Principal Exclusions
- The first £150 of any claim, both for Buildings and Contents claims. This is increased to:
- £250 for malicious damage and theft in certain postcode areas.
- £1,000 of any insurance claim for subsidence, landslip or heave.
- £500 of any insurance claim for escape of water (e.g. flood from burst pipes).
- £500 if you have occupants who are DSS Tenants and your property is unoccupied.
- All water pipes and tanks must be properly lagged and roof areas fully and adequately insulated.
- If the property was built prior to 1970 the electrical system must have been tested by the Electricity Board (or NICEIC registered electrician) in the last 5 years.
- Any connected gas appliance must be checked annually by British Gas or by a registered Corgi installer.
- All essential internal and external repairs to the building must have been done prior to taking out the insurance policy, unless a detailed inventory is provided recording any pre-existing but un-repaired damage, such as cracked sinks.
- We cannot provide insurance for holiday letting purposes.
- We cannot provide insurance for properties which are unoccupied for more than 90 days.
- If you have DSS Tenants and the Buildings are Unoccupied, You or Your agent must inspect the Buildings every 14 days to make sure that:
- the gas and electricity supply is off at the mains;
- the water supply is off at the mains and the system is also drained (unless adequate level of heating is maintainted from fixed heating appliances);
- all external doors are securely locked;
- all accessible windows are securely fastened and any broken windows boarded up;
- the Buildings and all yards and areas surrounding the Buildings are free from fuel and waste materials.
- You will be responsible for the first £500 of each and every claim.
Important
- Over 6 properties
- Split occupancy lets (student/non student/dss)
If you own in excess of 6 properties we can offer competitive premiums on a group policy basis - please telephone (01242) 866 866 for a quotation.
If your tenants are split between students, non students and dss, you can still be easily insured. Simply indicate the category into which the majority of your tenants fall - the insurance premiums are the same for all categories.
A landlords insurance quote will take less than a minute, and you can see just how much you could save.
About this policy
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