What qualifies as a home emergency?

Any sudden issue that risks damage, affects tenant safety or removes essential services like heating or water qualifies as a home emergency.

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 there is a limit on the number of claims. Each claim must be within £1,000 on the Platinum plan or £500 on the Gold plan, depending on which plan you have.

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, and the repair gets done.

How is landlord home emergency cover different from landlord insurance?

Standard landlord insurance covers big events like fire, flood and theft. Emergency cover handles everyday urgent problems such as a broken boiler, burst pipe or failed electric circuit. Landlord insurance rebuilds your kitchen after a fire. Emergency cover fixes your boiler on a freezing night.

Who needs landlord home emergency cover?

Any landlord with a rental property in the UK. It suits private landlords with one house, buy-to-let investors with a flat, and portfolio landlords with multiple properties.

What is included in every plan?

Every plan includes a 24/7 emergency helpline, qualified approved contractors, parts, labour and VAT, no call-out fees, and a 12-month repair guarantee.

What is not covered by landlord home emergency cover?

The following are not covered: pre-existing faults and poor maintenance, boilers over 15 years old, properties unoccupied for 30 or more days, commercial properties, routine servicing and wear and tear, external pipes outside the property boundary, solar heating and heat pumps, and the first 48 hours of a new policy.

What is the typical cost of emergencies without cover?

Without cover, emergency costs can be significant. Call-out fees in evenings and weekends cost £150 to £300. Boiler repair costs £150 to £500. Boiler replacement costs £2,000 to £4,000. Burst pipe repair costs £150 to £600. Burst pipe water damage can cost £5,000 or more. Emergency electrician costs £200 to £400. Broken lock replacement costs £100 to £200.

What is the target response time for emergencies?

For urgent emergencies, Platform Financial Services aims to get a contractor to your property within 4 hours. Severe weather or remote locations may take longer, but genuine emergencies are always prioritised.

Is there an excess on claims?

No. There is zero excess on claims. You pay nothing when you claim. There are also no hidden admin fees or surprise charges.

Is there a repair guarantee?

Yes. All repairs come with a 12-month guarantee. If a repair fails within 12 months, it will be fixed again at no extra charge.

How do I make a claim?

Step 1: Call the 24/7 helpline on 0345 5439931. Have your policy number and property address ready. Step 2: The team assesses your emergency and confirms coverage. A contractor is assigned. Step 3: The contractor attends your property. Someone aged 18 or over must be present. No upfront payment is required.

What happens if a gas leak occurs?

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 the internal gas pipes. All gas work is carried out by a Gas Safe registered engineer as required by UK law.

Are portfolio landlords catered for?

Yes. Multi-property pricing is available. One policy can cover all properties with a single renewal date. Portfolio landlord discounts are also available.

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Boiler and Heating Cover | Landlord Home Emergency Cover

Landlord & Homeowner Plans

Boiler & Heating Cover
Protect Your Property. Keep Tenants Warm.

A broken boiler in winter is a legal emergency for landlords. One simple monthly payment covers everything — call-outs, parts, and labour.

No surprise bills. No midnight engineer searches. Legal compliance included.

£300avg repair

£4,000replacement

From £12/mocover starts

24/7helpline

Get a Quote Call 01772 702000

Overview

What Is Boiler and Heating Cover?

A monthly plan that protects you when your boiler or heating fails. You pay a fixed amount — a Gas Safe registered engineer handles everything. Parts and labour included.

⚠ Not the same as home insurance. Home insurance covers fire, flood, and theft — not mechanical breakdown. Boiler cover fills that gap.

Who It's For

Who Needs It?

Hover over each card to find out more

Landlords

Hover to see your legal obligations →

Your Legal Duty

Under Section 11, Landlord & Tenant Act 1985, you must keep boilers and heating working. A breakdown in winter is a legal emergency. Tenants can report you to the council or claim compensation in court.

Homeowners

Hover to see why cover makes sense →

Smart Protection

One call-out costs more than three months of cover. Boilers over 8 years old break down more often and cost more to fix. Cover gives you year-round peace of mind.

Plan Features

What Does Cover Include?

Gas Safe Engineer

on every visit

Parts & Labour

fully included

Annual Service

boiler included

24/7 Helpline

emergency line

No Call-Out Fees

ever

Gas Safety Cert

landlord plans only

ⓘ The annual Gas Safety Certificate is a legal requirement under Gas Safety Regulations 1998 — must be renewed every 12 months and given to your tenant.

Pricing

How Much Does It Cost?

What You're Comparing	Typical Cost
Monthly cover plan	From £12 / mo
Annual plan total	£144 / year
Average emergency repair	£300 – £410
Full boiler replacement	£2,300 – £4,000

Cover pays for itself after just one call-out. Price varies by boiler age & plan level.

Compatibility

What Boilers Do We Cover?

Hover to highlight — all types covered. Boilers over 15 years assessed individually.

Gas

Combi

System

Regular

Oil

LPG

All major brands covered:

Worcester Bosch Vaillant Baxi Ideal + All Major Brands

Claims

How to Make a Claim

⛔ Important: Do not arrange your own repairs. We cannot reimburse costs for work done without prior approval.

Call the Helpline

Available 24/7, 365 days a year. No waiting until morning.

We Book an Engineer

We log your claim and dispatch a Gas Safe engineer — same day for no heat or hot water.

Job Done, No Bill

No invoice after the visit. No extra charges on top of your plan.

FAQ

Frequently Asked Questions

Does cover start straight away?

Most plans have a 14 to 28 day waiting period. Pre-existing faults are not covered. Get any known faults repaired before taking out a plan.

Is boiler cover the same as home insurance?

No. Home insurance does not cover boiler breakdown. You need a separate boiler cover plan to protect against mechanical failure.

Can I cover multiple rental properties?

Yes. We cover single properties, HMOs, and full portfolios. Each property gets its own Gas Safety Certificate and annual service.

What if my boiler cannot be repaired?

We contribute towards a replacement. The exact amount depends on your plan level and the age of your boiler.

Do I need cover if my boiler is new?

New boilers come with a manufacturer warranty, but warranties often exclude labour costs and central heating components. Cover fills those gaps from day one.

Get Covered Today

Do not wait for a breakdown. Get a quote in minutes — we will find the right plan for your property.

mani@platformfs.co.uk

Website

landlordhomeemergencycover.co.uk

Boiler & Heating Cover
Protect Your Property. Keep Tenants Warm.

What Is Boiler and Heating Cover?

Who Needs It?

Landlords

Your Legal Duty

Homeowners

Smart Protection

What Does Cover Include?

How Much Does It Cost?

What Boilers Do We Cover?

How to Make a Claim

Call the Helpline

We Book an Engineer

Job Done, No Bill

Frequently Asked Questions

Get Covered Today

Useful Links

Contact Us

Subscribe Now

Boiler & Heating CoverProtect Your Property. Keep Tenants Warm.

What Is Boiler and Heating Cover?

Who Needs It?

Landlords

Your Legal Duty

Homeowners

Smart Protection

What Does Cover Include?

How Much Does It Cost?

What Boilers Do We Cover?

How to Make a Claim

Call the Helpline

We Book an Engineer

Job Done, No Bill

Frequently Asked Questions

Get Covered Today

Boiler & Heating Cover
Protect Your Property. Keep Tenants Warm.