- 01772 702000
- info@platformfs.co.uk
- Derby House Chambers, Suite 7, Lytham Rd, Preston PR2 8JE.
Trusted by thousands of UK landlords since 2006. FCA regulated.
What do you do?
If your tenant calls at 2am. The boiler has stopped working. It is freezing outside.
This is where landlord home emergency cover helps. One phone call connects you with qualified engineers any time of day or night. No searching for contractors. No unexpected bills.
What Does Landlord Home Emergency Cover Include?
Most policies cover a range of urgent problems. Here is what you can expect.
Boiler and Central Heating Breakdown
Your boiler stops working. Your tenants have no heating or hot water.
This is the most common emergency landlords face. Especially in winter.
Emergency cover sends a Gas Safe registered engineer to your property. They diagnose the fault and carry out repairs.
Most policies cover boilers up to 15 years old. Older boilers may have limited cover or none at all.
What is included:
- Complete boiler failure
- Central heating not working
- No hot water
- Faulty thermostats and controls
Plumbing and Drainage Emergencies
A burst pipe can cause serious damage in minutes. Water floods the floor. Ceilings start dripping.
Emergency cover gets a plumber to your property fast. They stop the leak and prevent further damage.
Blocked drains and toilets are also covered. If your tenant has no working toilet, that counts as an emergency.
What is included:
- Burst or leaking pipes
- Blocked drains and sinks
- Blocked or broken toilets
- Water supply failure inside the property
External pipes outside your boundary are usually not covered.
Electrical Failures
A full power cut inside the property is an emergency. Your tenant cannot use lights, appliances or heating.
Cover includes fuse box failures and circuit breakdowns. A qualified electrician visits to find and fix the fault.
What is included:
- Fuse box breakdown
- Complete circuit failure
- Faulty wiring causing power loss
What is not included:
- National Grid outages
- Power cuts affecting the whole street
If the problem is outside your property, contact your electricity supplier instead.
Roof Damage
A storm rips tiles from your roof. Rain starts leaking into the bedroom.
Emergency cover provides temporary repairs. A contractor makes the roof weatherproof to stop further damage inside.
This is not a full roof replacement. It is emergency protection until permanent repairs happen.
What is included:
- Storm damage causing leaks
- Fallen branches damaging the roof
- Temporary weatherproofing
Severe weather may delay contractor arrival. Safety comes first.
Security Emergencies
A break-in happens. The front door is smashed. Windows are broken.
Your property is now unsecure. Anyone could walk in.
Emergency cover sends someone to secure the property. They board up windows, fix locks or replace doors temporarily.
What is included:
- Broken locks
- Smashed windows
- Damaged external doors
- Making the property secure again
This is emergency work only. Permanent replacements may need a separate claim on your buildings insurance.
Pest Infestations
Rats in the kitchen. A wasps nest in the loft. Mice running through the walls.
Pest infestations make a property unlivable. They also create health risks for your tenants.
Emergency cover sends pest control to remove the problem.
What is included:
- Rats and mice
- Wasps and hornets nests
- Cockroaches
- Grey squirrels
Some policies exclude certain pests. Check your policy wording.
Gas Supply Emergencies
A gas leak is dangerous. It can cause explosions, fires or carbon monoxide poisoning.
If your tenant smells gas, they must call the National Gas Emergency Service first on 0800 111 999. This is a legal requirement.
Once the Gas Board makes the area safe, emergency cover handles repairs to your internal gas pipes.
What is included:
- Gas pipe repairs inside the property
- Fixing leaks after Gas Board assessment
What is not included:
- Gas meter problems
- Issues with the external gas supply
Gas work must be done by a Gas Safe registered engineer. This is UK law.
Alternative Accommodation
Sometimes an emergency makes the property unlivable. No heating in freezing weather. Severe flooding. Major electrical failure.
Your tenants need somewhere to stay.
Many policies pay towards hotel costs while repairs happen. Cover is usually capped at £250 to £500.
