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Call from a mobile:
0333 003 3270

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Call FREE from a landline:
0800 298 2190


Home Emergency Insurance

FREE with all household policies from Call Wiser

INCLUDES family legal cover and ID theft assistance


What is Home Emergency Cover?

Family Legal Cover and ID Theft Assistance

This policy is designed to cover the costs of legal and professional fees acquired by the insured person including exposure to Identity Theft.

The Cover

  • Personal Injury;
  • Consumer Disputes;
  • Home Rights;
  • Taxation;
  • Employment;
  • Criminal Prosecution Defence;
  • Education;
  • Probate;
  • Jury Service Expenses;
  • Identity Theft.

Key Restrictions

(Please refer to the policy wording for full terms and conditions):

  • Professional Fees may be limited if there is no reasonable prospect of success;
  • Claims must be reported in 30 days;
  • Claims limit of £50,000 any one claim any one period of insurance;
  • Claim limit of £5,000 for education appeals.

Key Exclusions

(Please refer to policy wording for full terms and conditions):

  • Any costs, expenses or losses due to fraudulent actions made by the policy holder or in connection with the policy holder;
  • Costs incurred before contacting the helpline are not covered
  • Personal Injury claims involving medical or clinical negligence, or pharmaceutical or any related claims (including but not limited to tobacco products)
  • Consumer Dispute and Home Rights claims with local or government authorities;
  • Aspect Enquiries less than £100;
  • Employment claims where the dispute arises within the first 90 days of the first period of Insurance unless you can provide evidence that you had equivalent cover immediately prior to the original inception of this policy without a break in the period of cover;
  • Criminal Prosecution defence of any offence of deliberate and wilful criminal acts or omissions;
  • Criminal Prosecution defence of any offence relating to a motor bike/vehicle;
  • The first 5 days of Jury Service;
  • Excludes ID theft connected with the policyholder’s business, profession or occupation.

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Legal Claims Notification & Advice Helpline Service Number:
0800 2761036

Tax Claims Notification Service:
0800 2761037

Tax Advice Helpline Service:
0800 2761038

Identity Theft Claims Notification & Advice Helpline Service:
0800 2761039

Identity Theft Website: www.actionfraud.police.uk/fraud_protection/identity_fraud

Online Legal Resources Database: www.irwinmitchell.com/business/commoditised-services/products-and-services/legal-advice-helplines

Home

In the event of damage within the home this policy will cover (up to the limit of indemnity selected) the cost of Contractors’ emergency call-out and labour for:

  • Plumbing and Drainage
  • Internal Electricity, Gas and Water Supplies
  • Security
  • Lost Keys
  • Primary Heating System
  • Contribution towards Boiler Replacement
  • Pest Infestation
  • Roofing
  • Overnight Accommodation

Key Restrictions

(Please refer to policy wording for full terms and conditions):

  • Electricity failure of at least one circuit
  • Loss of the only keys to the property and for house keys only
  • Up to £250 for Accommodation if emergency cannot be resolved in a safe enough manner

Key Exclusions

(Please refer to policy wording for full terms and conditions):

  • External drains and pipes
  • Replacement water tanks and radiators
  • Electricity to Alarms
  • External lighting and security camera
  • Window locks and internal doors
  • Keys to internal doors, garages and outbuilding
  • Pest infestations not directly affecting the living areas
  • Damage to flat roofs over 10 years old
  • Claims within the first 30 days of the insurance policy

Claims

Customers must contact the claims helpline in order to claims and advise them they are insured through Call Wiser and provide the details of the issue.

Claims line: 0800 276 1035

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