Additional products topics

Home Emergency Cover protects you for a wide range of emergencies that can happen at home that require immediate assistance from a professional such as an electrician, a plumber, builder or other specialist. We will arrange for an approved contractor to resolve the emergency situation.

Intelligent Insurance home policies include an element of FREE Home Emergency cover as standard. Under this policy you are covered up to £250 for an emergency callout, with a maximum claims limit of £500 per year. Cover includes: 24 hour helpline Plumbing Drainage Internal electrics Pests Internal gas pipes Roof damage

Legal Expenses Cover, specifically Family Legal Protection, offers crucial financial support to cover legal fees when you need professional legal assistance. This coverage is designed to assist in various situations where legal representation is necessary. Here’s what you need to know: Financial Support Family Legal Protection provides financial coverage to help you meet the costs associated with legal representation. Professional Legal Assistance When faced with legal issues, having this cover ensures that you can enlist the services of legal professionals to navigate complex situations. Versatile Coverage Family Legal Protection is designed to assist in a range of situations, providing flexibility and support tailored to your legal needs. Summary By including legal expenses cover in your policy, you gain the peace of mind that comes with knowing you have financial assistance when seeking legal advice and representation. For detailed terms, conditions, and coverage specifics, please refer to the policy book.

Yes, Intelligent Insurance home policies come with a complimentary element of FREE Family Legal Protection cover, providing essential legal support. Here are the key details: Coverage Limit You are covered up to £25,000 per claim, offering substantial financial protection in legal matters. Covered Areas Consumer Pursuits: Assistance for legal matters related to consumer rights and pursuits Consumer Defence: Legal protection in consumer defense cases Property Damage: Cover for legal issues arising from property damage Property Sale & Purchase: Assistance in legal matters concerning property transactions 24/7 Legal Helpline: Access to a dedicated 24/7 legal helpline ensures you have guidance and support whenever you need it Summary Having legal expenses cover included in your home insurance provides peace of mind, knowing that you have support in various legal situations. Please refer to the policy book for detailed terms, conditions, and exclusions.

Legal expenses plus cover, also known as family legal protection plus cover, offers comprehensive protection for a variety of legal situations. Here’s an overview of the cover details: Coverage Limit Provides cover for up to £50,000* per claim, ensuring substantial financial support in legal matters. Covered Areas Consumer Pursuits: Assistance for legal matters related to consumer rights and pursuits. Consumer Defence: Legal protection in consumer defense cases. Property Damage: Cover for legal issues arising from property damage. Property Infringement: Legal support for cases related to property infringement. Property Sale & Purchase: Assistance in legal matters concerning property transactions. Personal Injury: Coverage for legal issues related to personal injury claims. Clinical Negligence: Legal protection in cases of clinical negligence. Employment Disputes: Legal support for employment-related disputes* (Maximum claims limit of £5,000). Probate & Tax Disputes: Assistance in legal matters concerning probate and tax disputes. School Admission Disputes: Legal support for disputes related to school admissions. Personal Identity Fraud: Coverage for legal issues arising from personal identity fraud. Vehicle Cloning: Legal protection in cases of vehicle cloning. Legal Defence: Assistance in various legal defense situations. Social Media Defamation: Coverage for legal matters related to social media defamation. 24/7 Legal Helpline: Access to a dedicated 24/7 legal helpline for guidance and support. Take into consideration There is a maximum claims limit of £5,000 for Employment Disputes. Summary Understanding the comprehensive coverage offered by legal expenses plus cover ensures that you have the necessary support for a wide range of legal situations. Please refer to the policy book for detailed terms, conditions, and exclusions.

Legal expenses cover is designed to provide assistance in unforeseen legal situations. However, there are certain circumstances where you may not be able to use this cover or make a claim: Existing Legal Issues The cover cannot be used for any legal matter that is already in progress before obtaining the policy. Awareness of Potential Claims If you are already aware of a situation that could potentially lead to a claim, you may not be able to use the legal expenses cover for that specific issue. It’s important to refer to the policy book for a comprehensive list of exclusions and details regarding the circumstances in which the legal expenses cover may not apply. Understanding these limitations ensures clarity when considering the use of your legal expenses cover.

