HBOS Home Emergency Cover
Features comparison with HBOS Home Emergency Cover.
| Service | British Gas – Homecare 400 | HBOS Home Emergency Cover |
|---|---|---|
| Emergency Definition | British Gas is a maintenance agreement and as such will attend for most types of breakdown | HBOS will attend to make your home safe and secure and to avoid further damage to the property |
| Coverage | Central Heating/Plumbing & Drains/Electrical breakdown | Heating system (only boilers under 10 years), plumbing & drains, domestic electrical and gas problems (but NOT failure of the supply). Covers the cost of the selected contractor to effect the repair (call out, parts and materials) |
| No of call outs allowed/ Amount per Claim | Unlimited Call outs/ Unlimited Claim Amounts (except Drainage up to £1000) | Unlimited claims up to £250 of cover per insured incident |
| Response Times | British Gas engineers promise to attend promptly and to provide a same day response wherever possible on a priority basis | Will endeavour to have a contractor at the property within two hours (or 4 hours if a rural location) |
| Labour | Directly employed labour possibly giving you a better service | Subcontractors |
| Safety and Maintenance Inspections | Included | Not Included |
Consumer Tips
- You will still have to pay for any amount over and above the £250 per claim limit.
- You will still have to find a tradesman in the event of a breakdown that is not classed as an emergency
- 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.