What is included:
- Hotel or B&B costs
- Temporary accommodation for tenants
Check your policy for the exact limit. Some only cover one or two nights.
Pricing Plan
Our Landlord Emergency Cover Plans
Gold
Ideal for basic home protection
Platinum
Good for standard householdsCover Limits and What's Not Included
Every insurance policy has limits. Knowing them helps you avoid surprises when you claim.
Coverage Limits
Most policies cap each claim at £500. Annual limits range from £1,000 to £2,000.
Alternative accommodation is usually capped at £250 to £500.
Some policies contribute towards a new boiler if yours cannot be fixed.
What's Not Covered
- Pre-existing faults and poor maintenance
- Boilers over 15 years old
- Properties unoccupied for 30+ days
- Commercial properties
- Routine servicing and wear and tear
- External pipes outside property boundary
- Solar heating and heat pumps
- First 48 hours of new policy
Do You Need Landlord Home Emergency Cover?
Not every landlord buys this cover. But for many, it makes life much easier.
Ask yourself a few questions. Your answers will tell you if it is worth it.
You do not live near your rental property
Your property is 50 miles away. A pipe bursts at midnight. How do you handle it?
With emergency cover, you make one call. Someone else deals with it.
You cannot afford unexpected repair bills
Emergency repairs are expensive. A call-out alone can cost £150. Add parts and labour, and you are looking at much more.
If a £500 bill would hurt your finances, cover makes sense.
You want 24/7 peace of mind
Emergencies do not wait for office hours. They happen at 3am on Christmas Day.
Cover gives you a number to call any time. Day or night. Every day of the year.
You struggle to find reliable contractors
Finding a good plumber or electrician is hard. Finding one at short notice is harder.
Emergency cover gives you access to vetted, approved tradespeople. No searching. No guessing.
Your tenants expect quick responses
Good tenants expect problems fixed fast. Slow responses lead to complaints and bad reviews.
Fast repairs keep tenants happy. Happy tenants stay longer.
Emergency cover costs around £10 to £25 per month. That is £120 to £300 per year.
One emergency call-out costs £150 to £300. One boiler repair costs £150 to £500.
A single incident can cost more than a full year of cover.
Legal responsibilities
Under the Landlord and Tenant Act 1985, you must keep your property in good repair. This includes heating, hot water and sanitation.
If something breaks, you must fix it within a reasonable time. Delays can lead to complaints, disputes or legal action.
Emergency cover helps you respond fast and stay compliant.
Risk assessment
Ask yourself:
- How old is your boiler?
- When were the pipes last checked?
- Could you handle a £2,000 repair bill today?
If any answer worries you, cover is worth considering.
Boiler problems are the most common emergency landlords face. Especially between October and March.
A broken boiler means no heating and no hot water. Your tenants will not wait days for a fix.
Here is what landlord boiler cover includes:
Here is what landlord boiler cover includes.
What's Covered
Boiler breakdown and repairs. Central heating system failures. Radiators and heating pipes. Thermostats and controls.
Boiler Replacement Support
If your boiler cannot be fixed, some policies contribute towards a new one. Usually up to 50% or £250 to £500.
Annual Boiler Service
Some policies include an annual service. Others offer it as an extra.
The Gas Safety (Installation and Use) Regulations 1998 require annual gas checks. You must give tenants a CP12 certificate within 28 days.
Boiler Age Limits
Most policies cover boilers up to 15 years old. Older boilers may have limited cover.
The Real Cost Without Cover
| Emergency | Typical Cost |
|---|---|
| Call-out fee (Evenings/Weekends) | |
One emergency can cost more than a full year of cover. Under the Landlord and Tenant Act 1985, you must keep heating and hot water working. Emergency cover helps you respond fast.
Why Landlords Choose Us
Many providers offer landlord emergency cover. So why choose us?
Here is what sets us apart.
Emergencies do not follow a schedule. Neither do we.
