- 01772 702000
- info@platformfs.co.uk
- Derby House Chambers, Suite 7, Lytham Rd, Preston PR2 8JE.
Electrical Emergency Cover
Protect Your Home When the Power Goes Wrong
An electrical fault doesn't wait for a convenient moment. One fixed monthly payment — qualified electrician, parts, and labour all included.
Landlords: legally required to maintain safe electrical systems. A £30,000 fine for non-compliance. We keep you covered.
What Is Electrical Emergency Cover?
It protects your home's mains electrical system against unexpected faults and breakdowns. When something fails, you call one number. A qualified electrician arrives, diagnoses the fault, and fixes it — parts and labour included. No invoice surprises after the job.
What Does It Cover?
Hover each item for a buying tip.
Fuse Box & Consumer Unit
Tripped breakers, faulty RCDs, and full unit failures.
Wiring Failures
Faulty mains wiring throughout your property.
Sockets & Switches
Broken, dead, or dangerous sockets and wall switches.
Light Fittings
Faulty light fittings and dimmer switches.
Hardwired Smoke Alarms
Mains-wired smoke detector failures and faults.
Extractor Fans & Doorbells
Hardwired extractor fans and doorbell systems.
Outside Lighting
Security and garden lighting fixed to your home.
Accidental Damage
Accidental damage to your mains electrical system.
What Is Not Covered?
Always read the exclusions before you buy — they matter.
Electrical Appliances
Washing machines, ovens, fridges, and all domestic appliances are excluded from cover.
Solar Panels & Storage Heaters
Burglar alarms, solar panels, and storage or underfloor heating systems are all excluded.
Full Property Rewiring
Complete rewiring of your property falls outside standard emergency cover.
Rubber or Lead Cables
Older properties with rubber or lead-covered wiring are commonly excluded. Check your policy.
Landlords — Know Your Legal Duties
EICR: Every 5 Years or Every Tenancy
Required under the Electrical Safety Standards in the Private Rented Sector Regulations 2020. Failing to comply carries a fine of up to £30,000. Cover means faults get fixed fast — keeping you compliant and your tenants safe.
Get an EICR
Electrical Installation Condition Report — carried out by NICEIC, NAPIT, or ELECSA certified electricians only.
28-Day Rule
Give a copy to your tenant within 28 days of inspection. New tenants must receive one before moving in.
£30,000 Fine
Non-compliance with electrical safety regulations carries a maximum fine of £30,000 per property.
Is It Worth It?
Single Emergency Call-Out
One hour of diagnosis and repair. Without cover, this comes straight out of your pocket — every time.
Consumer Unit Replacement
A failed fuse box is a common emergency. Replacement alone costs more than an entire year of cover.
Full Electrical Cover
One emergency wipes out months of premiums. For landlords, a tenant without power is a legal emergency — act immediately, every time.
How to Make a Claim
Call the Helpline
24/7, 365 days. Describe the fault — day or night.
Claim Logged
We record the fault and dispatch a qualified electrician.
Engineer Arrives
Same-day attendance aimed for all power loss emergencies.
Fixed — No Invoice
Fault repaired, parts replaced. Pay your agreed excess only.
Frequently Asked Questions
No. Home insurance covers damage caused by electrical faults — not fixing the fault itself. You need a separate electrical emergency cover plan for that.
Most policies have a 14 to 28 day waiting period. Pre-existing faults are never covered — get known issues sorted before taking out a plan.
No. Cover protects your mains electrical system only. Appliances like fridges, washing machines, and ovens are excluded from all standard plans.
An Electrical Installation Condition Report. Landlords need one every five years by law. Only NICEIC, NAPIT, or ELECSA certified electricians can carry one out legally.
Yes. Each property gets its own policy and cover includes fault repairs for all properties under your plan.