- 01772 702000
- info@platformfs.co.uk
- Derby House Chambers, Suite 7, Lytham Rd, Preston PR2 8JE.
Plumbing and Drainage Cover
Stop Leaks Becoming Expensive Emergencies
A blocked drain or burst pipe never happens at a good time. One fixed monthly payment covers everything — no surprise bills, no midnight plumber searches.
Landlords: legally required to keep all water installations in working order. We make that easy.
What Is Plumbing and Drainage Cover?
A protection plan for your home's pipes, drains, toilets, and water supply. When something goes wrong, you call one number. A qualified plumber arrives, diagnoses the fault, and fixes it — parts and labour included.
What Does It Cover?
Hover each card for a key tip to check before buying.
Burst & Leaking Pipes
Internal pipes throughout your property, including supply and return lines.
Blocked Drains
Internal and external drainage — toilets, sinks, baths, and outdoor gullies.
Toilet Faults
Toilets that won't flush, overflow, or have a failing cistern mechanism.
Leaking Taps & Overflows
Faulty tap washers, overflow pipes, and supply valve failures.
Stop Taps & Cold Tanks
Cold water storage tanks and stop tap failures that affect your supply.
Water Supply Pipe
From your property boundary to the home — your responsibility, not the water company's.
Who Needs It?
Hover each card to see why it matters for you.
Homeowners
Hover to see your exposure →
You're Fully Responsible
If a pipe bursts on a Sunday evening, you pay the full emergency rate — typically £150–£600 plus a £100–£120 call-out fee. Without cover, it comes straight out of your pocket.
Landlords
Hover to see your legal duty →
Your Legal Obligation
Section 11, Landlord & Tenant Act 1985 requires you to keep pipes, drains, and all water installations working. If a tenant reports a fault, you must act fast. Cover means an engineer is booked immediately.
Is It Worth It?
| Repair Type | Typical Cost |
|---|---|
| Burst pipe repair | £150–£600 |
| Emergency call-out fee | £100–£120 |
| Unblock a toilet | ~£146 |
| Blocked external drain | £400+ |
| Monthly cover plan | From £5/mo |
One call-out = months of cover
A single emergency call-out costs more than several months of premiums combined.
Older properties, higher risk
Older pipes fail more often. Parts are harder to source. Repair bills run higher — cover pays off faster.
Legal protection for landlords
Cover keeps you legally compliant under Section 11 without the stress of finding contractors at short notice.
What Is Not Covered?
No policy covers everything. Always read exclusions before you buy.
Pre-existing Faults
Any problem that existed before your cover started is not included. Get known faults repaired first.
Shared Drains
If a drain serves multiple properties, responsibility depends on where the blockage sits.
Pipes Outside Boundary
Your water company is responsible for the main sewer. Your policy covers your side of the boundary only.
Misuse & Negligence
Blockages caused by flushing wipes or pouring grease down drains may be excluded from claims.
How to Prevent Plumbing Problems
Never pour cooking fat or grease down the sink. It solidifies in pipes and causes serious blockages — the leading cause of drainage claims.
Do not flush wet wipes, even ones labelled flushable. They do not break down and create fatbergs inside your drainage system.
Know where your stopcock is. If a pipe bursts, turning off the water immediately limits damage significantly.
Insulate pipes in lofts and unheated spaces before winter. Frozen pipes crack and burst when temperatures drop overnight.
Act early on slow drainage, gurgling sounds, or bad smells. Catching problems early costs far less than emergency repairs.
How to Make a Claim
Call or Log Online
24/7 helpline available. Describe the fault clearly — day or night.
Engineer Booked
Same-day attendance aimed for all emergencies.
Fault Fixed
Engineer arrives, diagnoses, and repairs — parts replaced as needed.
No Invoice
Pay only your agreed excess. No extra charges on top of your plan.
Frequently Asked Questions
Most policies have a 28 to 30 day waiting period. Pre-existing faults are never covered — get known issues repaired before taking out a plan.
Not usually. Buildings insurance covers water damage to your property — it does not cover fixing the pipes or drains that caused it. You need a separate plan.
If a drain serves only your property, you are responsible. If it serves multiple properties, your water company or local authority may share responsibility. Check with your provider.
Yes. Separate policies per property are available. Each includes a dedicated helpline and allows tenants to report faults directly.
Minor issues like a dripping tap are safe to attempt. Anything involving stop taps, supply pipes, or drain systems should go to a qualified plumber — DIY repairs can void your cover.