Landlord Home Emergency

A sudden and unforeseen situation which, if not dealt with quickly, would in our opinion make the insured property unsafe/insecure and/or cause damage or further damaged to the insured property.

Yes, the tenant is allowed to report claims. All we ask is that they have the Policy Number and the Policy Wording and that they have a basic understanding of what they can and cannot claim for.

• Calls Answered in 20 Seconds - 86%
• Contractor Deployed in 30 Minutes - 87%
• Attended in 2 Hours - 65%
• Attended in 4 Hours - 86%
• First Visit Fix - 85%

If you get quotes on the Internet for this type of policy, you will find that we are extremely well priced and yet the level of cover is good. How can we do this? Our main difference is that when you first buy from us, you cannot claim for the first 28 days (unless you are renewing either from us, or someone else). This gets rid of the majority of people buying the product because they already want to make a claim. As a result our claims experience is good and we can pass the savings onto our customers.

This depends on your own situation. The policy has an initial 14 day exclusion. This is simply to prevent people taking out a policy where something has already happened and they want to claim.

However, if you already have a policy with somebody else and you are switching to us, then cover starts immediately.

Please note that when your policy comes around for renewal next year, then the 14 day exclusion does not apply.

Under the policy we would immediately make your home safe and secure again until a permanent solution could be found by you or your property and/or contents insurance.

In the event that your home becomes  uninhabitable for more than 48 hours as a result of an emergency covered by this section relating to your drainage, the insurer will pay up to £250 (including VAT) for the cost of suitable alternative accommodation.

Probably not. Home and contents insurance often does not cover actual emergencies. Our policy provides cover to compliment your existing home insurance policy, aiding in emergency situations.

You are covered from the date shown on your policy schedule. The policy will run for a minimum of 12 calendar months. Please note that the first time you take out the policy, you are not covered for the first 28 days.

This is not the case if you are switching to us from another provider.  In this instance cover will start immediately.

No, this policy provides cover for Gas Boilers Only.

We cover boilers up to 10 years old. Boilers must have been and continue to be serviced at least once a year in accordance with the manufacturer’s recommendations.

No, the policy does not include an annual service. We recommend that building a relationship with a local Heating Engineer is beneficial for you with regard to servicing of your Heating system. You must have your boiler serviced annually, in accordance with your manufacturers guidelines as a condition of this policy.

If the only toilet in the house is inoperable then yes, this is covered under the policy. However, the policy does not cover Cracked or Broken Toilets.

Our Home Emergency Insurance is not a maintenance product so would not cover situations such as tiles falling off the roof. However, if you experience damage to the roof of the insured property caused by adverse weather conditions or fallen trees, this would be covered. This is a ‘make safe’ policy and for example in this situation a tarpaulin may be used to prevent further damage.

This policy does not include flat or tarpaulin roofs.

Our policy protects you against brown rats, field or house mice and wasps nests from the insured property.

There is no excess to pay when you wish to make a claim.

There is no limit to how many claims you can make on the policy.

No. This policy is not suitable for HMO properties.