Legal and General Home Emergency Cover
Features comparison with Legal and General Home Emergency Cover.
| Service | British Gas – Homecare 400 | Legal and General Home Emergency Cover |
|---|---|---|
| Emergency Definition | British Gas is a maintenance agreement and as such will attend for most types of breakdown | Legal and General’s Home Emergency Cover appears to be for temporary repair in crisis/emergency situations only. Covers failure of gas, electricity and water supply and hot water system, burst pipes, blocked drains and roof damage. Only cover total failure of heating |
| No of call outs allowed/ Amount per Claim | Unlimited Call outs/ Unlimited Claim Amounts (except Drainage up to £1000) | Up to £150 inc VAT in total. |
| Response Times | British Gas engineers promise to attend promptly and to provide a same day response wherever possible on a priority basis | None given |
| Labour | Directly employed labour possibly giving you a better service | Subcontractors |
| Safety and Maintenance Inspections | Included | Not Included |
Consumer Tips
- Generally if Home Emergency is incorporated into your Home Insurance policy the amount you will be able to claim will 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
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.