What’s covered with Home Emergency cover?
Landlord Emergency Cover
Boiler and heating system
24-hour emergency helpline
Up to £500 cover
Claims per year
Included in policy
Windows, doors and locks
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?
Landlord Emergency cover provides up to £500 for callout charges, labour, and parts to sort out problems with your property 24/7.
This cover includes:
We'll pay up to £250, including VAT, for overnight accommodation and transport if your property is unfit.
Boiler and central heating
We cover boilers and central heating when they undergo total failure. We define it as a complete loss of heating and hot water.
We'll even supply £50 for a temporary heater if we can't repair your property's heating system.
If your boiler is under warranty, you must contact the manufacturer for any repairs - Landlord Emergency Cover can't cover boilers under warranty.
We help if your property is uninhabitable due to total electrical failure. We don't cover power cuts or National Grid issues, however.
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.
We'll sort out hornet, rat, mice, wasp, grey squirrel and cockroach infestations.
We help with water pipes between the main stopcock and the taps. This includes your property's leaks, burst pipes, blocked sinks and drains. We only cover toilet unit emergencies when there isn’t another working toilet in the property.
Landlord Emergency cover won't help with sourcing issues like leaks; other parts of your landlord insurance may cover this.
Windows, doors and locks
We'll sort out smashed windows and damage to your property's locks if it's an immediate security risk.
What isn’t covered?
Claims made within the first seven days of cover
We can't cover claims made within the first seven days of your policy.
Emergencies reported after 48 hours
We can only respond to emergencies reported within 48 hours.
Problems that aren't a total failure
Landlord Emergency cover is only for problems that are a total failure.
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.
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 make a contribution to its replacement?
Landlord Emergency provide temporary repairs only - we won't cover replacing your boiler or any contribution towards replacing 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.
Can I contact my own tradesperson?
Only if we’ve agreed to it beforehand.