Home Emergency Cover
Round-the-clock support for the emergencies homeowners can't predict
Home Emergency Cover gives customers access to a qualified, approved tradesperson, day or night, when something goes wrong at home. It’s a valuable addition to any home insurance policy, providing added reassurance and support when unexpected household emergencies arise.
Support the Moment Something Goes Wrong
A burst pipe or a heating breakdown rarely happens at a convenient time, and not knowing who to call can turn a stressful moment into a genuinely difficult one. Home Emergency Cover is built to remove that uncertainty, connecting customers with a qualified, approved tradesperson who can carry out temporary repair work to resolve the emergency and make the property safe.
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Round-the-Clock Assistance
Support is available 24 hours a day, 365 days a year, so customers are never left waiting until normal working hours to get help.
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Qualified, Approved Tradespeople
Every call-out is handled by a qualified, vetted tradesperson, so customers get a safe, competent response rather than an unknown quantity at their door.
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Temporary Repairs to Resolve the Emergency
Cover provides temporary repair work to resolve the immediate emergency and make the property safe, giving customers breathing room before a permanent fix is arranged.
What Counts as a Valid Claim
Cover Built Around the Most Common Emergencies
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Water supply, plumbing and drainage
Cover for blockages, collapses, leaks, or damage affecting the water supply, plumbing, or drainage system.
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Central heating breakdown
Cover for a breakdown caused by mechanical or electrical malfunction in the central heating system.
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Roofing and guttering
Cover for damage and resulting water leakage caused by an issue with the roof or guttering.
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External locks, doors or windows
Cover for damage that affects the security of the home, such as issues with external locks, doors, or windows.
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Gas supply
Cover for damage to the internal gas supply pipe within the property.
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Pest infestation
Cover for the removal of pests such as rats or wasps from the property.
Built for Homeowners
Home Emergency Cover provides homeowners with round-the-clock support when unexpected problems arise at home, helping them access a qualified tradesperson when they need one most.
Homeowners
Round-the-clock support for household emergencies that might otherwise leave customers searching for a trusted tradesperson at short notice.
Unexpected Emergencies
Support when unforeseen issues occur in the home, helping customers get the assistance they need quickly.
Added Peace of Mind
An additional layer of reassurance for homeowners, knowing support is available when an unexpected home emergency occurs.
Why choose Coplus
Trusted Property Ancillary Partner
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Industry experience since 1988
Home emergencies are stressful, and how quickly and competently they're resolved shapes how a customer feels about their cover. Our long-standing experience in property ancillary products means partners get a proposition that performs well when it's actually needed.
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A network of qualified, approved tradespeople
Every call-out is handled by a vetted tradesperson, so customers get a consistent, competent standard of service regardless of the type of emergency.
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Specialist emergency claims partner
Claims and call-outs are handled by our specialist home emergency partner, available around the clock. We oversee the service closely, so customers get a quick, reliable response when something goes wrong at home.
Our range of property ancillary products
Related Property Products
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Gadget Insurance
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Home Excess Protection
Covers the excess when a customer claims on their home insurance, for homeowners and tenants alike.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
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Tenant’s Liability
Protects tenants against the cost of accidental damage to their landlord’s property, including buildings, household goods and furniture.
Frequently asked questions
Home Emergency Cover FAQs
What does Home Emergency Cover include?
It covers common domestic emergencies including issues with water supply, plumbing and drainage, central heating breakdown, internal gas supply pipe damage, roofing and guttering, external locks, doors and windows, and pest infestation.
Is the repair work permanent or temporary?
The engineer’s aim is to resolve the emergency by making the home safe and preventing further damage. This may be a temporary or permanent repair.
Is support available outside normal working hours?
Yes. Customers have access to a 24-hour claims line, where a qualified tradesperson can be arranged.
What additional benefits can be included?
Additional benefits vary by cover level. Our team can talk partners through the options available for their customers.
What kind of pests are covered under pest infestation?
Pest infestations inside the home are covered, including the cost of removing them. Some pests aren’t covered, including ants, fleas, bedbugs, spiders, flies, squirrels and bees, and infestations in garages, sheds or other outbuildings aren’t included. The full list of covered pests is in the policy wording.
How does a customer arrange a repair under this policy?
By calling the 24-hour claims line. The claims team will validate the claim and arrange for a suitable tradesperson to attend.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days