Landlords Emergency Assistance Insurance offers landlords the assurance that in the unforeseeable event of a failure, breakdown, or even a lost key, this could be covered.
Landlords Emergency Assistance Insurance
Please note that the following is a standard policy wording, please check your own policy documentation for confirmation of cover. Should you require clarification please contact us on 0114 250 5225
Policy Summary
Some important facts about the Let Home Emergency policy are summarised below. This summary does not describe all of the terms and conditions of the policy, so you will need to take time to read the insurance policy wording to make sure that you understand the cover that it provides. All references below to the cover provided are contained within the full policy wording. Please note that a full policy wording is available for your inspection upon request.
TYPE OF INSURANCE
The policy is designed to cover the cost of Contractors’ emergency call-out and labour charges, parts and materials following a specific occurrence, provided that cover for that occurrence is detailed within the policy wording and is not specifically excluded within the policy schedule issued.
SIGNIFICANT FEATURES AND BENEFITS
The policy includes the following features (unless specifically excluded by the policy schedule issued), which are fully explained in detail in the policy wording. The limit of indemnity provided will be shown on the policy schedule issued
Section of Cover |
Cover Provided |
Specific Section Exclusions |
Plumbing and Drainage Electricity Supply Security Lost Key |
Applicable to all sections. An unforeseen situation which if not dealt with quickly would render the Home unsafe, insecure or cause further damage or unreasonable discomfort. |
Applicable to all sections. We do not cover costs arising from :- Systems or equipment not properly installed or maintained. Decorative or cosmetic replacement. Claims if your home is unoccupied for more than 30 days. Breakdown, interruption or damage which is the responsibility of any public service or utility. Materials or labour covered by guarantee or warranty. Repair or replacement of water tanks, cylinders, radiators, taps, overflows, external WCs, pipes or apparatus not causing internal damage. Internal locks, doors, glass, or loss of internal keys or garage keys. Outbuildings, garages, external lighting, tanks, pools, solar heating or security systems. |
Primary Heating |
A current, valid Gas Safety Certificate must be available for inspection when the Contractor calls. |
SIGNIFICANT AND UNUSUAL EXCLUSIONS OR LIMITATIONS
The policy will exclude claims where the incident falls outside of the scope of cover provided by the policy wording or where this is subject to a specific exclusion or limitation. Please refer to the policy wording for full details. The most significant or unusual exclusions or limitations are outlined below.
i) Other than the excess (first amount of any claim you are required to pay) shown under the relevant section of cover listed above and unless otherwise shown on the policy schedule, no additional excess applies.
ii) The policy covers emergency situations only. It does not cover circumstances more properly handled by your Household Insurer.
iii) Please note if you engage the services of a contractor direct, cover will not apply. All claims must be reported by the landlord to the Claims Helpline who will arrange to send a contractor.
DURATION OF THE CONTRACT
The cover provided by the policy is normally for a twelve month period. Where this is altered, it will be clearly shown within the quotation provided and policy schedule subsequently issued.
CANCELLATION
We wish you to be happy with the cover provided by your policy. However you have the right to cancel the policy within 14 days of receiving the policy documents without giving reason. If you chose to cancel, we will refund your premium after first (at our discretion) charging for the cover provided from the date