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electrical emergency and breakdown cover
Electrical Cover Reviews

Reviews completed by customers who've used their electrical emergency & breakdown policy

Electrical Emergency and Breakdown Cover

Don't let an electrical breakdown leave you in the dark. With Electrical Emergency and Breakdown Cover, arranged and administered by HomeServe and underwritten by Aviva Insurance Limited, we'll send an engineer to your home if you're without power.

Plus we'll even cover you for DIY accidents – so if you do damage your electrics by mistake you'll have access to a network of HomeServe approved tradesmen to help get things sorted.

House diagramElectrical emergency breakdown iconFailed/broken light sockets (not including bulb replacements)Electrical emergency breakdown iconFailed/broken light sockets (not including bulb replacements)Electrical emergency breakdown iconFailed wiring to the shower unitElectrical emergency breakdown iconFailed/broken light switchesElectrical emergency breakdown iconFailed/broken light sockets (not including bulb replacements)Electrical emergency breakdown iconRepair wiring to permanent security lighting attached to the buildingElectrical emergency breakdown iconRepair/replace broken fuseboxElectrical emergency breakdown iconFailed/broken light switchesElectrical emergency breakdown iconFailed/broken plug socketsElectrical emergency breakdown iconFailed/broken plug sockets

What's included?

  • Electrical emergency and breakdowntick

While cover includes many things there are some exclusions. Please refer to the Policy Summary.

Who can buy Electrical Emergency and Breakdown Cover?


People who are
Homeowners tick

But not
Landlords / tenants cross


People who live in
Houses, bungalows and flats tick

But not
Mobile homes and bedsits cross

For full eligibility information please see 'Are you eligible to apply?' in the important information section below.

What our customers say

Electrical Cover reviews verified by Reevoo

169 reviews in the past 12 months

Reviews from: Sort by:
(8.8 out of 10)
Communication with claims team
Ease of arranging an appointment
Professionalism and friendliness of the staff
Communication of claims progress
Quality of engineers repairs
The timeliness of the engineer
Value for money
Overall rating
Scores 8.8 out of 10 based on 169 reviews
Show more score details
Reviews and scores from the last 12 months.
(9 out of 10)


Excellent Electrician
Reviewer left no comment
Confirmed purchase: 31 December 2015
Published on: 05 February 2016
(10 out of 10)

C Clarke

Woking GB
Reviewer left no comment
The wiring had burnt out so the new power point had to be put in UPSIDE DOWN otherwise what was left of the existing wires were not long enough to be joined to it. So now we have an upside-down power point which looks very peculiar and of course the plugs have to be put in upside down. That's why I only gave 6 but it was not the engineer's fault, as to put new wiring in would have been a very major job. I think perhaps we should have been told it was only a temporary repair and someone should have come back later to do it properly. BUT maybe only temporary repairs are covered under this policy? I'd like to know!
Confirmed purchase: 23 December 2015
Published on: 02 February 2016
(10 out of 10)


Essex GB
Great service no waiting about for someone to come and do the job.
Reviewer left no comment
Confirmed purchase: 08 January 2016
Published on: 02 February 2016

Frequently asked questions

How do I apply for this policy?

To apply for this policy, please click 'Apply online' or you can chat to us online.

To make the application process as smooth as possible, please make sure you have the following information to hand:

  • Details of the property you want to cover
  • A valid email address
  • Credit / debit card or bank details (for direct debit payments)

How soon after purchasing can I make a claim?

This policy has an initial 14 day exclusion period within which you'll not be able to make a claim. Please see the policy documents for more details.

How do I make a claim?

First, check that your problem is covered by checking your policy documents.

If the incident or emergency is covered by your policy, please visit our claims page to find out how to register your claim or call 0800 923 8010.*

How does HomeServe vet its tradesmen?

We're careful to vet all HomeServe approved tradesmen. We do this by:

  • Inspecting jobs upon completion
  • Taking a copy of their Public Liability Certificate
  • Validating their relevant trade certificates
  • Getting them to agree to our Service Level Agreements and Key Performance Indicators
  • Getting them to sign the HomeServe Health and Safety Statement.

Important information

Prices include all fees and Insurance Premium Tax (IPT).

Are you eligible to apply?
This policy is for homeowners only. Retail, commercial and other premises used for business are not eligible for this cover, and council and housing association tenants will not need this service. The property must be your permanent home and owned and solely occupied by you and your family as a private residence with no business use. Mobile homes, bedsits, sub-divided homes and let and sub-let properties are not covered.

Are you covered elsewhere?
You may be covered for electrical emergencies and breakdowns elsewhere. Please check the Terms and Conditions of any other policies you may hold, such as your home insurance, so you are not paying for cover you do not need.

What happens after the first year?
The price will increase at renewal. Currently customers in their second year are paying £61.44 for this policy provided they have made no claims. If you pay by Direct Debit or credit/debit card, excluding Maestro payments, your cover will automatically renew unless you tell HomeServe otherwise. If you choose any other method of payment you will be sent an invitation to renew prior to your renewal date.

Who provides this cover?
This policy is underwritten by Aviva Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Aviva Insurance Limited is registered in Scotland, company no. 2116 and the registered address is Pitheavlis, Perth, PH2 0NH.

This policy is sold, arranged and administered by HomeServe, which is a trading name of HomeServe Membership Limited, Cable Drive, Walsall, WS2 7BN (registered in England company no. 2770612) which is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under Financial Services Register number 312518. The regulatory status of Aviva Insurance Limited and HomeServe can be checked by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

*Calls may be recorded for quality control and training purposes. Calls to 0800/0808 numbers are free from landlines and mobile phones, and will not be taken from your mobile phone inclusive call minutes. Lines are open 8am to 8pm weekdays, 8am to 4pm Saturday and 10am to 4pm Sunday.