Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.
Home emergency cover
2 products reviewed
Boiler Breakdown Cover
2 products reviewed
Intelligent Insurance
Home Emergency Cover Plus
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.76
|
| No claims period (Boiler) |
7.00
|
| Boiler repair cover limit |
£1,000.00
|
| No claims period |
7.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£250.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Comes as standard with home insurance
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.76
|
| Underwriter |
AmTrust Specialty Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£1,000.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£50.00
|
| Boiler age exclusions |
15.00
|
| No claims period for boiler replacement |
7.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£250.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£250.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£250.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£3.00
|
| Primary flue | Yes |
| Boiler controls | No |
| Alternative accommodation cover |
Sum insured
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | Yes |
| Date of price collection |
2026-03-09
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | Yes |
Intelligent Insurance
Home Emergency Cover
| Feature | Value |
|---|---|
| Minimum excess |
£0.00
|
| Premium (minimum excess applied) |
£4.76
|
| No claims period (Boiler) |
0.00
|
| Boiler repair cover limit |
£0.00
|
| No claims period |
7.00 days
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. |
£0.00
|
| Getting access and reinstatement |
£0.00
|
| Type of pricing |
Comes as standard with home insurance
|
| Maximum excess |
£0.00
|
| Premium (maximum excess applied) |
£4.76
|
| Underwriter |
AmTrust Specialty Limited
|
| Unoccupied period |
30
|
| Individual call out cover limit for boiler repairs |
£0.00
|
| Time limit |
N/A
|
| Temporary emergency heating |
£0.00
|
| Boiler age exclusions |
No exclusion
|
| No claims period for boiler replacement |
0.00
|
| Boiler replacement (BER) within 0-4 years cover limit |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. |
£0.00
|
| Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. |
£0.00
|
| Boiler replacement (BER) within 8-10 years cover limit |
£0.00
|
| Boiler replacement (BER) 11-15 years cover limit |
£1.00
|
| Primary flue | No |
| Boiler controls | No |
| Alternative accommodation cover |
Covered under the home insurance policy
|
| Internal gas supply pipe cover | Yes |
| Annual boiler service | No |
| Repairs guarantee |
12 months
|
| 24/7 claims helpline | Yes |
| Primary heating system | No |
| Date of price collection |
2026-03-09
|
| Plumbing & drainage cover | Yes |
| Electrical breakdown | Yes |
| Pest | Yes |
| Security | No |
Home insurance (building and contents)
5 products reviewed
Buildings insurance
1 product reviewed
Intelligent Insurance
Home Insurance (Arkel)
| Feature | Value |
|---|---|
| Escape of water excess for buildings |
£500.00
|
| Matching sets (Buildings) |
50% of the cost of replacing the undamaged parts
|
| Frozen pipes | Yes |
| Trace and access |
£5,000.00
|
| Underground pipes, cables and tanks |
Optional
|
Contents insurance
1 product reviewed
Intelligent Insurance
Home Insurance (Arkel)
| Feature | Value |
|---|---|
| Matching sets (contents) |
50% of the cost of replacing the undamaged parts
|
| Theft from outbuildings |
£5,000.00
|
| Cover for items away from home |
Optional
|
| Money in the home |
£500.00
|
| Property owner liability |
£2,000,000.00
|
| Escape of water excess (minimum) |
£500.00
|
Home Legal Cover
2 products reviewed
Intelligent Insurance
Family Legal Protection Plus
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£50,000.00
|
| Employment - employee | Yes |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£100.00
|
| Employment - excess |
£100.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
N/A
|
Intelligent Insurance
Family Legal Protection
| Feature | Value |
|---|---|
| Limit of indemnity per claim |
£25,000.00
|
| Employment - employee | No |
| Property damage | Yes |
| Contract disputes - pursue | Yes |
| Property disputes | Yes |
| Standard advisors cost |
£100.00
|
| Employment - excess |
£0.00
|
| Contract disputes - defend | Yes |
| Data protection | No |
| Jury service - maximum indemnity limit |
N/A
|
Landlord
1 product reviewed
Intelligent Insurance
Home Insurance (Landlord)
| Feature | Value |
|---|---|
| Buildings Maximum Sum Insured |
£1,000,000.00
|
| Loss of Rent Sum Insured (Buildings) |
sum insured
|
| Contents Maximum Sum Insured |
£100,000.00
|
Our unique Customer Experience Ratings help consumers find companies that offer a good service.
Home insurance (building and contents)
Ranked 46th of 47 providers reviewed
| Customer happiness score | 43.14% |
|---|---|
| Customer trust score | 37.84% |
| Complaints performance | 61.79% |
| Transparency rating | 59.27% |
|
Fairer Finance Score Reviewed Autumn 2026 |
50.51% |