The policy will provide assistance following a sudden and unexpected event which is likely to cause damage to the property, a risk to health or unreasonable discomfort which requires immediate action in order to make the property safe and secure. It provides peace of mind for landlords and their tenants in case of an unexpected emergency. Policy cover is offered alongside or automatically included within a landlord insurance policy through a broker or insurer scheme.

Problems are reported via a 24 hour / 365 day emergency assistance telephone helpline and will be dealt with by a network of quality-approved technicians and engineers.

Repairs will be undertaken to resolve the emergency by carrying out a temporary repair but a further permanent repair may also be required which will not be covered under the Residential Landlord Emergency Assistance policy (unless it is no more costly than a temporary repair) but which may be covered under the landlord insurance policy.

Main Source of Heating

  • Complete failure to function or breakdown of the main heating system.
  • The heating system must be annually serviced or subject to a maintenance contract and must be no more than 15 years old.

Domestic Power and Water Supply

  • Complete failure of the domestic electric, gas or water supply.

Internal Plumbing and Drainage

  • Sudden failure, blockage, leak or damage to the internal plumbing and drainage system.

Toilet Unit

  • Sudden failure, blockage, leak or damage to the toilet bowl or cistern (where no other toilet is available in the property).

Pest Infestation

  • An infestation of pests such as wasps, hornets, rats and mice.

Windows, Doors and Locks

  • Failure to function or damage to the external doors, windows or locks.

Lost or Broken Keys

  • Lost or broken keys preventing access to the property.

Roof Damage

  • Damage caused to the roof by adverse weather or fallen trees.

Overnight Accommodation

  • Up to £100 (including VAT) per tenant subject to a maximum of £250 (including VAT) for one night’s accommodation if the property is uninhabitable following an emergency.

Emergency Assistance Limit

  • The standard limit is £500 (including VAT) per claim which can be increased to £1,000 (including VAT) per claim.

The Insured Property

  • The property must be located in the United Kingdom of Great Britain and Northern Ireland, the Isle of Man or the Channel Islands.
  • The property must be occupied by the tenant for normal domestic purposes and must not be sub-let.
  • Residential Landlord Emergency Assistance does not cover owner-occupied homes (please refer to our Home Emergency Assistance product).

For more information, please see the Residential Landlord Emergency Assistance Product Key Facts Sept 16