Updated September 29, 2026 · AssureCue Editorial Team
Coverbaloo Home Emergency vs Select & Protect
Where Coverbaloo Home Emergency and Select & Protect differ
| Compare | Coverbaloo Home Emergency ReviewSee alternativesSee alternatives |  Select & Protect |
|---|---|---|
| Insurance types | Home, Home emergency, Travel | Travel, Pet, Home, Home emergency, Legal expensesCovers more |
| Excess from | £0 to £45Lower | £50 |
| Cover limit | £1,000 or £3,000 per year | Up to £10 million medical expenses - Gold travel policy |
| Claims channels | Email, Phone | Online, Phone, EmailCovers more |
| Premium from | £6.50 | Not confirmed |
| Age range | Not confirmed | Single-trip up to 100 |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- Excess from is lower at Coverbaloo Home Emergency: £0 to £45 vs £50.
- Insurance types: only Select & Protect offers Pet, Legal expenses.
- Claims channels: only Select & Protect offers Online.
- Support channels: only Select & Protect offers Chat.
Our verdict on each
Coverbaloo Home Emergency
Coverbaloo Home Emergency suits renters and owners seeking monthly home emergency protection with phone claims support, with premium starting at £6.50 alongside cover up to £1,000 or £3,000 per year per year. Monthly payments are available, while excess terms vary by plan within £0 to £45, so check plan details before purchase.
Select & Protect
Select and Protect suits seniors and households wanting travel, pet, home and emergency cover arranged in a shared place. Travel excess sits at £50 with Monthly payments marked yes, while Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy.
Score breakdown
| Area | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| Cost | 9.2HigherPremium starts at £6.50 with monthly payments spreading cost across the year | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. |
| Offer | 8.9Covers home emergency risks within home, home emergency and travel with yearly limits of £1,000 or £3,000 per year and claims via email and phone | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. |
| Trust | 8.8Acts as broker in GB under Financial Conduct Authority licence 517325 | 8.8Operates as broker under licence 597211. |
Side by side, item by item
| Insurance types | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| Home | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Home emergency | Yes | Yes |
| Legal expenses | No | Yes |
Pick Coverbaloo Home Emergency if, pick Select & Protect if
Pick Coverbaloo Home Emergency if excess from matter most.
Pick Select & Protect if offer, insurance types, and claims channels matter most.
Where they rank in our lists
| Ranking | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| Home insurance | 178 of 272 | 180 of 272 |
| Travel insurance | 197 of 291 | 199 of 291 |
| Home emergency cover | 5 of 11 | 7 of 11 |
Where each is licensed and available
| Country | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| United Kingdom | Financial Conduct Authority 517325 | Financial Conduct Authority 597211 |
Available in 1 country for both.
Every fact side by side
| Fact | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | coverbaloo Ltd | Hood Group Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Help centre, Phone | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Coverbaloo Home Emergency | Select & Protect | Median |
|---|---|---|---|
| Premium from | £6.50below the median | Not confirmed | £7.95 |
| Excess from | £0 to £45below the median | £50above the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Coverbaloo Home Emergency
Pros
- Premiums start at £6.50 with monthly billing and Monthly payments available
- Yearly cover of £1,000 or £3,000 per year for approved home emergencies
- Claims via email and phone with support through email, help centre and phone
Cons
- Excess varies within £0 to £45, so some plans add upfront cost at claim
- Cover focus stays within home, home emergency and travel, which limits relevance beyond home related needs
Select & Protect
Pros
- Travel cover notes seniors with age reach at Single-trip up to 100, which suits older travellers.
- Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy, giving generous emergency care headroom abroad.
- Monthly payments is marked yes with pet billing on monthly, helping you spread costs.
Cons
- As broker, policy terms and claims handling sit with partner insurers rather than Select and Protect itself.
- Travel excess applies at £50, so modest claims may leave you funding a visible share yourself.
- Cover focuses on travel, pet and home, so riders seeking auto or life cover may prefer die Bayerische.
Who each suits
Coverbaloo Home Emergency
Who it suits
- Occupants seeking monthly home emergency cover with phone claims via email and phone, rather than Hiscox where premium starts at $29.16
- Households comparing low entry premium at £6.50 against andsafe at €3.63 for emergency protection
Who should look elsewhere
- Travellers seeking broad travel cover rather than home emergency focus within home, home emergency and travel, where die Bayerische may fit with premium from €2.09
Select & Protect
Who it suits
- Seniors seeking travel cover with later life age reach, where andsafe may feel less focused on that group.
- Households wanting pet, home and legal expenses together, where Hiscox may feel more home and landlord led.
Who should look elsewhere
- Riders seeking auto or motorcycle cover, where Hiscox may fit better given its broader motor related options.
- Households seeking life, health or income protection, where die Bayerische may fit better given its wider personal cover range.
Country by country
| Country | Coverbaloo Home Emergency | Select & Protect |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Coverbaloo Home Emergency
How much does Coverbaloo Home Emergency cost?+
Premium starts at £6.50 for home emergency cover. Plans use monthly billing, and Monthly payments are available to spread cost through the year. Final pricing depends on the selected cover limit and excess, so review the quote summary before purchase.
What cover limit applies?+
Cover limits are £1,000 or £3,000 per year per year depending on the chosen plan. The limit caps the amount payable for approved emergency repairs during the policy year. Check what counts as an emergency, plus any per claim restrictions, in the policy wording before purchase.
Select & Protect
What excess applies to a Select and Protect travel claim?+
Travel excess applies at £50. You fund that share of each approved claim, with the insurer meeting the balance under policy terms. Review the schedule before you buy so the outlay feels clear and expected.
Can you spread premiums with monthly payments?+
Monthly payments is marked yes and pet cover uses monthly. You can spread premiums across the year rather than settling the full term in a lump sum. Check whether instalment terms add fees or alter cancellation rights.
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