Information

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Additional Cover Options

- Terrorism cover can be added from 0.0103%.
- Landlords contents can be added at a rate of 0.236%
- Legal expenses cover can be provided for an additional premium

- Manageable monthly premiums for an extra 4.2%

All prices plus 6% Insurance Premium Tax.

Full perils cover on unoccupied properties (long term empty, undergoing refurbishment or on the market for sale) can be provided - please contact us for a quote.

It is very important to understand that most landlord insurance policies do not cover your property while undergoing refurbishment or if it is empty for a prolonged period; usually 30 days. You can read more about this here.

Prices

- Professional occupied properties (including HMO’s) - 0.11%

 
- Student/Housing Benefit occupied properties - 0.196%

The price is very competitive and to insure a property with a reinstatement value of £100,000 let to a working professional or family will cost as little as £110 per year (plus IPTax) with all of the above benefits.

These rates are subject to standard terms including no claims in the last 5 years and that the property being standard construction; should this not apply we can provide a bespoke quote.

Large portfolios may attract additional discounts.

Prices are calculated from the reinstatement value. Reinstatement values can be significantly lower than the open market valuation of your property; you can obtain this information from your survey or ask your lender.

Cover Highlights

- Accidental damage cover included as standard
- Cover for malicious damage by tenants included as standard
- Loss of rent up to 20% of the buildings sum insured, following damage by an insured peril
- Nil excess on claims involving fire, lightning, aircraft, explosion and riot
- Only £50.00 excess applicable to accidental damage, malicious damage, flood, storm, impact, escape of water or oil claims
- Property owner's liability limit of indemnity - £5,000,000
- Contingent Employers' liability limit of indemnity - £10,000,000
- Automatic 35% 'Day-One' uplift for inflation and underinsurance provision
- Limited perils cover provided on unoccupied properties including those on the market for sale, undergoing refurbishment or long term voids
- In-house authority to deal with material damage claims up to £5,000 meaning claims are dealt with swiftly and effectively
- Changes can be made by phone or email and are underwritten in-house meaning changes are actioned and documentation issued immediately
- The option for monthly payments for a small additional premium