What’s covered & what’s not
Choosing home cover should feel clear. This guide explains what MyHomeCover plans are designed to help with, what may be excluded, and why your selected plan level matters when you request a repair.
Quick summary
- ✓Each plan includes a different level of home protection.
- ✓Smart Cover is boiler and controls only.
- ✓Smart+ includes boiler, controls, radiators and central heating.
- ✓Total Home Cover includes heating, plumbing, electrics and drainage.
- ✓Repair visits are subject to terms, exclusions and the applicable excess.
Choose the level of cover that fits your home
MyHomeCover offers three plan levels. The right option depends on the parts of your home you want protected and the level of support you need.
Smart Cover
Best for customers who want simple boiler and controls support, subject to plan terms.
- ✓Boiler and controls only
- ✓Suitable for basic protection
- ✓Subject to exclusions and eligibility
Smart+
Best for households that want boiler, controls and central heating protection.
- ✓Boiler and controls
- ✓Radiators included
- ✓Full central heating system
Total Home Cover
Best for customers who want wider home emergency support across heating, plumbing, electrics and drainage.
- ✓Heating protection
- ✓Plumbing support
- ✓Electrics and drainage support
Plan comparison
This table gives a simple overview. Exact cover depends on your plan schedule, property eligibility, engineer diagnosis and the full Terms & Conditions.
| What’s included | Smart Cover | Smart+ | Total Home Cover |
|---|---|---|---|
| Boiler and controls | Included | Included | Included |
| Boiler breakdown support | Subject to plan terms | Included | Included |
| Radiators | Not included | Included | Included |
| Full central heating system | Not included | Included | Included |
| Plumbing | Not included | Not included | Included |
| Electrics | Not included | Not included | Included |
| Drainage | Not included | Not included | Included |
| 24/7 emergency support | Available | Available | Available |
| Repair excess | £75 per applicable repair visit | £75 per applicable repair visit | £75 per applicable repair visit |
What may not be covered?
Like most home cover plans, MyHomeCover has exclusions. These help keep pricing clear and protect against faults that were already present, caused by poor maintenance, or outside the chosen plan.
Boiler & heating exclusions
- !Boilers over 15 years old or unsupported by the manufacturer
- !LPG, oil, solid fuel, biomass, back boilers or warm air units
- !HIUs or shared heating systems
- !Sludge, scale, corrosion or contamination damage
- !Routine maintenance, flushing or topping up systems
- !Flues, chimneys, external pipework or cosmetic damage
- !Manufacturer recalls or design defects
Plumbing & drainage exclusions
- !Blockages caused by misuse, fat, grease, wipes or sanitary items
- !Shared drains or pipes outside your property boundary
- !Frozen pipes unless permanently damaged
- !Taps, showerheads or decorative fittings
- !Swimming pools, ponds, irrigation or external water supplies
Electrical exclusions
- !Power cuts or outages caused by your supplier
- !Appliances, white goods or consumer electronics
- !External or garden lighting and decorative systems
- !Rewiring, upgrades or improvements
- !Smart devices, Wi-Fi or internet connectivity
- !Damage caused by DIY or negligence
General exclusions
- !Pre-existing faults before your cover start date
- !Costs incurred before claim approval
- !Fire, flood, storm, subsidence or natural disasters
- !Neglect, misuse or deliberate damage
- !Theft, loss of possessions or cosmetic damage
- !Consequential loss, such as hotels or loss of earnings
- !Properties unoccupied for more than 60 days
- !Commercial or rental properties unless declared
- !Landlord responsibilities, such as Gas Safety Certificates
Need the full legal wording?
This page is designed to make cover easier to understand, but it does not replace the full Terms & Conditions. Please read the full terms before signing up.
Your responsibilities
To help us support you properly, customers need to provide accurate information, allow reasonable access and ensure systems are properly maintained.
| Responsibility | Why it matters |
|---|---|
| Provide accurate information | Your plan and pricing depend on the information you give when signing up. |
| Keep your system maintained | Poor maintenance, sludge, scale or corrosion may affect whether a repair is covered. |
| Report issues promptly | Delaying a repair request can make faults worse and may affect what can be repaired. |
| Do not arrange work before approval | Costs incurred before claim approval are not usually covered. |
| Allow reasonable access | Engineers need safe and reasonable access to inspect and repair covered issues. |
Common cover questions
Simple answers about cover levels, exclusions, excess payments and repair requests.
Is everything covered as soon as I join?
No. Cover is subject to your start date, plan terms, eligibility, exclusions and any waiting period that applies. Pre-existing faults are usually not covered.
What is the £75 excess?
The £75 excess is payable where a repair visit is required. It must usually be paid before engineer attendance is arranged.
Are old boilers covered?
Boilers over 15 years old or unsupported by the manufacturer may not be covered. Always check your plan terms before signing up.
Is sludge or poor water quality covered?
Damage caused by sludge, scale, corrosion or contamination is usually excluded. Keeping your system maintained helps reduce the chance of problems.
Does Smart Cover include plumbing and electrics?
No. Smart Cover is boiler and controls only. Plumbing, electrics and drainage are associated with Total Home Cover.
What happens if something is not covered?
If an issue is not covered, we will explain why and let you know what options are available. You may still be able to arrange a repair separately.
Where can I read the full terms?
You can read the full legal wording on our Terms & Conditions page. This should be checked before signing up.
Ready to compare cover?
Compare Smart Cover, Smart+ and Total Home Cover to choose the right level of protection for your property.