What are student lets?

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For landlords insurance, we define a Student let as property let to more than one student. These properties normally have several students, usually each with a single room, but the cooking facilities must be shared. These properties are frequently unoccupied when the students are down and appropriate regular checks should be undertaken to minimise the chance of a damage to the house.

Policies normally offer the options of covering:-

• The buildings

• Landlords contents (NOT those of tenants!)

• Property owners liability

and some contracts may be extended to include accidental damage to the buildings and employers liability. Rates may depend on the number of students in the property

Please note that we may require confirmation that you have registered with your Local Authority under the 2004 housing act if your house qualifies as a 'HMO' Home of Multiple Occupation (Usually 3 stories or more and let to 5 or more people.

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Our home page is devoted to landlords insurance but you can obtain other policies as well

When applying for insurance, when an insurance policy is renewed or during the course of an insurance policy if they are changed, you must inform the insurance company of any change in material facts. Failure to do so could invalidate your policy.