3 min read
Home maintenance cover vs home insurance: what is the difference?
They sound similar, but they do different jobs. Knowing the difference helps you decide what you need.
What a maintenance cover plan is
Our Home Maintenance Cover Plan is £249 for 12 months. It gives you access to qualified engineers for plumbing, drainage, heating and electrical problems, with a 24-hour response target. It is a maintenance and call-out plan, not an insurance product.
What home insurance is
Household insurance is a regulated product that pays out for events such as fire, theft or storm damage, depending on the policy. Our plan does not replace it, and is not a substitute for it.
Questions worth asking of any plan
- What exactly is covered, and what is excluded?
- Is there a quote before any chargeable work, and do I agree the cost first?
- Does it renew automatically, and will I be reminded?
- What is the response time, and is it a target or a guarantee?
How ours answers those
The exclusions are listed on the plan page. A quote is provided first for chargeable work and the cost is agreed before work starts. It does not renew automatically, and we send a reminder before it expires. The 24-hour response is a target, not a guaranteed time.
General guidance only, not a substitute for advice from a qualified engineer. If you are in any doubt, stop and ask a professional.