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MMA Landlord Insurance Cover and notes

Properties to be referred

    • Properties not built of brick or stone with a tile or slate roof

    • Country mansions or listed buildings

    • Unoccupied for longer than normal periods

    • Any business use (other than office work)

    • Sums insured exceeding survey limits

    • Conversions into more than 4 flats

    • Purpose built blocks of flats with more than 4 flats per block

    • NB flatlets and 'bedsits' sharing facilities cannot be covered

Claims Service

    • 24 Hour reporting 365 days/ year

    • A simple phone call replaces the need of a claim form

    • Emergency out of hour repairs and practical advice

    • Rapid attention to repairs by approved contractors

    • Guaranteed repair work by contractors you can trust

    • Replacement of Lost or Stolen Goods by approved suppliers

The property insured

Buildings

The Sum Insured Limit
Landlords fitted carpets, curtains and blinds, domestic white goods, furniture and furnishings £5,000
Malicious damage by tenants £5,000
Trace and Access £5,000
Temporary accommodation/ loss of rent 33.3% of sum insured
Accidental damage of fixed glass, sanitary ware, ceramic hobs (not free standing) Up to sum insured
Accidental damage to cables and service pipes Up to sum insured
Emergency access/ landscape gardens £1,000
Replacement of locks £1,000
Unauthorised use of electricity, gas or water £1,000
Property owner's liability/ defective premises act £2,000,000
Standard excess (discounts available for £150, £400 and £900 voluntary excesses) £100
Subsidence Excess £1,000
Unoccupancy restriction After 60 days
Index Linked? Yes
Accidental damage cover is available for an additional 10% of buildings premium  

Contents

Limits to sums insured - if cover is required Minimum £1,000 : Maximum £40,000
Single article limit £1,000
Legal liability £2,000,000
Standard Excess (discounts available for higher excesses). Please note:
You can select different excess levels for buildings and contents - but this
is not available on our online quotation system.		 £100
Index Linkage Yes

Standard Perils

    • Fire, smoke, lightning explosion and earthquake

    • Theft, civil disturbance and vandalism

    • Storm, flood and subsidence

    • Impact by vehicles, aircraft, animals, falling aerials, trees, telegraph poles and pylons

    • Escape of water or oil from fixed installations

Buildings cover extends to:

    • Accidental breakage to glass, sanitary ware, ceramic hobs in fixed units, and damage to underground cables and service pipes

    • Legal liability for £2,000,000 arising from ownership of property

    • Employers liability for £10,000,000 to domestic employees employed in connection with the property

    • Architects and surveyor's fees, additional cost of complying with Authority requirements, demolishing, shoring or propping up the damaged structure and up to 20% for loss of rent/ temporary accommodation if the property cannot be let following damage by one of the risks above

Main exclusions

    • £100 of any claim other than for subsidence, heave, landslip or liability

    • £1000 of subsidence heave or landslip claims

    • Property more specifically insured

    • Plants, living creatures, vehicles, boats, caravans + accessories/ spare parts

    • Wear/ tear, mechanical electrical breakdown, cleaning or repair or any wilful act caused by any persons lawfully on the property

    • storm damage to fences and gates

    • War, nuclear or 'sonic bang' risks

    • loss of market value

    • Liability other than as a landlord. (Liability arising out of domestic pets IS covered but excludes liability arising out of the Dangerous Dogs Act)

    • Theft/ malicious damage to Contents in garages/ outbuildings is limited to £1,000 any one claim / £2,000 in any one period of insurance

    • Electronic computer or computer software

Insurance UK Broker B Portwood & Company Ltd