HOME EMERGENCY COVER
Help when you need it most
Home emergency cover can be added to your Bronze, Silver or Gold policy as an optional add-on. Contacting us for assistance with a home emergency is not considered a claim, so it won’t affect any no claims discount you may have.
For Specialist home insurance brought to you through Covéa Insurance plc, this cover comes as standard.
What is Home emergency cover?
It’s the middle of the night and you wake to the sound of water dripping in the kitchen. You go downstairs to find out you've got a burst pipe and need some help straight away.
If there’s an emergency in your home, the last thing you'll want to worry about is trying to find a tradesperson you can trust to come and fix the problem. If you have Home emergency cover with a John Lewis home insurance policy, our partner ARAG Legal Expenses Insurance Company Limited (ARAG LEI) will arrange for a qualified, trusted tradesperson to attend as soon as possible, 24/7.
During very busy times, like after a winter storm, it might take us a little longer, but we’ll always provide help as quickly as possible.
What does it cover?
Home emergency cover deals with situations that, if not dealt with immediately, will make your home unsafe or insecure, cause damage to your home or its contents or result in your home losing its main source of heating, lighting or water.
Typical examples of home emergencies which are covered include:
Failure of your home’s main heating system which must be gas, oil or electric fired
Sudden loss of your home’s domestic electricity or gas supply
Emergency plumbing issues, including blocked, broken or leaking pipes and drains that you are responsible for
Broken or damaged external doors, windows or locks which leaves your home insecure
Damage to the roof of your home where internal damage has already been caused or is likely
Pest infestations (such as wasps’ or hornets’ nests, rats, mice or grey squirrels) in your home which prevents the safe use of the loft or one or more rooms
What isn’t covered in a Home Emergency policy?
Home emergency cover does not cover normal day-to-day household maintenance or repairs that need to be carried out periodically, such as descaling water pipes or dealing with leaking taps.
While Home emergency does not cover the boiler itself for Bronze, Silver or Gold policies, your boiler is covered if it's your primary heating system and it fails or breaks down completely causing a loss of heating or hot water.
For full terms, conditions and specific policy exclusions, please refer to the policy document.
How we pick our tradespeople
Tradespeople provided by ARAG LEI are on hand to carry out urgent work 24 hours a day, 7 days a week.
They're carefully selected by our provider to offer you the best possible assistance with proven experience in emergency repairs. All assigned tradespeople have the relevant qualifications, including Gas Safe for gas heating engineers. We also check recommendations from previous customers so you can rely on a trustworthy service.
Not yet covered by John Lewis?
Insure your home and valuables today by getting a quote online.
We also offer Specialist home insurance for unique homes and high-value contents.
Bronze / Silver / Gold insurance cover
John Lewis Money Home Insurance is a trading name of John Lewis Finance Limited. Registered in England and Wales company number 15785347. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. John Lewis Finance Limited is authorised and regulated by the Financial Conduct Authority for insurance distribution and credit broking (Firm Reference Number: 1018169).
Pay monthly option for your home insurance is under a contract with Premium Credit Limited (a company registered in England and Wales with company number 02015200 whose registered office is at Ermyn House, Ermyn Way, Leatherhead, KT22 8UX). John Lewis Finance Limited acts as a credit broker when introducing you to Premium Credit Limited, not a lender. Premium Credit Limited will pay John Lewis Finance Limited a commission if your credit application is successful.
Home Emergency and Home Legal Expenses cover is underwritten by ARAG Legal Expenses Insurance Company Limited a company registered in England and Wales (company number: 103274) (FCA number 202106) having its registered office at Unit 4a Greenway Court, Bedwas, Caerphilly, Wales, CF83 8DW.
John Lewis plc is an appointed representative for John Lewis Finance Limited for insurance distribution and credit broking and registered with the Financial Conduct Authority (Firm Reference Number: 416011). Registered in England and Wales company number 233462. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ.
Covéa Insurance plc – our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covéa Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).
John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc. Registered Office: A & B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales. Company Number 613259.