Policy extras
HomeCALL Legal Protection - Legal protection against the unexpected for just
£19.00
What is HomeCALL?
It is a low-cost home insurance policy which covers you for the legal costs
involved in defending or taking action against an infringement of your legal rights.
Who is the insurer?
The policy is underwritten by Brit Insurance Limited.
What help do I get?
With HomeCALL, you can protect yourself and your family, living at the same address,
for the following:
- personal injury - we will pay up to £50,000 of your legal costs if you
are hurt in an accident and it was not your fault
- medical costs cover - we will pay up to £5,000 for private treatment if
suitable medical care is not readily available on the NHS for personal injury sustained
in any accident that is not your fault
- consumer contract - we will pay up to £50,000 of your legal costs if you
have a dispute over something you've bought, sold or rented, or a service you've
paid for; we will pay these costs if you are taking legal action against somebody
else, or if somebody is taking legal action against you
- employment contract - we will pay up to £50,000 of your legal costs to
have a solicitor or other person represent you at an employment tribunal, if you
have a dispute with your employer
- property disputes - we will pay up to £50,000 of your legal costs if you
have a dispute relating to physical damage to your home, we will pay these costs
if you are taking legal action against somebody else, or if somebody is taking legal
action against you.
Helplines
Our helplines are open 24 hours a days, 365 days a year and provide unlimited access
for advice on any personal legal matter, counselling for trauma and debt and home
security.
Home Emergency Service - Peace of mind when your home needs emergency repairs
for just £23.00
What is Home Emergency Service?
With Home Emergency Service, in the event of an emergency an authorised tradesman
will be appointed to carry out immediate repairs on your house. This service will
settle the bill on your behalf, (subject to a maximum limit of £150), for
any emergency covered by the home insurance policy. Refer to the policy wording
for full details.
Who is the insurer?
The policy is underwritten by RSA.
What help do I get?
With the Home Emergency Service, you are insured for the following:
- emergency repairs - we will pay up to £150 (including VAT) in total for
emergency repairs; the repairs will be carried out by an experienced and competent
contractor and will be arranged for you.
- alternative accommodation - we will pay up to £150 (including VAT) in
total for the cost of overnight accommodation if we agree that after a home emergency,
your home cannot be lived in.
- transport - we will provide transport to the alternative accommodation if applicable.
Home Personal Accident Plan for just £2.99 a month
This insurance provides cover for an insured person for the following:
- Accidental bodily injury which results in death
- Permanent disability (specifically mentioned in the table of benefits)
Terms conditions and exclusions apply. You can apply for cover once you've bought Direct Home insurance. For more information on Home Personal Accident cover click here
Important Notes:
Home Emergency Service and HomeCALL Legal Protection options are only valid for
the period of home insurance and must be taken out to commence at the start of your
home insurance policy or at renewal.
No refund of premium is allowable upon cancellation. These notes cannot cover all
eventualities. For full details of policy cover, terms, conditions and exclusions,
please refer to the policy documents.