Frequently Asked Questions

We define an emergency as a sudden or unforeseen incident which immediately exposes you to health risks, creates an immediate risk of loss or damage to your property or the contents inside or any incidents that immediately render your property uninhabitable. Electrical Emergency examples may include:

• complete power failure,
• accidentally exposed live wires and risk of electrocution,
• smouldering and smoking wiring, subject to the terms and conditions of cover.

You are covered for the provision of temporary repairs required to eliminate the emergency. However in some instances, a permanent repair may be effected if the repair costs involved would be equal to the cost of a temporary repair. All permanent repairs will right the damage caused by the incident.

Print our full terms and conditions document for a full list of exclusions, examples of which include:

• breakdown of central heating,
• loss or damage to any contents of the property,
• routine servicing or maintenance,
• the cost of replacement due to normal wear and tear,
• existing problems,
• any consequential loss or costs associated with the loss of use of the property,
• faults occurring outside the boundary of the property,
• call out charges where there is no emergency,
• repairs which are not carried out by our authorised contractors.

To be eligible to purchase this policy, you must be the legal owner of the property, the property must be located within the mainland UK, Isle of Man or Isle of Wight and must not be used for commercial purposes of any nature including but not limited to the letting of the property.

There is a maximum liability of £2,000 including VAT during the 12 month policy term.

In an emergency, simply call our helpline on 0870 060 1591. Lines open 24 hours a day, 365 days a year. There is no paperwork and we pay the tradesmen directly, up to your cover limits.

Your cover will start 14 days after receipt of your application. The start date will be shown clearly on your Policy Schedule.

If you wish to take advantage of our low monthly payments, you can buy now online or you can call us on 0800 294 7300 to set up a Direct Debit. Alternatively, you can pay the annual premium by Credit Card.

Electrical Emergency Insurance is administered by TWG Services Limited, whose head and registered offices are at Eaton House, 152-158 Northolt Road, Harrow, Middlesex, HA2 0EA, registered number 1883565. TWG Services Limited are authorised and regulated by the Financial Services Authority FRN 312440.
The insurance is underwritten by London General Insurance Company Limited (LGI), whose head and registered offices are at Eaton House, 152-158 Northolt Road, Harrow, Middlesex, HA2 0EA, registered number 1865673. London General Insurance Company Limited are authorised and regulated by the Financial Services Authority FRN 202689.