We had a gas leak which meant have our gas was shut off (no hot water or heat) and our floors opened up to find the leaking gas pipe. RAC consider this to be an emergency so I tried to make a claim on my emergency policy, which they told us (at first) should be no problem. In the policy t & cs gas leaks are not listed in the exceptions (unlike water leaks). The policy says it covers emergency repairs due to complete failure of gas central heating system or failure of hot water heating. But apparently gas leaks are an unwritten exception and we were told that actually they won't cover us. If gas leaks aren't covered it should say so in the policy t & cs.