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Many are contractors working on overnight construction projects or do-it-yourselfers tending to home emergencies.
Cover for accidental damage cover (including DIY disasters) and home emergencies usually have to be added as optional extras.
As well as boiler-only cover, you can take out cover for home emergencies; this is usually fairly cheap but may offer less cover.
Insurance on mobile phones, bikes, home emergencies and extended warranties may be the first to go when you are looking to make savings.
Ben Wilson at Gocompare.com, says two thirds of home contents policies provide cover for home emergencies either as a standard feature or as an additional extra, typically for around £30 to £50.
Victimisation, privacy breach, home emergencies and road accidents are prevalent vulnerabilities in both Accra and London.
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■ Keep a prepared home emergency kit.
A home emergency kit should not be a luxury item.
But I decided to include "home emergency" cover for an extra £50.
As with boiler-only plans, it may be possible to add home emergency cover to your annual contents insurance policy.
Emergency cover Home emergency cover can be bought separately to cover problems such as leaking roofs, broken windows, boilers that have stopped working and failing central heating systems.
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