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.
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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.
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.
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.