Does home emergency cover affect no claims?

Does home emergency cover affect no claims discount in Australia and UK, generally no, home emergency claims usually do not affect no claims bonus for building and contents insurance, as emergency cover is separate add-on or standalone policy with its own claims history. In Australia, building and contents no claims discount is 20% for no claims for 3 to 5 years, and claiming for fire, storm or theft reduces discount, but claiming for home emergency like burst pipe emergency call-out under emergency add-on costing $50 to $150 per year usually does not affect main building no claims bonus, as it is separate benefit with own limit $500 to $1,000 per event, though some insurers like Allianz and NRMA may count emergency claim as claim if repair cost high, so check PDS. In UK, home emergency cover is often separate policy from British Gas or Homeserve, with no claims bonus separate, so emergency claim does not affect main home insurance no claims. However, if emergency leads to building claim for water damage $5K to $20K, that building claim will affect no claims discount, reducing discount 20% and increasing premium 10% to 20% at renewal. So minor emergency call-out $200 to $500 under emergency cover does not affect no claims, but major damage claim under building insurance does. To preserve no claims, use emergency cover for small call-outs and only claim building insurance for large losses over $1,000.