Frozen pipes, flooding, drainage problems – all of these emergencies can make winter much more unbearable. That's where home emergency cover comes in, and with the Moneyfacts Star Ratings for home emergency revealed today, you can get some help in choosing the right cover.
The annual assessment of the home emergency market sees those products with the most features and competitive limits win either a four or even five Star Rating. Due to Moneyfacts' thorough assessment of the market, you can have the confidence that the cover you choose – whichever company suits your needs and wallet best – has all the protection that you may require.
"Having an emergency at home can be a stressful situation, and while cover will not stop them happening, it can ease the pressure of finding a solution and avoiding unexpected costs, be it an urgent hotel after a power loss or dealing with replacement locks due to missing house keys," Moneyfacts Star Ratings & Personal Finance Analytics Manager Samantha Owens commented.
"The Annual Moneyfacts Home Emergency Cover Star Ratings assess the policies available in today's market, giving its highest ratings to those with the broadest range of features and highest limits. This allows the consumer to narrow their options and find the best policy for their needs."
Here's a list of all those companies that have been deemed worthy of a Moneyfacts Star Rating of four or five.
HOME EMERGENCY INSURANCE |
FIVE STARS |
Admiral
Age Co
ARAG plc
- Home Emergency Solutions - £1,000 limit
- Home Emergency Solutions - £500 limit
Aviva
- Aviva Response - Heating, Plumbing, Electrics and Security
- Home Emergency Cover
AXA Direct
- HomeSafe - Home Assistance
- HomeSmart - Home Assistance
- HomeSure - Home Assistance
Barclays
Bradford & Bingley
British Gas
- Home Assistance
- HomeCare Four
Cavere Insurance
CETA
- Residential Emergency Policy
Chelsea Building Society
- Home Emergency Assistance
Cherish Insurance
Clydesdale Bank
- Home Emergency Assistance
Complete Cover Group
Computerquote
Confidas
- Home LUX Home Emergency
- Home MAX Home Emergency
Direct Line
- Select Premier Home Emergency
DUAL Private Client
Ecclesiastical
- Art & Private Client - Home Emergency
EDF Energy
- Heating Protect + Plumbing Protect + Wiring Protect
- Total Protect
Emerald Life
first direct
First2Protect Insurance Services
Hastings Direct
Hiscox
- 606 Home Insurance - Home Emergency
- Home Insurance - Home Emergency
Home & Legacy
- Prestige Home - Home Emergency Assistance
- Ultimate Home - Home Emergency Assistance
- Ultra Home - Home Emergency Assistance
Home Emergency Assist
- Boiler & Central Heating With Utilities
- Complete Cover
- Complete Cover with Annual Boiler Service
HomeGuard
HomeProtect
HomeRescueCo
- Electric, Plumbing, Boiler & Heating Cover with Annual Service
HomeServe
- HomeServe Cover 8
- HomeServe Cover 8 with Service
- Plumbing & Heating with Service
- Plumbing, Heating & Electrics with Service
Horizon
- Latitude Home Emergency Service
HSBC
Insure4Retirement
- Choice Home Emergency Cover
- Home Emergency Cover
Intelligent Insurance
Ipswich Building Society
- Home Emergency Assistance
Leeds Building Society
Leek United
- Home Emergency Assistance
|
Legal Protection Group
- Home Emergency Assistance (£1,000 Limit)
- Home Emergency Assistance (£500 Limit)
Littlewoods
Loughborough Building Society
- Home Emergency Assistance
LV=
M&S Insurance
Magnet Insurance
- SilverKnight Repair Premier
Market Harborough Building Society
- Home Emergency Assistance
MORE TH>N
Motability
- Home Emergency Assistance
Nationwide Building Society
NatWest
Neos
NFU Mutual
- Home Emergency Insurance
- NFU Mutual Bespoke Home Emergency Insurance
Nottingham Building Society
- Home Emergency Assistance
Oak Underwriting
Palladium Underwriting Limited
Paymentshield
Pen Underwriting
Plum Underwriting
- Amethyst Home Emergency
- Premier Home Emergency
Police Mutual
Policy Expert
Quotemehappy.com
Reactive Insurance Solutions
Row.co.uk
Royal Bank of Scotland
Saga
- Home and Heating Emergency
Sainsbury's Bank
Santander
Smart Cover Insurance
- Home Emergency Essential
- Home Emergency Essential+
- Home Emergency Premium
- Home Emergency Premium+
startrescue.co.uk
Swiftcover
Swinton Insurance
Tesco Bank
TSB
Uinsure
Utility Warehouse
Vernon Building Society
- Home Emergency Assistance
Very
West Bromwich Building Society
- Home Emergency Assistance
Yorkshire Bank
- Home Emergency Assistance
Yorkshire Building Society
- Home Emergency Assistance
|
FOUR STARS |
Aviva
- Aviva Response - Heating and Plumbing
Best Price Financial Services
- Home Emergency Assistance
British Gas
Churchill
Co-op Insurance
CORGI HomePlan
Dial Direct
Direct Line
EDF Energy
- Heating Protect + Plumbing Protect
Home Emergency Assist
- Plumbing & Drainage with Utilities
HomeGuard
- HomeAssist - Standard
- HomeAssist - Value
HomeRescueCo
- Electric, Plumbing, Boiler & Heating Cover
Horizon
- Longitude Home Emergency Service
Hub connect to the hub
- Home Emergency
- Sense Infinity Home Emergency
|
iGO4 Insurance
John Lewis Insurance
- Premier Home Emergency Cover
Kindertons
- Residential Home Emergency
Modus Underwriting
NatWest
Post Office Money
Privilege
- Home Emergency
- Platinum Home Emergency
RAC
Royal Bank of Scotland
Saga
SunLife
The Military Mutual
Ulster Bank
|