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An emergency, within the context of home insurance, refers to a sudden and unforeseen incident that poses an immediate health risk to you or others. Additionally, it creates a potential risk of loss or damage to your home and belongings. Health Risk Exposure The primary criterion for an emergency is the exposure to an imminent health risk. Whether it’s a sudden health hazard within your home, this situation falls under the category of an emergency. Risk of Loss or Damage Emergencies also encompass scenarios where there is a clear and present risk of loss or damage to your home or any of your belongings. This broad definition ensures coverage for various unexpected situations. Home Uninhabitable Another facet of emergencies is their impact on the habitability of your home. If an incident makes your residence temporarily uninhabitable, it qualifies as an emergency. Summary Understanding what constitutes an emergency is crucial for homeowners. From health risks to potential damage and rendering your home uninhabitable, emergencies cover a range of unforeseen incidents. This comprehensive definition ensures that your insurance coverage is responsive to a variety of unexpected situations.

Yes, you have the flexibility to add home emergency plus cover at any time during your insurance policy period. Whether you initially opted for standard coverage or are reassessing your needs, this option allows you to enhance your protection seamlessly. Pro-Rated Premiums Adding home emergency plus cover mid-policy is a straightforward process. We pro-rate the premium, ensuring fairness in cost allocation for the remaining months of your main home insurance policy. This flexibility empowers you to adapt your coverage based on evolving needs and circumstances. Considerations for Enhanced Protection Evaluate your current coverage and assess whether home emergency plus cover aligns with your home protection priorities. This additional layer of protection extends the scope of assistance during unforeseen emergencies, offering peace of mind and comprehensive coverage. Adapting to Changing Needs Life is dynamic, and your insurance coverage should adapt to changing needs. With the option to add home emergency plus cover at any time, Intelligent Insurance ensures that your policy remains a tailored and responsive safeguard for your home.

Yes, to utilise home emergency cover, you must be the owner or occupier of the property, with the property being your principal home. Initial Waiting Period As a new policyholder, a waiting period of 14 days applies before you can make a claim under home emergency cover. Exclusions for FREE or Plus Cover You cannot claim if you’re a landlord seeking coverage for a tenanted or unoccupied property. Non-residence or a property being unoccupied for more than 30 consecutive days renders you ineligible. Note: Refer to the policy book for a comprehensive list of exclusions. Summary Understand the eligibility criteria, waiting periods, and exclusions before making a claim under home emergency cover.

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.

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.