Landlord Home Emergency Cover

Yes, your tenants can call us directly. All they need to provide is the policy number (make sure that you provide this to them) and the address they live at.

No, landlord emergency cover insurance cannot be bought in isolation but it is an add-on you can choose when you buy a residential landlords insurance policy. You can also add it to an existing landlords policy midterm; you don’t have to wait until renewal.

Our policy is not suitable for: Holiday Homes, House of Multiple Occupancy (HMO), Commercial Properties and Non UK based Properties.

The policy does not cover;

• Events that do not result in the property becoming damaged, unsafe or unsecure to stay in.
• Contractor’s costs that you incur without our consent.
• The costs of reinstatement or redecorating the property where damage has been caused.
• Wear and tear, day-to-day maintenance and making permanent repairs once the emergency has been dealt with.
• Heating breakdown if the boiler is more than 15 years old.
• Warm air, LPG and solar heating.
• Leaking appliances.
• Roof Damage
  
  

These are important restrictions to the policy you should be aware of;

• Cover applies only for the contractor’s call out charge, labour costs, repair materials, replacement parts where we have agreed it is necessary and up to the sum shown in your policy wording.
• Your tenant(s) will have to pay the alternative accommodation costs and send the receipt to you, to forward to us to be reimbursed.
• If you do not purchase this policy when you take out your landlords building insurance policy, a 14 day waiting period will apply

The policy is provided by ARAG plc who are authorised to administer this insurance on behalf of the insurer SCOR UK Company Limited (“SCOR”).

SCOR is registered in England and Wales number 01334736. Registered address: 10 Lime Street, London, EC3M 7AA. SCOR is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority firm registration number 202333.

A home emergency insurance policy is intended to pay claims for those unforeseen insured events that can occur, subject to your compliance with the policy terms and conditions.

Typically, insurers will review their premiums annually taking into account several factors including the number of claims made, and amounts paid to you under your policy, as well similar factors on policies sold to others.

This may result in a change in policy terms and conditions, and/or an increase in premium at future renewal. However, simply having a claim will not always affect your premium and terms.

The policy will pay up to £500 for all contractor’s costs, charges, and parts and materials used relating to the same emergency. This can include, but is not restricted to complete breakdown of the heating system, plumbing and drainage problems, and loss of the power supply. 

If the cost comes to more than £500, then the remainder is your responsibility. When you advise us of the incident, will advise you of the cover provided by the policy.

The specifics of your insurance policy, including coverage and any potential contributions for replacement appliances, will depend on the terms and conditions of your policy, and how the boiler became so damaged.

A landlord home emergency policy is not designed as a boiler maintenance contract, and so the policy would not cover you for a replacement boiler as a result of wear and tear.

The insurer will have a 24hr claims reporting line, and they will decide on the best course of action to limit your loss and/or repair the damage. If the incident relates to an emergency covered under the policy, they will instruct a member of their emergency contractor network. Please note that severe weather conditions or remote locations may affect normal standards of service.

It is important you notify the claims reporting line as soon as possible of any claim. Do not call out your own contractor unless the insurer has agreed to this. Failure to obtain pre agreement could result in the non- payment of your own contractors costs and may impact your policy cover.

The landlords home emergency 24-hour claims reporting line will respond quickly where help is necessary to prevent or reduce damage to the rented property and its furnishings, or to make it safe and secure to live in.

However, the landlords home emergency policy solution is not a property maintenance contract. It cannot help with problems that result from wear and tear.