Landlord Home Emergency 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 card, credit card or BACS. We have teamed up with Close Brothers Premium Finance to offer monthly payment terms. Close Brothers Premium Finance charge 10% interest on a 12 month policy with an APR 19.50%.
The maximum that we will pay during any period of insurance is £1,500, 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 £1,500.
Is there an excess fee?
It Depends. If you purchase our “Nil Excess” policy, you will not have an excess to pay per claim. If you purchase our “Excess” policy, there is an excess of £50.00 per claim to pay.
Can I claim within the first 28 days?
No. You cannot claim within 28 days of the start date of your policy.
Will I pay interest if I pay monthly?
Yes. Oops has teamed up with Close Brothers Premium Finance to offer monthly payment terms. Close Brothers Premium 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 City & Commercial Insurance Company (PCC) Limited re Smart Cover Insurance Cell, 3rd Floor, One Cornet Street, St. Peter Port, Guernsey GY1 1BZ and is authorised by the Guernsey Financial Services Commission (GFSC). GFSC Reference: 54692. Details of registration can be checked using the link: https:/www.gfsc.gg/commission/regulated-entities/54692.
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, less our administration fee, on the condition that no claims have been made or are pending.
If you wish to cancel after the 14 day cooling off period, provided that no claims have been made or are pending, you will be entitled to a pro rata return of premium less an administration fee by the insurer of £20.00 and less our administration fee.
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.
If your policy was issued prior to the 31st Mrach 2021, you can telephone the insurer claims lines on 01444 444240.
If you policy was issued after the 1st April 2021, you can telephone the insurer claims lines on 03333 449 247.
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.