutions - £1,000 limit
ARAG - Home Emergency Solutions - £500 limit
Assurant Intermediary - Home Emergency Cover
Aviva - Aviva Response - Heating, Plumbing,
Electrics and Security
Aviva - Home Emergency Cover
AXA Direct - HomeSafe - Home Assistance
AXA Direct - HomeSmart - Home Assistance
AXA Direct - HomeSure - Home Assistance
Barclays - Home Emergency Cover
Barclays - Premium Home Emergency
Bradford & Bingley - Home Assistance
British Gas - Home Assistance
Cavere Insurance - Home Emergency
CETA - Residential Home Emergency
Chelsea Building Society - Home Emergency
Assistance
Cherish Insurance - Home Emergency
City Insurance Group - Residential Home
Emergency
Clydesdale Bank - Home Emergency Assistance
Complete Cover Group - Home Emergency
Computer Quote - Home Emergency Cover
Confidas - Home Emergency
Dial Direct - Home Assistance
Direct Line - Select Premier Home Emergency
Ecclesiastical - Art & Private Client Home
Emergency
EDF Energy - Total Protect
Emerald Life - Home Emergency Solutions
first direct - Home Emergency Cover
First2Protect - Home Emergency Insurance
Hastings Direct - Home Emergency Cover
Hiscox - 606 Home Insurance Home Emergency
Hiscox - Home Emergency
Home & Legacy - Ultimate Home Emergency
Assistance
Home & Legacy - Ultra Home Emergency
Assistance
Home Emergency Assist - Boiler, Heating,
Plumbing & Drainage
Home Emergency Assist - Complete Cover
HomeGuard - Plus Cover Level
HomeProtect - Home Emergency Cover
HomeRescueCo - Electric, Plumbing, Boiler &
Heating Cover
HomeRescueCo - Electric, Plumbing, Boiler &
Heating Cover with Annual Service
HomeServe - HomeServe Cover 8
HomeServe - HomeServe Cover 8 with Service
HomeServe - Plumbing, Heating & Electrics
with Service
Horizon - Latitude Home Emergency Service
Horizon - Longitude Home Emergency Service
HSBC - Home Emergency
Insure4Retirement - Choice Home Emergency
Cover
Insure4Retirement - Home Emergency Cover
Intelligent Insurance - Home Emergency Plus
Ipswich Building Society - Home Emergency
Assistance
Kindertons - Residential Home Emergency
Leeds Building Society - Home Emergency Cover
Leek United - Home Emergency Assistance
Legal Protection Group - Home Emergency
Assistance (£1,000 Limit)
Legal Protection Group - Home Emergency
Assistance (£500 Limit)
Loughborough Building Society - Home
Emergency Assistance
LV= - Home Emergency
M&S Bank - Home Emergency Cover
Magnet Insurance - SilverKnight Repair Premier
MORE TH>N - Home Emergency Cover
Motability - Home Emergency Assistance
Nationwide Building Society - Home Emergency
Cover
NatWest - Premier Home Emergency
Neos - Home Emergency
NFU Mutual - Home Emergency
NFU Mutual - NFU Mutual Bespoke Home
Emergency
Nottingham Building Society - Home Emergency
Assistance
NPA24:7 - HomePlus 24:7 With Gas Heating &
Boiler Service
Oak Underwriting - Home Emergency Service
Palladium Underwriting - Home Emergency
Solutions
Paymentshield - Home Emergency Cover
Pen Underwriting - Home Emergency Insurance
Plum Underwriting - Amethyst Home Emergency
Plum Underwriting - Premier Home Emergency
Police Mutual - Home Emergency Cover
Policy Expert - Home Emergency Plus
Quotemehappy.com - Home Emergency Cover
Row.co.uk - Complete Cover
Royal Bank of Scotland - Premier Home
Emergency
Saga - Home and Heating Emergency
Sainsbury's Bank - Home Emergency Cover
Santander - Home Emergency Cover
Smart-Cover Insurance - Home Emergency
Essential
Smart-Cover Insurance - Home Emergency
Essential +
Smart-Cover Insurance - Home Emergency
Premium
Smart-Cover Insurance - Home Emergency
Premium +
startrescue.co.uk - Gold
startrescue.co.uk - Platinum
Swiftcover - Home Assistance
Swinton Insurance - Home Emergency Cover
Tesco Bank - Home Emergency
TSB - Home Emergency Cover
Uinsure - Home Emergency Cover
Utility Warehouse - Boiler & Home Cover
Utility Warehouse - Home Emergency Insurance
Vernon Building Society - Home Emergency
Assistance
West Brom Building Society - Home
Emergency Assistance
Yorkshire Bank - Home Emergency Assistance
Yorkshire Building Society - Home Emergency
Assistance
YourRepair - Complete Home Cover Plus
H

Home Emergency Cover – Four Star

Aviva - Aviva Response - Heating and Plumbing
British Gas - HomeCare Four
Churchill - Home Emergency
Co-op Insurance - HomeRescue Plus
CORGI HomePlan - Complete
Direct Line - Home Emergency
Ecclesiastical - Home Emergency
Endsleigh - Home Emergency Expenses
esure - Home Emergency
Home & Legacy - Prestige Home Emergency
Assistance
Homelyfe - Home Emergency Solutions
HomeServe - Plumbing & Heating with Service
iGO4 Insurance - Home Assistance
Intasure - Residential Property Emergency
Insurance
John Lewis Finance - Essential Home Emergency
Cover
John Lewis Finance - Plus Home Emergency
Cover
John Lewis Finance - Premier Home Emergency
Cover
Methodist Insurance - Home Emergency
NatWest - Home Emergency
NatWest - Reward Black Account Home
Emergency Service
NPA24:7 - HomePlus 24:7 With Gas Heating
Post Office Money - DAS Home Emergency
Cover
Privilege - Home Emergency
RAC - Home Assistance
RIAS - Home Protection Plus
Royal Bank of Scotland - Home Emergency
Saga - Home Emergency
Sheilas' Wheels - Home Emergency
SunLife - Home Assistance
Ulster Bank - Home Emergency
YourRepair - Home Cover

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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