Landlord's Complete Cover for Gas Heating (Houses)

Water Supply Pipe

Repair or replacement of a leaking or blocked water supply pipe

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Internal Plumbing & Drainage

Repairs to your internal plumbing and/or internal drainage including where there is a total loss of water to your property or loss of water to your kitchen taps, blocked internal drainage, leaks, or loss of toilet facilities in your property

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

External Drainage

Repairs in the event of leaks and blockages to external drainage, to leave your drain running clear

The engineer will clear the drain or repair or replace the damaged section of waste pipe

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Electrical Emergency & Breakdown

An emergency caused by, or breakdown of, the domestic electrical wiring supply system and its components (switches, sockets, fuse box)

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Security & Roofing

Boarding up broken glazing in order to make your property secure

Making your property secure in the event of loss of keys for external doors

Use of tarpaulin to protect property in the event of roofing tiles blown off during bad weather

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Internal Gas Supply Pipe

Leaking internal gas supply pipe

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Gas Central Heating Breakdown

A leak within or breakdown of the ‘natural gas’ gas central heating boiler, the central heating system and its associated pipework

Drain down and isolate a leaking water tank, cylinder or radiator

Up to £6,000 per claim, up to 10 claims per policy period up to a maximum of 10 claims across the whole policy per policy period

Your policy includes provision for both an annual Landlords Gas Safety Inspection (CP12) and an annual gas boiler service. These are not elements of insurance and therefore do not form part of the contract of insurance, underwritten by the underwriter and is not regulated by the FSA. This also means that if you have any complaint relating to these services, you will not have the right to refer the complaint to the Financial Ombudsman Service.

Arranging your gas safety inspection (CP12)

We will contact you to arrange for an engineer to carry out an annual Landlord's Gas Safety Inspection (CP12) of the gas fired domestic boiler and all other gas appliances at your property. The Landlord's Gas Safety Inspection will record each appliance and whether or not they are safe to use at the time of inspection. Landlord's Gas Safety Inspections are normally undertaken Monday to Friday, 9am to 5pm, excluding bank holidays.

Arranging your annual boiler service

We will contact you to arrange for an engineer to service the gas fired boiler to statutory requirements, manufacturer's recommendations and relevant codes of practice. Boiler services are normally undertaken Monday to Friday, 9am to 5pm, excluding bank holidays.

For more information about what's covered and what's not, please see the Summary of Cover and Terms & Conditions of this policy, also available in the policy documents section on the right hand side of this page.

Water Supply Pipe

Costs of water lost during a leak

Sections of the water supply pipe for which you do not have responsibility

More than your fair share of the costs of a repair to a water supply pipe which is shared

Internal Plumbing & Drainage

Showers and sanitary ware (e.g. basins)

Smells and noises from pipework or drains

Any dripping tap that needs repairing

Leaking overflow pipes

External Drainage

Drains (sewers) for which you do not have responsibility (including any outside your property boundary) or beneath or inside any building

Additional repair work following resolution of the immediate problem, for example to prevent the problem happening again

External guttering, rainwater downpipes and soakaways

Electrical Emergency & Breakdown

The re-setting of circuit breakers where it is not associated with permanent repair work and where it can be reset by you

All non-permanent wiring/electrics, e.g. kettles, fairy lights or any other appliances with plugs

Security & Roofing

Doors or windows that do not secure the property

Loss of keys if your property is secure and not vulnerable to intruders

Replacement of garage doors or replacement/repair of the electrical unit powering a garage door

Internal Gas Supply Pipe

External gas supply pipe

Any gas appliance

Any pipe that is not within your property

Gas Central Heating Breakdown

Boilers which have been declared beyond economical repair (i.e. if the cost of parts including VAT is more than 85% of the retail price of the boiler)

Systems specifically stated to be not covered, including; LPG systems, unvented cylinders, fan heating, under floor heating, warm air heating

Repairs if we have advised you to carry out maintenance work to prevent a future breakdown (until that work is complete)

Repairs, where due to obsolete parts, we can no longer
cover you (your policy will have been
cancelled/transferred)

For more information about what's covered and what's not, please see the Summary of Cover and Terms & Conditions of this policy, also available in the policy documents section on the right hand side of this page.

This policy is for landlords only.

Retail, commercial and other premises used for business are not eligible for this cover, and council and housing association tenants will not need this service.

Flats, maisonettes, mobile homes, bedsits, sub-divided homes and sub-let properties are not covered.