What is group home emergency assistance cover?

It can cover events such as water leaks, electrical failure, blocked drains and boiler breakdowns. If an incident occurs in your flat, which might also affect other flats, this cover has been developed to respond quickly to help minimise disruption.

Does home emergency assistance insurance cover boiler repairs?

It can but do check your policy as sometimes repairs for communal boilers in larger blocks of flats may be covered by an Engineering & Inspection policy – make sure you’re not paying for the same cover twice.

Does home emergency cover affect no claims?

It may affect some policies but others may have a specific clause saying that if you claim on your emergency cover policy it won’t affect your buildings insurance. Be sure to check your policy and if in doubt ask your broker or insurer.

Does home insurance cover boiler repairs?

Many home contents insurance policies exclude boiler repairs because boiler breakdown is quite common. But do check your policy and beware of exclusions - if in doubt ask your broker or insurer.

Should you get home emergency cover?

You would generally only need it if you are a homeowner. If you are a leaseholder then you are more likely to have Group Emergency Assistance insurance and you will pay a share of the premium through your service charge.

Gallagher emergency response cover for flats

An unexpected incident can happen at any time – especially in a block of flats. Gallagher emergency response cover can provide financial cover and support, so you’re not left to handle emergencies alone.

What is Gallagher emergency response cover?

Gallagher emergency response cover is insurance that can help when there’s an urgent issue in a communal space. This can include problems in areas like stairwells, corridors, or gardens. With insurance, you can access quick support during emergencies, whether it’s a burst pipe, a broken door, or a power outage.

What is covered by Gallagher emergency response cover?

Gallagher emergency response cover can cover important communal areas, including:

Stairwells: Can cover repairs for issues like damaged railings or leaks that could cause accidents.
Communal corridors: Can cover emergency fixes for electrical faults or blockages, keeping shared hallways safe for everyone.
Garden areas: Can cover the costs of repairs for damaged fencing which could cause further damage or injury if left unsecured, ensuring the outdoor space remains safe and secure.
Access points: Can cover repairs for malfunctioning gates or doors, helping to keep residents secure and able to enter their homes easily.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Why is Gallagher emergency response cover important?

Having Gallagher emergency response cover is an important consideration for several reasons:

Protection against financial loss: Emergencies can lead to costly repairs. This cover can help you avoid unexpected expenses.
Quick response: With 24/7 support, you can get help right away when something goes wrong, reducing the chance of further damage.
Peace of mind: Knowing you have protection in place can help you feel more secure in your home.
Supporting the community: Gallagher emergency response cover helps everyone in the block feel safer, as prompt action can prevent emergencies from affecting many residents.

Examples of when Gallagher emergency response cover can be used

Gallagher emergency response cover can be invaluable in many situations, including:

Heating system failure: Can cover the total failure or breakdown of the main heating system in the property.
Plumbing emergencies: Can cover sudden damage, blockage, breakage, or flooding of the drains or plumbing system likely to cause damage to the property or its contents.
Toilet failure: Can cover damage to or failure of the toilet bowl or cistern resulting in loss of function, provided there is no other toilet in the property.
Electricity or gas supply failure: Can cover the failure of the property’s domestic electricity or gas supply.
Lost keys: Can cover the loss of the only available keys if you can’t replace them to gain access to the property.
Vermin protection: Can cover the removal of vermin causing damage inside the property or posing a health risk to you.
Accommodation costs: Can cover overnight accommodation costs, following a home emergency that renders the property uninhabitable, including transport to the accommodation.
Roof damage: Can cover damage to the roof of the property where internal damage has been or is likely to be caused.
Drainage and water supply protection: Can cover damage to underground external drainage and/or external water supply pipes.

What doesn’t Gallagher emergency response insurance cover?

While Gallagher emergency response cover provides extensive support, it doesn’t cover everything. Here’s what’s usually excluded:

General wear and tear: Routine maintenance issues, such as minor repairs due to age, usually aren’t included.
Pre-existing conditions: Problems that were present before you took out the policy won’t be covered.
Negligence: Incidents due to lack of care or maintenance typically aren’t covered.

How can you make a claim on Gallagher emergency response cover for flats?

Making a claim is simple with Gallagher emergency response:

Contact Helpline: Call 0333 000 7967 to report your emergency. Lines are open 24/7 to help you.
Have your policy information ready: Keep your policy number handy to speed up the process.
Documentation
- Helpline staff will record your details and then decide on the best course of action. As they instruct a member of their emergency network if the claim is covered, then there is no documentation required from you (the only exception is if emergency overnight accommodation is authorised where you will need to pay on check-out and obtain a receipt to be reimbursed).

Why choose Gallagher for emergency response cover?

At Gallagher, we provide specialist emergency response cover for flats to help protect you as a property owner. Our policies can cover various properties, including blocks of flats or apartments. We also offer several optional extras to help you customise your policy into one that works for you.

Here are some of the reasons to choose us:

Standard cover with optional extras
Cover for various property types (standard, converted, listed, purpose-built)
Specialist claims advisors offering step-by-step support
24-hour claims service available every day of the year

FP668-2024b

As with all insurance policies, the policy is subject to limits, conditions and exclusions. For full terms and conditions please refer to the policy wording available on request. This document does not purport to be comprehensive or to give legal advice. While every effort has been made to ensure accuracy, Gallagher cannot be held liable for any errors, omissions or inaccuracies contained within the document. Readers are always recommended to take further professional advice before making any decisions.

Frequently Asked Questions

Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Below are some common questions about home emergency cover. Remember, these do not replace the full policy documentation.

What do I need for a Gallagher emergency response cover quote?

To get a quote, you’ll need to provide details about yourself and your block of flats, including information on the level of protection you require. This will help us tailor a policy that suits your requirements. To get started, give us a call on 08000 92 93 94 or fill out our online form.

Is home emergency response cover a legal requirement?

While it’s not legally required, having Gallagher emergency response cover is highly advised. It can help protect you from unexpected financial liabilities and provide added peace of mind in a sudden emergency.

How much does Gallagher emergency response cover cost?

The cost of Gallagher emergency response cover can vary based on several factors, including the level of cover you need, and the number of flats involved. For accurate pricing, please contact Gallagher for a tailored quote.

What is considered a home emergency?

A home emergency is typically an urgent situation that poses an immediate risk to health, safety, or property. This may include significant plumbing failures, security breaches, or electrical malfunctions requiring immediate attention.

Deacon has changed its name to Gallagher – same team, same specialist service. Find out more about Gallagher ajg.com/uk

Emergency Assist Group Insurance