Home emergency
Contracts of insurance relating to household assistance. Contracts of insurance which include an element of service fall within this category provided they relate to household assistance which falls within class 18 of schedule 1 to the 2001 Regulated Activities Order.
Key:
+ – pilot data for this firm reflects the cost of the home emergency and excludes the cost of the regular boiler service which will typically be part of the product for some or all customers.
| Firm | Sales type | Claims frequency | Claims acceptance rate | Average claims pay-out |
|---|---|---|---|---|
| Amtrust Europe Limited | Stand-alone | 12.5% to 14.9% | 75% to 79.9% | £220 to £239.90 |
| Aviva Insurance Limited + | Stand-alone | 25% to 29.9% | 95% to 100% | £80 to £99.90 |
| British Gas Insurance Limited + | Stand-alone | 80% to 89.9% | 95% to 100% | £100 to £119.90 |
| DAS Legal Expenses Insurance Company Limited + | Stand-alone | 25% to 29.9% | 95% to 100% | £100 to £119.90 |
| Great Lakes Reinsurance (UK) SE + | Stand-alone | 35% to 39.9% | 90% to 94.9% | £200 to £219.90 |
| Prosight Specialty Managing Agency Limited | Stand-alone | 90% to 100% | 95% to 100% | £100 to £119.90 |
| Royal & Sun Alliance Insurance Plc | Stand-alone | 5% to 7.4% | 95% to 100% | £200 to £219.90 |
| U K Insurance Limited | Stand-alone | 7.5% to 9.9% | 95% to 100% | £120 to £139.90 |
| Admiral Insurance (Gibraltar) Limited | Add-on | 2.5% to 4.9% | 90% to 94.9% | £120 to £139.90 |
| Ageas Insurance Limited | Add-on | 2.5% to 4.9% | 90% to 94.9% | £120 to £139.90 |
| Amtrust Europe Limited | Add-on | 2.5% to 4.9% | 70% to 74.9% | £220 to £239.90 |
| Aviva Insurance Limited | Add-on | 7.5% to 9.9% | 90% to 94.9% | £120 to £139.90 |
| Brit Syndicates Limited | Add-on | 5% to 7.4% | 80% to 84.9% | £240 to £259.90 |
| DAS Legal Expenses Insurance Company Limited | Add-on | 2.5% to 4.9% | 90% to 94.9% | £180 to £199.90 |
| Great Lakes Reinsurance (UK) SE | Add-on | Below 2.5% | Unavailable | £140 to £159.90 |
| Liverpool Victoria Insurance Company Limited | Add-on | 5% to 7.4% | 90% to 94.9% | £200 to £219.90 |
| U K Insurance Limited | Add-on | 7.5% to 9.9% | 95% to 100% | £140 to £159.90 |