M&S Money is planning to launch Holiday HomeSafe, a new insurance policy to take care of emergency repairs to people's homes while they are on holiday.

M&S Holiday HomeSafe will allow a nominated keyholder to make a claim on the customer’s behalf. This will give both the customer and the keyholder reassurance and peace of mind that emergency repairs can go ahead without interrupting the holiday. It is particularly useful for those whose home insurance does not include cover for emergency repairs.

All the customer needs to do before they go away is call to register their holiday dates and the details of their keyholder. Anyone whose home insurance includes cover for emergency repairs would need to check whether they are covered while on holiday and if so they would have to contact their insurer themselves.

M&S Holiday HomeSafe will provide a key fob giving details of the 24-hour emergency claims number the keyholder can call. From the time of the call, approved professionals aim to arrive within two hours to carry out the necessary repairs. Emergency repairs are covered for up to GBP500 including VAT per claim, with no limit to the number of claims during the policy year. The new product can provide coverage to broken or damaged windows and doors, plumbing problems, blocked drains, roofing problems, failure of gas or electricity, heating faults and loss of all keys to the home.