I would be very wary of the halifax home emergency cover insurance.There is a key exclusion which is mentioned only twice in the entire document. And it is not mentioned at all in any of the online information you have to go into the policy. And do a search for 'trace'.All of the information you read about it makes you think that if you had a burst pipe, they will come out nd remedy the matter and make your property safe, secure.This is not necessarily the case.Because if they cannot visually see where the leaking pipe, they will not do any work.And they insist that you get a third party to come out to trace the leak before they will come out to do any fix.If you had a leaking radiator absolutely brilliant, they can probably see the leak.And they can fix it, and this is something that happened A few years ago for me and it was great.This year on christmas day, water starts to leak through the ceiling in the kitchen.They will not offer any assistance whatsoever.Unless I first find a plumber to come out and locate the leak, and then they are willing to send somebody out to fix it.Absolutely, this is in their terms and conditions and you cannot dispute it whatsoever.This effectively means, however, is it.If you have a leak and you cannot visually see it there are no use to you whatsoever, because if you have already taken time to get a plumber out to do the tracing, then he might as well as fix it. Your alternative is to start hacking holes in your own ceiling, risking life and limb, because you don't know what's up there, you don't know where the electrics are.You don't know what could possibly happen.I phoned up they could not get to that question fast enough. They were desperate to get me off the phone Because they knew that it needed to be traced.I have had the good and the bad of halifax, home emergency cover and I would say that it is not actually worth a great deal when you truly need it for something that is a real emergency.So if you want some sort of cover where they will fix something that's visible, then I suppose, it's not a bad price.But when you are really in trouble, the halifax are not there for you.
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It is named after the town of Halifax, West Yorkshire where it was founded as a building society in 1853.