Round-the-clock helpline
Call us any time. 2am. Sunday morning. Christmas Day. We answer.
365 days a year
No days off. No bank holiday closures. We are here every single day.
UK-based support team
You speak to real people based in the UK. No overseas call centres. No language barriers. Just clear, helpful advice when you need it.
When a pipe bursts, every minute matters.
Target response within 4 hours
For urgent emergencies, we aim to get a contractor to your property within 4 hours.
Severe weather or remote locations may take longer. But we always prioritise genuine emergencies.
Nationwide contractor network
We work with approved tradespeople across the UK. From London to Edinburgh. From Cardiff to Belfast.
Wherever your property is, help is nearby.
Priority emergency handling
No heating in winter? Flooding in the kitchen? These get fast-tracked.
We assess every call and prioritise based on urgency.
Some insurers surprise you with extra costs at claim time. We do not.
Zero excess on claims
You pay nothing when you claim. No £50 excess. No £100 deduction. Zero.
No premium increase after claims
Made a claim last year? Your renewal price stays the same.
We do not punish you for using your cover.
Transparent pricing
The price you see is the price you pay. No hidden admin fees. No surprise charges.
We only send tradespeople we trust.
Gas Safe registered engineers
All gas work is done by Gas Safe registered engineers. This is a legal requirement under UK law.
You can verify any engineer's registration at the Gas Safe Register website.
Vetted and experienced tradespeople
Every contractor is checked before joining our network. We verify qualifications, insurance and track record.
No cowboys. No chancers. Just skilled professionals.
12-month guarantee on repairs
If a repair fails within 12 months, we fix it again. No extra charge.
This gives you confidence that the job is done right.
Your tenants live in the property. They see the problem first.
Option to add tenant contact details
Add your tenant's phone number to your policy. We contact them directly when needed.
Direct communication with tenants
We can arrange access and updates with your tenant. You do not need to be the middleman.
Faster emergency resolution
Direct contact means faster booking. Faster repairs. Less stress for everyone.
Your tenant gets help quickly. You get peace of mind.
Multi-property pricing available. One policy covers all properties. Single renewal date.
Houses, flats and HMOs covered. Tell us what you own. We match the right cover.
Manage all properties in one place. Track claims history. Handle renewals easily.
How to Make a Claim
Important: Do not arrange your own repairs. We cannot reimburse costs for work done without approval.
Call our 24/7 helpline on 0345 5439931. Have your policy number and property address ready.
We assess your emergency and confirm coverage. A contractor gets assigned.
Contractor attends your property. Someone 18+ must be present. No upfront payment required.
Frequently Asked Questions
Clear answers to common questions, so you know exactly what to expect.
No surprises, just reliable cover when it matters most.
Any sudden issue that risks damage, affects tenant safety or removes essential services like heating or water.
Yes. Add their details to your policy. We handle emergencies with them directly.
Yes there is a limit on the number of claims. Each claim must be within £1000 & £500 depends on plan you choose. 3-6 claims anually.
No. Emergency cover claims do not affect your renewal price.
Yes. All plans include boiler and central heating breakdown cover.
We contribute towards a replacement. Usually up to 50% or a fixed amount.
Most policies cover boilers up to 15 years old.
Yes. New policies have a 48-hour exclusion period. Renewals have continuous cover.
Get Your Landlord Emergency Cover Quote
Get a quote in under 5 minutes. No obligation. Instant pricing.
Property address and type. Number of bedrooms. Boiler age. Tenancy status
Call 01772 702000 Monday to Friday, 9am to 5pm. 24/7 claims line always open..
Other Insurance Options for Landlords
- Landlord Buildings Insurance
Covers structure damage from fire, flood and storms
- Landlord Contents Insurance
Protects furniture you provide to tenants
- Rent Guarantee Insurance
Covers lost income if tenants stop paying
- Landlord Legal Protection
Covers solicitor fees and court costs
- Unoccupied Property Insurance
Protects vacant properties between tenants