In the event of an issue that may necessitate a legal expenses claim, it’s crucial to initiate the process promptly. To begin your claim, contact us at

You have the option to enhance your legal coverage by adding legal expenses plus cover to your Intelligent Insurance home insurance policy. The cost for this additional protection is £25.00 per year or a budget-friendly £2.34 per month. Comprehensive Legal Support By opting for legal expenses plus cover, you expand the scope of your legal protection, ensuring comprehensive support for various situations that may arise. This cost-effective addition enhances your overall insurance coverage, providing peace of mind and financial security. Flexible Premium Payment The annual cost of £25.00 or the monthly option of £2.34 allows you to manage your budget effectively while enjoying the benefits of extended legal coverage. This flexibility empowers you to tailor your policy to align with your specific needs and preferences. Summary By considering the affordability and advantages of legal expenses plus cover, you can make an informed decision about enhancing your policy for comprehensive legal support.

Yes, in the majority of cases, you are covered for legal expenses right away under our policy. This means you can access the benefits and protection provided by legal expenses coverage without waiting for an extended period. Specific Exceptions However, there are specific scenarios where certain waiting periods apply: Employment Disputes: You cannot claim for employment disputes occurring in the first 90 days of the policy. Property Infringement: For property infringement cases, there is a waiting period of 180 days before you can make a claim. Summary Understanding these exceptions ensures clarity on the timing of coverage for different legal situations, allowing you to make informed decisions regarding your legal expenses protection.

Yes, you have the flexibility to add legal expenses plus cover at any time during your period of insurance. Intelligent Insurance offers policyholders the convenience of enhancing their coverage by including legal expenses plus cover, even after the initiation of the main home insurance policy. Pro-Rated Premium Calculation Opting to add legal expenses plus cover mid-policy enables us to pro-rate the premium for this additional coverage. We calculate the cost proportionally based on the remaining months of your main home insurance policy. Summary The ability to add legal expenses plus cover at any time reflects Intelligent Insurance’s commitment to adapting to the evolving needs of policyholders. This flexibility allows homeowners to align their insurance coverage with changing circumstances, providing comprehensive protection and peace of mind throughout the policy period.

Yes, there is a £100 excess applicable to family legal expenses claims. In the event that you need to make a claim under family legal expenses cover, a deductible of £100 will be applied. This means that you are responsible for covering the initial £100 of the incurred legal expenses, and the insurance coverage will address the remaining eligible costs. Key Considerations for Policyholders Policyholders should be aware of the specific excess associated with family legal expenses claims to make informed decisions when utilising this coverage. The excess is a predetermined amount agreed upon in the insurance policy, and its application is a standard practice in insurance to share the financial responsibility between the policyholder and the insurer. Utilising Family Legal Expenses Cover While the £100 excess is a consideration, family legal expenses cover provides valuable support in managing legal costs related to unforeseen events. By understanding the terms, including the excess, policyholders can navigate legal challenges with the assurance that their coverage is designed to assist in various family legal matters. Summary Intelligent Insurance aims to provide clarity on the terms of family legal expenses cover, ensuring that policyholders have the necessary information to make effective use of this component of their insurance policy.

Home Emergency Plus cover offers an added layer of security, providing financial assistance for emergency callouts up to £1,000, with a maximum claims limit of £1,000 during any insurance period. Comprehensive Coverage This extended coverage encompasses a range of emergencies, ensuring you have support when you need it most. The 24-hour helpline serves as a valuable resource for immediate assistance in various situations. Key Inclusions Plumbing: Addressing issues related to plumbing emergencies promptly. Drainage: Coverage for emergencies involving drainage systems. Internal Electrics: Protection for unforeseen problems with internal electrical systems. Pests: Assistance in handling pest-related emergencies. Internal Gas Pipes: Coverage for emergencies related to internal gas pipes. Roof Damage: Financial support for situations involving damage to the roof. Security: Assistance in emergencies related to home security. Boiler & Heating System: Coverage for issues with the boiler and heating system. Alternative Accommodation: Provision for alternative accommodation if your home becomes uninhabitable. Summary By opting for Home Emergency Plus cover, you not only gain financial assistance in emergencies but also access a comprehensive support system designed to address various unexpected situations around your home.