Landlord Insurance

Full cover will operate for a period of up to 90 days, subject to you taking certain precautions. Please refer to your Summary of Cover or Policy Wording for precise details of the precautions. Any changes to the occupancy of the property need to be notified to us.

No, such items are automatically included within the definition of ‘buildings’ in our landlord policies. There is no need to arrange separate landlords contents insurance in these circumstances.

Providing you have a tenancy agreement in place and they have been referenced, generally most tenant types will be acceptable. If we can’t secure you a policy with one of our scheme insurers, we can normally find cover in the wider marketplace.

All the details of our Price Beater Guarantee are available on our terms and conditions page.
If you’re a new customer with an existing landlord policy and your property meets our standard criteria, we’ll aim to beat your current price on a like-for-like basis.

Landlord liability insurance protects you if a tenant or visitor is injured or their property is damaged, due to your negligence, with cover up to £5 million per incident (or £2 million with SAGIC).

You can get guidance on rebuild costs on the BCIS website, but you should seek professional advice if unsure of the correct figure. We can assist you with calculating rebuilding values for straightforward properties.

We accept self-contained dwellings let to single occupants, couples, bed-sit accommodation with shared facilities, and houses in multiple occupations (HMOs) (read more in our article: what is an HMO?). We can also insure most commercial and part-commercial let properties at competitive rates.

Quotations for commercial let properties are not currently available online, please phone or email us. Hostel and B&B type properties, care homes, nursing homes, and properties catering for specific disadvantaged, vulnerable, or problem occupants can be quoted for on an individual basis.

Occasional claims are generally acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.