AA Home Insurance
Features comparison with AA Home Insurance Emergency cover included within their home insurance policies.
| Service | British Gas – Homecare 400 | AA Insurance Home Emergency Cover |
|---|---|---|
| Emergency Definition | British Gas is a maintenance agreement and as such will attend for most types of breakdown | The need for an emergency repair because of burst or blocked pipes or drains; damage to main heating or water system if there is likely to be flooding; damage to roof doors or windows (to avoid flooding or security issues); removal of wasps nests; repairs following fire or burglary |
| No of call outs allowed/ Amount per Claim | Unlimited Call outs/ Unlimited Claim Amounts (except Drainage up to £1000) | Up to 4 claims in the year. Labour and materials up to £170 incl VAT per claim |
| Response Times | British Gas engineers promise to attend promptly and to provide a same day response wherever possible on a priority basis | None given – state they may not be able to send a repairer if weather is too bad in the case of industrial action or if the public transport system fails |
| Labour | Directly employed labour possibly giving you a better service | Subcontractors |
| Safety and Maintenance Inspections | Included | Not Included |
Consumer Tips
- With emergency cover integrated into insurance policies you should carefully check what you are covered for.
- If Home Emergency is incorporated into your Home Insurance policy the amount you will be able to claim may be limited.
- You will still have to find a tradesman in the event of a breakdown that is not classed as an emergency by your insurance provider
- Make sure that the Home Insurance policy premium has not been inflated to take account of extra benefits which will not give very much in return
- Your cover will be connected to your Home Insurance – If you want to switch home insurance you will need to check that the insurance company will still be able to provide you with cover for your home emergencies
This information has been gathered in 2007 on a best endeavours basis using ‘Mystery Shopping’ sources, website visits and review of terms and conditions where freely available. It is the nature of these types of services that product features often change and hence the reader should conduct their own research should they wish to learn of the very latest features for any provider. As a result this website cannot guarantee the complete accuracy of the above which should be taken as a rudimentary guide only.