Home Emergency Assistance Cover

Group Home Emergency Assistance – 24 hours a day, 7 days a week

If an incident occurs in your flat – which might also affect other flats in your block – our Group Emergency Assist cover has been developed to respond quickly to minimise disruption.

We understand how stressful it can be when your property is damaged. That’s why our group emergency assist policy provides you with a helpline which means you can speak to someone 24 hours a day, 7 days a week, 365 days a year. Our policy is designed to help homeowners living in a block of flats who have an emergency incident within communal areas, including stairwells, communal corridors, garden areas, access points and the roof.

If you have home emergency assist in place, you’ll be given a number to call if something goes wrong. An Emergency Assist call handler will advise you on what to do to try and fix the emergency or minimise further damage yourself, or if it is not safe to do so, they will send one of their appointed tradespeople to your home. It’s important to remember that using someone you know generally won’t be covered because they’ve not been approved by the insurer.

Key benefits of our group emergency assist cover*:

  • 24/7 cover
  • Call out charges, parts, labour and VAT (up to £500 per incident)
  • No restriction on number of claims
  • No excess

Examples of when Emergency Assist might be used*

  • Total failure or breakdown of the main heating system in the property.
  • The sudden damage to, or blockage or breakage or flooding of, the drains or plumbing system likely to cause damage to the property or its contents.
  • Damage to or the failure of the toilet bowl or cistern resulting in loss of function providing there is no other toilet in the property.
  • The failure of the property’s domestic electricity or gas supply.
  • The loss of the only available keys if you cannot replace them to gain access to the property.
  • Vermin causing damage inside the property or a health risk to you.
  • Overnight accommodation costs including transport to such accommodation following a home emergency which renders the property uninhabitable.
    Damage to the roof of the property where internal damage has been or is likely to be caused.
    Damage to underground external drainage and/or external water supply pipes including water supply pipes and drains between the property boundary and the point at which the pipes enter or go under the private dwelling; water supply pipes and drains on private land (to which you have legal right of access) between the property boundary and the highway; water supply pipes and drains in the highway if you have this extra responsibility.

For a copy of our guide to Emergency Assist insurance and the cover provided under a standard policy*, click here.



* For full terms and conditions please refer to the policy wording available on request. Blocks of flats, even those comprising only 2 flats, are considered commercial premises for insurance purposes. A specialist blocks of flats insurance policy is the best way to protect the property. *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, Deacon 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.