Boiler Cover Included
Landlord Home Emergency Cover provides emergency repairs to a property you let to limit the damage and inconvenience to your tenant. With boiler cover included as standard, we'll help restore harmony to your property.
Boiler breakdown and a contribution towards its replacement if deemed necessary.
As a Landlord, you have a responsibility to ensure your property is safe and secure for your tenant at all times. Therefore, in the event of a home emergency, it is your duty to sort the issue out as soon as possible.
Landlord Home Emergency Cover will take care of these situations for you, without you ever needing to pick up the phone during an emergency. With authorised tenant direct contact, you’ll no longer need to be the middleman between the tenant and the contractor. We will deal with calls at unsociable times so you don’t have to.
Our Landlord Home Emergency Insurance also comes with zero excess and no-call out charges. The only thing you have to pay is the initial price.
Please download and read the Product Information Document & Policy Wording for a full description of all the benefits and protection, prior to proceeding with your purchase.
- There is no excess under this insurance. Some providers may charge an excess to reduce the annual premium. We are offering all this at a competitive annual price starting from £120.00.
- Market research reveals that some competitors choose to exclude claims for a Primary Heating System that has not been serviced in the last 12 months. We choose not to exclude claims on this basis alone, instead we assess whether the lack of servicing is material to the claim. This wider interpretation of cover ensures you’re not prejudiced unnecessarily.
- Some Home Emergency providers choose to exclude blocked toilets where there is another working toilet available in the property. We recognise that more than 40% of UK properties have two or more toilets and that blockages may create unpleasant smells and pose a health and safety risk to our customers. We will provide assistance regardless of the number of functioning toilets available in your home.
- Not all Home Emergency policies cover LPG fuelled and oil-fired heating systems. We recognise that there are approximately 4 million homes in the UK without access to main gas services. We cover almost any type of domestic primary heating system, such as LPG and oil-fuelled systems, wood pellet boilers and warm air units.
- Some Home Emergency insurance policies will not respond to the failure of Primary Heating Systems during summer months. We will respond to a failure of heating 24/7, 365 days a year. If you feel you need to have the heating on we treat this as an emergency, regardless of the temperature outside.
- Some of our competitors choose to recover the cost of claims from customers if their blockage is due to a build-up of fat and grease. We understand that even the most cautious of people may experience a blockage due to a build-up of fat and grease from time to time. If you make a drainage claim and the cause is found to be fat and grease, we will cover the claim providing that there have been no previous claims of the same nature in the past year. We also offer advice on how to prevent further blockages from occurring.
Boiler breakdown, a contribution to it's replacement and alternative heating allowance included in our cover.
Pests
An infestation of wasp nests, hornet nests, mice and/or rats.
Roofing
Missing, broken or loose tiles causing internal water damage.
Overnight Accommodation
Overnight accommodation where the home is rendered uninhabitable.
Primary Heating System
The complete breakdown of the domestic boiler and/or central heating system which results in the loss of heating and/or hot water.
Boiler Replacement Contribution
A contribution towards the cost of a replacement boiler should yours be deemed to be beyond economical repair.
Alternative Heating
Up to £100 towards the cost of alternative heating sources where deemed necessary following a claim under Primary Heating System
Plumbing & Drainage
Damage to or failure of the plumbing and drainage system where internal
flooding or water damage is likely, including blocked toilets and external
drains.
Internal Electricity
An electricity failure of at least one complete circuit.
Gas Supply
Repairing or replacing a section of damaged internal gas supply pipe causing a leak.
Water Supply
A complete loss of the water supply to the kitchen or bathroom.
Security
Damage to or failure of an external lock, door or window which renders the home insecure.
Access to Home
Loss of the only available key to the home which cannot be replaced, and normal access cannot be obtained
We do not cover…
- Circumstances which are not defined as an Emergency
- Circumstances known to you prior to the commencement date of this insurance.
- Claims arising within the first 14 days from the commencement of this insurance.
- Systems and/or equipment which has not been properly installed or maintained.
- Any claim arising from gradual deterioration and/or wear and tear.
- Garages, outbuildings, leisure equipment, cesspits, septic tanks, swimming pools or fuel tanks (unless covered under Pests).
- Claims where our engineer has advised there is no emergency repair available.
- General maintenance work or any system that has not been regularly maintained.
- Costs for excavation or trace and access.
- The replacement of water tanks, cylinders, and central heating radiators; external WC’s; external pipes and taps.
- Descaling, any work arising from hard water deposits and/or power flushing.
- The interruption or disconnection of public services to the home however caused.
- For Residential Plus Cover, Boilers that are over 15 years old are also excluded.
Important Restrictions - Residential Plus Cover
- The maximum amount payable per claim is £500.00
- The maximum amount payable per period of insurance is £1,000.
- Overnight Accommodation claims up to £250.
- All claims should be reported within 24 hours
- You have to wait 14 days from the start of the contract to make any claim
- Your home must be your permanent place of residence and occupied by you and your family.
- Circumstances known to you prior to the commencement date of the policy will not be covered.
- Claims arising where the home has been left unoccupied for a period exceeding 30 consecutive days.
What makes this policy the best Landlord Emergency Cover?
Our Landlord Home Emergency cover is designed to keep your tenants safe and happy at all times. In the event of an emergency, we will ensure a contractor is sent out as soon as possible to fix any issues within your property.
This will save you time and effort finding and appointing your own contractor – and you won’t even have to deal with the call yourself! Our Landlord Home Emergency Insurance provides authorised tenant contact, so they can call us directly if they’re experiencing an issue.
With a dedicated team and selection of quality contractors, we work to make sure we provide the best landlord emergency cover for you.