What Is AZP HE Cover on Bank Statement? (UK Home Emergency Explained)(2026)

“AZP HE COVER” on your bank statement is a Direct Debit for Home Emergency Cover provided by Allianz Partners (formerly Allianz Worldwide Partners). AZP is the abbreviated billing name for Allianz Partners, and HE COVER stands for Home Emergency Cover. This policy is commonly sold as an add-on to home insurance through Lloyds Bank, Halifax, and Bank of Scotland.

Key Takeaways

• AZP HE COVER stands for Allianz Partners Home Emergency Cover.
• Allianz Partners operates in the UK through AWP P&C S.A. (UK Branch), registered at 102 George Street, Croydon, CR9 6HD.
• AWP P&C S.A. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA).
• This cover is commonly bundled with Lloyds Bank, Halifax, and Bank of Scotland home insurance policies as an optional add-on.
• It provides 24/7 emergency call-out for heating breakdowns, plumbing and drainage issues, electrical failures, roofing damage, security and glazing, and pest infestations.
• Typical charges range from £3 to £8 per month depending on the policy level.
• Many UK consumers report not realising they opted into this cover when purchasing home insurance.
• To find and track AZP charges across your statements, convert your PDF bank statements into searchable spreadsheets with Your Bank Statement Converter.

What Is AZP HE Cover on Bank Statement?

AZP HE COVER is a recurring Direct Debit payment for a Home Emergency Service (HES) policy underwritten by Allianz Partners. The abbreviation breaks down as:

• AZP = Allianz Partners (the insurance underwriter)
• HE = Home Emergency
• COVER = Insurance cover/policy

Allianz Partners is the assistance and insurance division of Allianz SE, one of the world’s largest financial services companies. In the UK, Allianz Partners operates through AWP P&C S.A. (UK Branch), registered at 102 George Street, Croydon, CR9 6HD (Registered Branch No. BR015275). The entity is authorised by the Prudential Regulation Authority and regulated by both the PRA and the FCA.

The charge appears on your bank statement as a monthly Direct Debit. Related descriptors you might also see include:

• AZP HE COVER
• AZP HOME EMERGENCY
• AWP P&C S.A. – UK
• AWP P&C S.A. – UK BRAN
• AWP P C SA
• ALLIANZ PARTNERS

How Did AZP HE Cover End Up on My Statement?

Most people acquire AZP HE Cover through one of these routes:

Bundled with Lloyds Banking Group home insurance. Allianz Partners has a partnership with Lloyds Banking Group to provide Home Emergency Cover to Lloyds Bank, Halifax, and Bank of Scotland home insurance customers. The cover may have been offered as an optional add-on during your insurance purchase, and you may have opted in without realising it was a separate, chargeable product.

Included with a Premier bank account. Bank of Scotland and Lloyds Bank Premier Account customers receive Home Emergency Cover as a free benefit. However, if you downgraded from a Premier Account, the cover may have converted to a paid Direct Debit that continued charging.

Added during a phone renewal. Some customers report the cover being added during a home insurance telephone renewal call. The opt-in may have been verbal and easy to miss during a lengthy conversation.

MBNA home insurance add-on. MBNA (part of Lloyds Banking Group) also offers Home Emergency Cover underwritten by AWP P&C S.A. as a bolt-on product.

According to reports on MoneySavingExpert forums, multiple UK consumers have discovered AZP HE COVER Direct Debits on their statements without clear recollection of signing up. Some found the Direct Debit was set up days or weeks after the initial insurance purchase.

What Does AZP Home Emergency Cover Include?

The Allianz Partners Home Emergency Cover typically provides:

• Primary heating system failures including boiler breakdowns
• Plumbing and drainage emergencies such as burst pipes and blocked drains
• Electricity supply failures within the home
• Roofing damage causing water ingress
• Security and glazing including broken external door locks and window damage
• Pest infestations including rats, mice, wasps, and hornets
• Gutters and downpipes damage causing flooding risk
• Uninhabitable accommodation costs if your home becomes unsafe to live in

The policy provides a 24/7 UK-based helpline staffed by trained advisors. If the issue cannot be resolved over the phone, a qualified tradesperson from Allianz Partners’ nationwide network is dispatched. Cover includes call-out charges, parts, materials, and labour up to £1,000 (including VAT) per emergency with no excess.

Exclusions include underfloor heating systems, domestic appliances, blocked toilets where another toilet is available, and homes left unoccupied for more than 60 consecutive days.

How Much Does AZP HE Cover Cost?

Charges vary depending on the policy level and how it was sold. Typical costs reported by UK consumers range from £3.50 to £7.99 per month. Some customers on MoneySavingExpert have reported charges around £43.68 annually as a single payment.

If you see a charge in this range labelled “AZP HE COVER,” it is most likely a legitimate Home Emergency insurance premium.

How to Cancel AZP HE Cover

If you no longer want this cover:

1. Call Allianz Partners on 0208 603 9653 and request cancellation. Have your policy number or Direct Debit reference ready.
2. Cancel the Direct Debit through your bank’s online banking to prevent further charges. Under the Direct Debit Guarantee, you have the right to cancel a Direct Debit at any time.
3. Check your home insurance policy. If the cover was bundled with Lloyds, Halifax, or Bank of Scotland home insurance, confirm with your insurer that cancelling HE Cover does not affect your main home insurance policy.
4. Request a refund if you believe you were enrolled without clear consent. Allianz Partners typically processes goodwill refunds within 7 to 10 working days for cases where no policy documents were sent.

How to Verify an AZP HE Cover Charge

1. Check your email for policy documents from Allianz Assistance, Allianz Partners, or AWP P&C S.A.
2. Review your home insurance documents. Look for any mention of Home Emergency Cover as an add-on.
3. Check your Direct Debits through your online banking. The originator name should show Allianz Partners or AWP P&C.
4. Call Allianz Partners on 0208 603 9653 with the charge date and amount. They can look up your policy using your bank details.
5. Convert your bank statement using Your Bank Statement Converter to filter for “AZP,” “AWP,” or “Allianz” and see every related charge across multiple months.

Related Bank Statement Guides

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• What Is Premium Credit Ltd on My Bank Statement?
• What Is MSI Insurance on the Bank Statement?
• What Is GoCardless on Bank Statement?
• What Does BGC Mean on Bank Statement?

Conclusion

“AZP HE COVER” on your bank statement is a Direct Debit for Home Emergency Cover from Allianz Partners, underwritten by AWP P&C S.A. It is commonly attached to Lloyds Bank, Halifax, or Bank of Scotland home insurance policies. If you don’t recall signing up, call Allianz Partners on 0208 603 9653 to verify the policy and request cancellation or a refund if appropriate. Use Your Bank Statement Converter to convert your statements into searchable spreadsheets and track every AZP and insurance-related charge.

Frequently Asked Questions