Home Emergency cover with my Home insurance was paid for but this company is online only use the third party for the Emergency cover. My bathroom tap was leaking and that's not covered under the cover. This online providers only want your premium without providing the cover. Their underwriters are Aviva and they don't want to know any customer issues as Aviva only interested in their cut of the premium. Don't risk your hard earned money to buy this type of cover as "Pay first and we may or may not provide you service when you need it" it's cheaper and easy to pay local treads man than Insurance cowboys.