What's Landlord Emergency cover?
Landlord Emergency cover is an add-on you can add to your policy. It helps cover you for urgent problems in your property that need sorting straight away.
For example:
- plumbing issues with your pipes
- if your boiler stops working
It covers the cost to call out a tradesperson, and for them to temporarily fix the problem.
It doesn't cover:
- general repair
- the cost of the damage caused
- the cost of getting something permanently fixed
You'll still need to arrange with a tradesperson to fix the problem permanently.
What’s covered with Landlord Emergency cover?
Landlord Emergency Cover |
|
|---|---|
Boiler and heating system |
|
Alternative accommodation |
|
Temporary heating |
|
24-hour emergency helpline |
|
Up to £500 cover |
|
Claims per year |
Unlimited |
Included in policy |
Admiral Platinum |
Drainage |
|
Electrics |
|
Roofing |
|
Pests |
|
Windows, doors and locks |
|
Plumbing |
|
Gas pipes |
|
Beyond economic repair contribution * |
* We'll pay you £250 towards replacing your boiler if it costs more to repair than replace.
How do I upgrade?
New customers can add it as an upgrade when buying an Admiral or Gold Landlord Insurance policy. Platinum customers have it included as standard.
You can add Landlord Emergency cover to your existing policy at any time by contacting us.
What property emergencies do we cover?
You’ll get up to £500 to go towards callout charges, labour and parts to sort out urgent problems at your property.
This cover includes:
Alternative accommodation
We'll pay up to £500 (including VAT) for a place to stay and transport if your property isn’t safe for your tenants.
Boiler and central heating
We'll cover you if your boiler or central heating stops working and leaves you without heating or running water.
We'll even give you £50 to go towards a temporary heater if we can't fix your property's heating system straight away.
Beyond economic repair contribution
We'll pay you £250 towards replacing your boiler if it costs more to repair than replace.
Electrics
We cover most electrical faults, but we don't cover:
- issues with your power going on and off
- faulty appliances
- power cuts
- National Grid outages
Gas pipes
We repair leaks between your meter and a gas appliance in your property. However, this only applies if the National Gas Emergency Service has isolated and found the leak.
Pests
We'll sort out hornet, rat, mice, wasp, grey squirrel and cockroach infestations.
Plumbing
We'll help with water pipes between the main stopcock and the taps. This includes any:
- leaks
- burst pipes
- blocked sinks and drains
Landlord Emergency cover doesn't cover sourcing issues like leaks. Check your landlord insurance policy to see what you are and aren't covered for.
Windows, doors and locks
We'll sort out smashed windows and damage to your property's locks if it's an immediate security risk.
Roof damage
We’ll cover a temporary repair of roof damage due to storms or bad weather. We won’t cover damage due to poor roof maintenance or wear and tear.
What isn’t covered?
Claims for emergencies reported after 4 days
We can only help with emergencies if they're reported within four days of finding them.
Unoccupied properties
We don't cover properties that have been left unoccupied for more than 30 days in a row.
Work needed after immediate repair
We only provide cover for the callout and immediate repair. We can't cover any subsequent damage beyond that.
Trace and access cover
We won't cover the cost of work to find the source of the emergency.
However, this may be covered in your Landlord Insurance policy. Find out more about trace and access.
This isn’t an exhaustive list – read more about our Landlord Emergency cover in our policy books.
How to make a claim
If you have an emergency in your property and want to make a landlord emergency claim, please visit our make a claim page for our contact details.
Alternatively, it's quick and convenient to register your claim online. Simply log into MyAccount and click the link in the 'Emergency Assistance' section.
If you think you have a gas leak, call the National Gas Emergency Service on 0800 111 999.
Your questions answered
If I make a landlord emergency claim, will this affect my premium?
No, landlord emergency claims don’t affect your premium.
My boiler is beyond economic repair. Will you help to pay for its replacement?
We’ll give you £250 to go towards a new boiler if your boiler costs more to repair than to replace it.
What happens if the cost of a repair is more than £500?
If your emergency repair costs more, you’ll need to pay any amount over £500.
