Home emergency
Contracts of insurance for household assistance. Contracts of insurance with an element of service fall within this category, if they relate to household assistance in class 18 of schedule 1 to the Regulated Activities Order 2001.
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.
++ – average claims pay-out for this firm's home emergency add-on product includes claims costs which could include home buildings, home contents as well as home emergency
| Firm | Sales channel | Claims frequency | Claims acceptance rate | Average claims pay-out |
|---|---|---|---|---|
| Acromas Insurance Company Ltd | Add-on | 5% to 7.4% | 92.5% to 94.9% | £150 to £159.9 |
| Admiral Insurance (Gibraltar) Limited | Add-on | 5% to 7.4% | 95% to 97.4% | £180 to £189.9 |
| Ageas Insurance Limited | Add-on | 2.5% to 4.9% | 90% to 92.4% | £170 to £179.9 |
| Amtrust Europe Limited | Add-on | 2.5% to 4.9% | 95% to 97.4% | £240 to £249.9 |
| Aviva Insurance Limited | Add-on | 12.5% to 14.9% | 95% to 97.4% | £130 to £139.9 |
| Brit Syndicates Limited | Add-on | 5% to 7.4% | 95% to 97.4% | £230 to £239.9 |
| DAS Legal Expenses Insurance Company Limited | Add-on | 2.5% to 4.9% | 92.5% to 94.9% | £200 to £209.9 |
| UK Insurance Ltd (UKI) | Add-on | 12.5% to 14.9% | 97.5% to 100% | £170 to £179.9 |
| Great Lakes Insurance SE | Add-on | 7.5% to 9.9% | 77.5% to 79.9% | £120 to £129.9 |
| Liverpool Victoria Insurance Company Limited | Add-on | 7.5% to 9.9% | 90% to 92.4% | £200 to £209.9 |
| Royal & Sun Alliance Insurance Plc ++ | Add-on | 7.5% to 9.9% | 97.5% to 100% | £1,090 to £1,099.9 |
| UK Insurance Ltd (UKI) | Stand alone | 17.5% to 19.9% | 97.5% to 100% | £120 to £129.9 |
| Acromas Insurance Company Ltd | Stand-alone | 5% to 7.4% | 90% to 92.4% | £140 to £149.9 |
| Amtrust Europe Limited | Stand-alone | 15% to 17.4% | 97.5% to 100% | £140 to £149.9 |
| Aviva Insurance Limited + | Stand-alone | 35% to 37.4% | 97.5% to 100% | £90 to £99.9 |
| British Gas Insurance Limited + | Stand-alone | 87.5% to 89.9% | 95% to 97.4% | £100 to £109.9 |
| DAS Legal Expenses Insurance Company Limited + | Stand-alone | 25% to 27.4% | 95% to 97.4% | £120 to £129.9 |
| Great Lakes Insurance SE + | Stand-alone | 32.5% to 34.9% | 85% to 87.4% | £150 to £159.9 |
| Royal & Sun Alliance Insurance Plc | Stand-alone | 5% to 7.4% | 97.5% to 100% | £250 to £259.9 |