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Smart Cover Insurance Services specialises in providing a range of home emergency insurance protection plans. In general, home emergency insurance protection covers the boiler breakdown, central heating, electrical breakdowns, plumbing and drainage, and other home emergency issues. Any unprecedented emergency issues that may cause damage to the property and could impact the health of the people living in a house is considered as home emergency.
Smart cover home emergency protection premium will vary from the level of covers, so it is important to compare the premiums before buying a policy. Generally, most policies will offer the followings:
• 24-hour emergency helpline
• Access to the qualified engineers who will fix the problem
• Parts and labour included – may be capped or subject to an excess
• UK-based customer service
• Rapid claim settlement
Benefits and Reasons to Have Home Emergency Cover
An emergency is exactly that. An emergency prevents you carrying on life in your home as normal. It is not something to ignore or work around, or manage by “getting by”. The emergency can compromise the integrity of the home, can impinge on safety and security, and/or pose a risk to the health of the people living inside.
It saves money
Because an emergency needs immediate attention, cost is a major factor. Even a tradesman who advertise that they will respond to emergency calls will charge a premium for an urgent callout. The cost of an emergency callout can be eye-wateringly high and then there are the job costs on top of that. With home emergency insurance, it covers the pays. The annual premium is likely to be a fraction of the cost of a major emergency, so payback is excellent. Usually, the claim limit is upto £5000 a year (to a limit of £1000 per claim) as necessary on home emergency cover and it will not affect the no-claims bonus on existing household insurance.
It saves time
The 24-hour helpline means the problem receives attention as soon as possible. A speedy response can prevent further damage. If there is no home emergency cover, it is not easy to find a tradesman/technician and the tradesman has to be available right away. It can take some time to search online or elsewhere to find a company and ring around to get some quotes. This urgency can induce a state of panic which uts a home at the risk of engaging a “dodgy” tradesman who does an inferior job.
Peace of Mind
With home emergency cover the emergency problems will be dealt on priority basis, enabling home life to get back to normal quickly.
Release ID: 88991421