External locks

Gas supply

Water supply

Roof damage

Electricity supply

Lost Keys

Landlord Home Emergency Insurance

Landlord Home Emergency Insurance

 12 months cover for just £89

or pay monthly at just £8.16 per month

What’s covered?

  • Boiler
    Total failure of your central heating involving a boiler or warm air unit causing unreasonable discomfort or risking frost damage to the home.
  • Heating
    Failure of your domestic hot water or heating.
  • Plumbing
    Burst pipes or sudden leakage likely to cause damage to your home or its contents.
  • Water
    Failure or damage to underground drains or sewers.
  • Lost Keys
    If you lose the only keys to gain access to the property or you cannot gain access due to failure or damage to the locking mechanism.
  • Mains Services
    Failure of your main services including electricity, water and gas.
  • Break-in
    Break-in or vandalism reported to the Police which compromises the security of the home.
  • Toilets
    Failure of your main and only toilet which has resulted in water leakage that could lead to damage or which renders the toilet inoperable.
  • Security
    Securing the property where the external locking mechanisms, doors or windows have failed or been damaged.
  • Vermin
    Pest Infestation. Removal of wasps nests, field and house mice or brown rats within the main building of your premises.
  • Roof
    Missing or repositioned roof tiles likely to cause damage to the home or its contents.
  • Alternative Accommodation
    Up to £250 towards overnight accommodation where the property is unlivable due to an emergency.
  • Claim Limit
    Up to a maximum of £500 for any one claim including VAT, call-out charges, labour, parts and materials.
  • Policy Limit
    Up to a maximum of £2,000 during the period of insurance.

Insurance Product Information Document

It is important that you read this document carefully along with the Policy Wording provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

It is important that you read this document carefully along with the Insurance Product Information Document provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

This is a Landlord Home Emergency Insurance which covers your private property, of which you are the legal owner and is used for domestic letting purposes only, against emergency repair for the period of insurance subject to the policy terms and conditions. It does not cover normal day-to-day maintenance, which you should carry out and pay for.

You must answer all questions about this policy honestly and fully at all times and you must also tell Us straight away if anything that You have already told Us changes.
If you need to claim, you must call us as soon as possible so that we can arrange for an approved contractor to assess the situation and deal with emergency.
You must protect your premises, keeping it in good condition and regularly carry out routine maintenance.

You can pay your premium as a one-off payment. Payment can be made by debit or credit card.

The maximum that we will pay during any period of insurance is £2,000, including VAT.
Any boiler which is more than 10 years old, or which has an output of more than 60 kilowatts per hour.
Properties of which you are not the legal owner.
Properties used for commercial purposes, other than letting.
Where there is no written tenancy agreement in place between Landlord and tenant.
Your property must be a house, bungalow, self-contained flat or maisonette.

Frequently Asked Questions

How many claims can I make?

You can claim up to £500 per individual claim. There no limit on the number of times you can claim in the period of insurance. The maximum amount that will be paid during the period of insurance is £2000.

Is there an excess fee?

No. There is no excess to pay.

Can I claim within the first 14 days?

No. You cannot claim within 14 days of the start date of your policy.

Will I pay interest if I pay monthly?

Yes. Oops has teamed up with Red Apple Finance to offer monthly payment terms. Red Apple Finance charge 10% interest on a 12 month policy with an APR 19.50%.

Which insurer underwrites this policy?

Our Home Emergency Insurance policy is underwritten by Astrenska Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FCA Register number 202846). You can check this on the FCA’s register by visiting the website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.

Is this policy covered by the Financial Services Compensation Scheme?

Yes. Astrenska Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS).

Can I cancel my policy?

Yes. If you cancel within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later you will receive a full refund on the condition that no claims have been made or are pending.

If you wish to cancel after the 14 day cooling off period no refund of premium shall be due.

Need to claim?

Logging a claim is quick and easy.


You can log a claim in your customer portal 24 hours per day 365 days of the year.

Alternatively, you can telephone the insurer claims lines on 01444 444240.

For urgent gas leaks please call the National Gas Emergency Service on 0800 111 999.

Please make sure you have complied with the policy wording to ensure that the insurer accepts and resolves your claim in a timely manner.


Login to your customer portal and log your claim in just a few clicks


Once your claim is logged, complete the claims form


Your claim will be passed to insurers for validation and processing