Platform Financial Services Ltd
Landlord Home
Emergency Cover
Gold and Platinum cover for UK rental properties — boiler, plumbing, roofing, security and pest repairs from £115/yr, with Platinum adding electrical breakdown cover. Protect your tenants and your investment.
Platform Financial Services Limited — UK based.
What is Landlord Home Emergency Cover?
Landlord home emergency cover is insurance for urgent repairs at your rental property.
When something breaks suddenly, this cover sends a qualified tradesperson to fix it. You call one number. Help arrives. The repair gets done.
It is 2am on a January night. Your tenant calls. A pipe has burst. Water is flooding the kitchen.
Without cover, you search for a plumber at midnight. Good luck finding one. If you do, expect to pay £200 or more.
With emergency cover, you call the 24/7 helpline. An approved contractor arrives within hours. The leak gets stopped. You pay nothing extra.
That is what this cover does. Fast help when your tenants need it most.
What Does Landlord Home Emergency Cover Include?
Your Gold and Platinum plans cover a range of urgent problems. Here is what is included.
Boiler and Central Heating Breakdown
Your boiler stops working. Your tenants have no heating or hot water.
Emergency cover sends a Gas Safe registered engineer to your property.
- 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.
Emergency cover gets a plumber to your property fast.
- Burst or leaking pipes
- Blocked drains and sinks
- Blocked or broken toilets
- Water supply failure inside the property
Electrical Failures
A full power cut inside the property is an emergency.
- Fuse box breakdown
- Complete circuit failure
- Faulty wiring causing power loss
- National Grid outages
- Power cuts affecting the whole street
Roof Damage
A storm rips tiles from your roof. Rain starts leaking into the bedroom.
Emergency cover provides temporary repairs to make the roof weatherproof.
- Storm damage causing leaks
- Fallen branches damaging the roof
- Temporary weatherproofing
Security Emergencies
A break-in happens. The front door is smashed. Windows are broken.
Emergency cover sends someone to secure the property immediately.
- Broken locks
- Smashed windows
- Damaged external doors
- Making the property secure again
Pest Infestations
Rats in the kitchen. A wasps nest in the loft. Mice running through the walls.
- Rats and mice
- Wasps and hornets nests
- Cockroaches
- Grey squirrels
Gas Supply Emergencies
A gas leak is dangerous. It can cause explosions, fires or carbon monoxide poisoning.
If your tenant smells gas, call the National Gas Emergency Service first on 0800 111 999.
- Gas pipe repairs inside the property
- Fixing leaks after Gas Board assessment
Alternative Accommodation
Sometimes an emergency makes the property unlivable. No heating in freezing weather.
Your plan pays towards hotel costs while repairs happen, up to £250 in total (up to £100 per tenant) on both Gold and Platinum.
- Hotel or B&B costs
- Temporary accommodation for tenants
Our Landlord Emergency Cover Plans
Two levels of cover. Annual pricing — pay once, covered all year.
Both plans share these benefits.
Cover Limits and What's Not Included
Every insurance policy has limits. Knowing them helps you avoid surprises when you claim.
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.
- 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 14 days 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.
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.
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.
Emergencies do not wait for office hours. Report a claim any time and an approved contractor is arranged — parts, labour and VAT included in your claim limit.
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.
Good tenants expect problems fixed fast. Slow responses lead to complaints and bad reviews. Fast repairs keep tenants happy. Happy tenants stay longer.
Is It Worth It? Let us do the maths
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.
| # | Emergency | Typical cost |
|---|---|---|
| 1 | Call-out fee (evenings/weekends) | £150 to £300 |
| 2 | Boiler repair | £150 to £500 |
| 3 | Boiler replacement | £2,000 to £4,000 |
| 4 | Burst pipe repair | £150 to £600 |
| 5 | Burst pipe water damage | £5,000+ |
| 6 | Emergency electrician | £200 to £400 |
| 7 | Broken lock replacement | £100 to £200 |
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 claims line. Call 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. Real people based in the UK. No overseas call centres. Just clear, helpful advice.
