Hiscox Home Emergency Cover
Features comparison with Hiscox Home Emergency Cover.
| Service | British Gas – Homecare 400 | Hiscox Home Emergency Cover |
|---|---|---|
| Emergency Definition | British Gas is a maintenance agreement and as such will attend for most types of breakdown | Failure of Heating & hot water, burst pipes, drain blockages, electrical failure eg, fusebox, sockets & wiring, or emergencies posing a risk to health, safety or security or making it impossible to live in your home |
| No of call outs allowed/ Amount per Claim | Unlimited Call outs/ Unlimited Claim Amounts (except Drainage up to £1000) | Labour & materials up to £500 per incident |
| Response Times | British Gas engineers promise to attend promptly and to provide a same day response wherever possible on a priority basis | Heating emergencies – next day otherwise within 2 hrs |
| Labour | Directly employed labour possibly giving you a better service | Subcontractors |
| Safety and Maintenance Inspections | Included | Not Included |
Consumer Tips
- When Home Emergency services are incorporated into your Home Insurance policy the amount you will be able to claim may be very 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 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.