In the event of a non fault accident, call us on:  028 9048 4484


Retrieve a Quote

Everytime you complete a quote on our website, we save your quotes in your secure online account. All quotes are valid for 30 days and you can go back to them and buy a policy at any time during this period. You can even amend your details to generate new quotes if you want to make a change. After the 30 days is over you can still view the quotes for reference purposes although the prices will not be valid any more.


Home Emergency Cover - Terms & Conditions

Under this section ‘You’ may refer to your position as the broker or your client themselves.


If excesses apply, they will be itemised on your policy schedule.

How to make a Claim:

Should you wish to process a claim under this policy You must contact the claims department on 02890 410 220 (UK) or 01 872 0179 (ROI) or or

MIS Claims

Beechwood House
37 Comber Road
BT16 2AA

Fax: (UK) 02890481185
(ROI) 04890481185

Cancellation Rights

You may cancel the policy at any time. You must notify us of this in writing and return the policy documentation to the address shown on the policy schedule.

The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 3 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to You at Your last known address. Valid reasons may include but are not limited to:

a) Fraud

b) Non-payment of premium

c) Threatening and abusive behaviour

d) Non-compliance with policy terms and conditions

Provided the premium has been paid in full your client may be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.

Customer Service/ Complaints

It is the intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim You should follow the complaints procedure below:

Sale of the policy

Please contact your agent who arranged the Insurance on your behalf.
If your complaint about the sale of your policy cannot be resolved by the end of the next working day, your agent will pass it to:

Customer Relations Department

UK General Insurance Limited
Cast House
Old Mill Business Park
Gibraltar Island Road
LS10 1RJ

Tel: 0845 218 2685

If it is not possible to reach an agreement, you have the right to make an appeal to the Financial Ombudsman Service. This also applies if you are insured in a business capacity and have an annual turnover of less than €2million and fewer than ten staff. You may contact the Financial Ombudsman Service at:

The Financial Ombudsman Service

Exchange Tower
E14 9SR

Tel: 0845 080 1800

The above complaints procedure is in addition to Your statutory rights as a consumer. For further information about Your statutory rights contact Your local authority Trading Standards Services or Citizens Advice Bureau.

How do I renew?

You shall receive an email each month to notify you that you have renewals pending for the coming month. Your renewals are available three months in advance via the website renewals section.

Compensation Scheme

Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme, if Ageas Insurance Limited cannot meet its obligations. This depends on the type of business and circumstances of the claim. Most insurance contracts are covered for 90% of the claim with no upper limit. You can get more information about compensation scheme arrangements from the FSCS or visit

Data Protection Act 1998

Please note that any information provided to us will be processed by us and our agents in compliance with the provisions of the Data Protection Act 1998, for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. We may also send the information in confidence for process to other companies acting on their instructions including those located outside the European Economic Area.

Your contract with the Insurer

You must co-operate with the Insurer in obtaining reimbursement of any costs that incur under the terms of this cover, which may have been caused by the action of a third party against whom you have a legal right of action.

Consumer Insurance (Disclosure and Misrepresentation) Act 2012

Under this Act, it is the duty of the consumer to take reasonable care not to make a misrepresentation to the insurer either before a consumer insurance contract is entered into or varied.

For the purposes of the Act, a qualifying misrepresentation is deliberate or reckless if the consumer:-

a) Knew that it was untrue or misleading, or did not care whether or not it was untrue or misleading, and

b) Knew that the matter to which the misrepresentation related was relevant to the Insurer, or did not care whether or not it was relevant to the insurer.

Any such misrepresentation could invalidate your insurance cover and mean that part of all any claim on the policy may not be paid.

Provisions and Services

The content of the site does not constitute an offer by us to sell products and services. Your request to purchase a product or service represents an offer by you that we may accept or reject and will be subject to the terms and conditions of that product or service.

You must ensure that the information you have provided us, whilst utilising this site are correct and that you have sufficient funds to cover the cost of any product or service which you intend to purchase.

Jurisdiction and Law

This policy shall be governed by and constructed in accordance with law of England and Wales.


By proceeding with access to our website, you are deemed to have accepted these terms and conditions.

Duty of Disclosure

The information you provide us during the quote process will form the basis of the contract between you and the Insurer. It is your responsibility to provide complete and accurate information and to disclose all material facts likely to influence an insurer's decision to accept or decline the risk. If you are unsure about whether to disclose any information please contact us for guidance.

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