When a pipe bursts, every minute matters.
- Target response within 4 hours. For urgent emergencies we aim to reach your property within 4 hours, prioritising genuine emergencies.
- Nationwide contractor network. Approved tradespeople across the UK. From London to Edinburgh. Wherever your property is, help is nearby.
- Priority emergency handling. No heating in winter? Flooding in the kitchen? These get fast-tracked by 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.
- 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 — a legal requirement under UK law.
- Vetted and experienced tradespeople. We verify qualifications, insurance and track record. No cowboys. Just skilled professionals.
- 12-month guarantee on repairs. If a repair fails within 12 months, we fix it again. No extra charge.
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 arrange access and updates with your tenant. You are not the middleman.
- Faster emergency resolution. Direct contact means faster booking, faster repairs and less stress for everyone.
Cover for Multiple Properties
Own more than one rental property? Multi-property cover makes it simpler and often cheaper.
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
Making a claim is simple. Three steps and help is on the way.
Step 1: Call Our 24/7 Helpline
Call our 24/7 helpline on 01772 702000. Have your policy number and property address ready.
Step 2: We Assess Your Emergency
We assess your emergency and confirm coverage. A qualified contractor gets assigned to your job.
Step 3: Contractor Arrives and Fixes
Your approved contractor arrives at the property. Parts, labour and VAT are all covered — you pay nothing extra.
Do not arrange your own repairs. We cannot reimburse costs for work done without approval.
Get Protected Today
Ready to cover your rental property? Get covered in minutes. No obligation. Instant pricing.
Prefer to talk? Call our UK-based team on 01772 702000 — Monday to Friday, 9am to 5pm. Our claims line is open for emergencies any time.
Frequently Asked Questions
Clear answers to common questions, so you know exactly what to expect. No surprises, just reliable cover when it matters most.
What qualifies as a home emergency?
Any sudden issue that risks damage, affects tenant safety or removes essential services like heating or water.
Can my tenants contact you directly?
Yes. Add their details to your policy. We handle emergencies with them directly.
Is there a limit on claims?
Yes. Each claim must be within the plan limit — £1,000 per claim on Gold, £500 per claim on Platinum. You can make 3 claims per year on Gold and 6 per year on Platinum.
Will a claim increase my premium?
No. Emergency cover claims do not affect your renewal price.
Is boiler cover included?
Yes. All plans include boiler and central heating breakdown cover.
What if my boiler cannot be repaired?
We contribute towards a replacement. Usually up to 50% or a fixed amount.
Are older boilers covered?
Gold covers boilers up to 10 years old. Platinum covers boilers up to 15 years old.
Is there a waiting period?
Yes. New policies have a 14-day exclusion period. Renewals have continuous cover.
Get Your Landlord Emergency Cover Quote
Get a quote in under 5 minutes. No obligation. Instant pricing.
Get Your Free QuoteProperty address and type. Number of bedrooms. Boiler age. Tenancy status.
Get Your Free QuoteCall 01772 702000, Monday to Friday, 9am to 5pm. Our claims line is open for emergencies any time.
Call 01772 702000Landlord Cover Guides
Straight answers on what is covered, what it costs, and how claims actually work.
Emergency Cover vs Landlord Insurance
What buildings insurance actually covers, where the gap is, and how emergency cover fills it.
Read the Guide
Is Landlord Home Emergency Cover Worth It?
A plain-numbers look at the cost of cover against the cost of a call-out gone wrong.
Read the Guide
Does Landlord Insurance Cover a Boiler Breakdown?
Why most buildings policies exclude boiler faults, and what actually pays out when yours stops working.
Read the Guide
Exclusions & Limits Explained
Claim limits, per-year caps, and the specific exclusions on Gold and Platinum — explained in plain English.
Read the Guide