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Home » Landlords » Excess Protection Insurance

Our Excess protection insurance can be used by landlords and property owners. Excess protection reimburses you for the cost of your policy excess in the event of an insurance claim, helping you to avoid unexpected expenses relating to your property.

  • Available from £20 a year
  • Claim for up to £3,000
  • 12 months’ cover
  • UK-based advisers
  • In-house claims team

The Alan Boswell Group Difference

Alan Boswell Group - personal

Having worked with the UK’s landlords for more than 20 years, our specialist advisors understand the many challenges you face. To help you manage those, we can provide a wide range of market-leading insurance products, backed up by excellent customer service and a dedicated in-house claims team.

In fact, we’re proud to say that our advice and service have been recognised by the industry and our customer feedback scores are proof of our consistently high standards.

How our customers rate us

Quick and efficient service. No pressure. Explained everything clearly. Great to deal with.

Miss Allen, Landlord insurance customer

Excess Protection Insurance in detail

As a property owner, it’s likely your insurance policies will have varying levels of excess.

For example, you may have to pay a standard policy excess of £250, but higher excesses may apply for escape of water, subsidence and/or malicious damage by a tenant. You may even face an increased excess if you suffer a large loss.

Excess protection insurance makes it easier to manage those costs, allowing you to make a further claim for the value of excess paid. It works alongside your normal property owners insurance policy and will cover the cost of your excess up to a pre-agreed limit.

  • Low cost Available for £20-£50 a year
  • Multiple claims allowed For instance, if you choose an annual limit of £500, you could make two claims where the excess paid is £250; if you choose a £1,000 limit, you could make four claims for £250 excess per property. All values apply per property.
  • High limits available Cover limits from £300 to a £3,000 during your period of insurance

Cover is only available where we also insure the buildings. Excess protection cover must be purchased on all properties insured under the same property portfolio. This product is not available as a standalone option.

FAQs

  • When you have paid an excess following a successful claim on your property owners insurance policy – providing this was within the period of excess protection cover. There are some exclusions, which will be set out in your policy wording.

  • The value of the excess paid under your property owners policy, up to the annual limit of your cover (see above).

  • Yes. This product is designed to be used in conjunction with claims made under your property owners insurance and the addressees declared on your policy schedule.

  • Yes, but some companies refer to it with a different name. Each policy will have its own terms and conditions, depending on the insurer.

  • No, it has to be bought in conjunction with property owners insurance.

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