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Keys (UK) Limited is an Appointed Representative of Julian Harris Mortgages Ltd. Authorised and regulated by the Financial Services Authority in the conduct of mortgage and general insurance business with FSA No. 304155.

 Keys (UK) Limited is an appointed introducer for Lorica General Insurance Limited.

Your home may be repossessed if you do not keep up repayments  on a mortgage
or other loan secured on it. 

Think carefully before securing other debts against your home.

Buy to let (pure) and commercial mortgages are not regulated by the FSA. 

Additional Cover Options

- Full perils cover on unoccupied properties can be provided - ask for a quote

- 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

All prices plus 5% Insurance Premium Tax.

Prices

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 with all of the above benefits.

- Professional occupied properties (including HMO’s) - 0.11%
- Student/Housing Benefit occupied properties - 0.196%
- All unoccupied properties - 0.275%

Large portfolios may attract additional discounts.

Prices 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