Updated September 29, 2026 · AssureCue Editorial Team
Home Emergency Assist vs Select & Protect
Home Emergency Assist vs Select & Protect: the differences
| Compare |  Home Emergency Assist |  Select & Protect |
|---|---|---|
| Insurance types | Home emergency, Gadget | Travel, Pet, Home, Home emergency, Legal expenses |
| Excess from | £0Lower | £50 |
| Cover limit | Up to £3,000 | Up to £10 million medical expenses - Gold travel policy |
| Claims channels | Phone, Online | Online, Phone, EmailCovers more |
| Age range | Boilers up to 15 years, appliances under 10 | Single-trip up to 100 |
| Premium from | £2.36 | Not confirmed |
Same on both: Provider type (Broker), Monthly payments (Yes).
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Key differences
- Excess from is lower at Home Emergency Assist: £0 vs £50.
- Insurance types: only Home Emergency Assist offers Gadget.
- Insurance types: only Select & Protect offers Travel, Pet, Home.
- Claims channels: only Select & Protect offers Email.
- Support channels: only Select & Protect offers Help centre.
Our verdict on each
Home Emergency Assist
Home Emergency Assist suits people comparing low entry home emergency help alongside gadget cover with billing on monthly through a broker setup. Premium of £2.36 pairs with cover of Up to £3,000 with excess of £0 while claims run through phone and online and support through email, chat and phone.
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 | Home Emergency Assist | Select & Protect |
|---|---|---|
| Cost | 9.4HigherEntry pricing shown by premium of £2.36 alongside excess of £0. | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. |
| Offer | 8.8Focused scope spanning home emergency and gadget with monthly structure on monthly. | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. |
| Trust | 8.8Broker arrangement shown as broker with licence 584710. | 8.8Operates as broker under licence 597211. |
Where each is licensed and available
| Country | Home Emergency Assist | Select & Protect |
|---|---|---|
| United Kingdom | Financial Conduct Authority 584710 | Financial Conduct Authority 597211 |
Available in 1 country for both.
Side by side, item by item
| Insurance types | Home Emergency Assist | Select & Protect |
|---|---|---|
| Home | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Gadget | Yes | No |
| Home emergency | Yes | Yes |
| Legal expenses | No | Yes |
Where they rank in our lists
| Ranking | Home Emergency Assist | Select & Protect |
|---|---|---|
| Home emergency cover | 6 of 11 | 7 of 11 |
Every fact side by side
| Fact | Home Emergency Assist | Select & Protect |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Home Emergency Assist Limited | Hood Group Limited |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Email, Chat, Phone | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Home Emergency Assist | Select & Protect | Median |
|---|---|---|---|
| Premium from | £2.36lowest quarter | Not confirmed | £7.95 |
| Excess from | £0below the median | £50above the median | £25 |
Median across 51 listed insurance providers.
Pros and cons
Home Emergency Assist
Pros
- Premium of £2.36 keeps entry cost modest for home emergency comparison.
- Cover of Up to £3,000 with excess of £0 leaves free excess on valid call outs.
- Claims through phone and online and support through email, chat and phone keep phone contact open.
Cons
- Age rules of Boilers up to 15 years, appliances under 10 limit eligibility where kit is older.
- Operates as broker so cover is arranged rather than carried directly.
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
Home Emergency Assist
Who it suits
- Renters and owners seeking low entry call out help for sudden faults.
- Households that also want gadget cover beside home emergency.
Who should look elsewhere
- Shoppers wanting Hiscox pricing at premium of $29.16 rather than this entry point.
- Shoppers wanting Allianz Malaysia breadth across auto, motorcycle and home rather than a narrow home emergency focus.
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 | Home Emergency Assist | Select & Protect |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Home Emergency Assist
What does entry cover cost?+
Premium of £2.36 is the listed entry point for home emergency shoppers. Monthly payments are noted as yes, and billing follows monthly, which helps spread cost across the year rather than in a single payment.
How much can be claimed per emergency?+
Cover of Up to £3,000 applies to home emergency events, with excess of £0 on valid claims. That structure means eligible call out, parts and labour fall within the stated limit, subject to policy terms and exclusions.
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.