Coronavirus
The Consett office is open to the
public and collecting presents to give to children for Christmas.
Please do not come if you are showing symptoms of COVID-19 or are self
isolating.
Our Bishop Auckland Office remains
physically closed to the public. We are providing a full service by
phone to our loyal customers.
Landlord Insurance
Landlord Insurance for the accidental
and professional landlord. It provides both buildings insurance and
landlord contents insurance of residential property in the UK. Also included is loss of
rent cover, property owner's liability. Landlord insurance is available
for Assured Short term tenancy agreements,
DSS referrals,
asylum
seekers,
refugees,
students and HMOs at a competitive premium. Generous discounts
for landlords requiring multiple property insurance, increasing the excess, or
with a no claims bonus.
Full Quote for landlord insurance
For
landlords wanting confirmation of the premium for insurance. Enter
details to receive statement of facts and then decide to buy online -
or call us to discuss insurance requirements or answer any queries.
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Unoccupied property insurance
Use
this to obtain a written quote and statement of facts. The insurance policy does not have to be purchased once the quote is
obtained. Any queries please call us and we'll sort out your needs for
insurance.
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Over 75 Travel Insurance
Save 10% on our over 75 travel insurance online
Cheaper travel insurance may be
available if you call 01207 509446!
As experts in the field of
travel insurance for the
over 75, we can offer free advice
and a range of policies to suit your needs that
are unavailable online.
Examples of special needs are:
- Cruises
- Expensive Holidays needing high cancellation
cover
- Long Stays - no limit
- Winter Sports - ski-ing etc
- Trips involving multiple flights
- Independent Travel
- Annual travel Insurance
- Most Medical conditions covered
- Hazardous or dangerous activities
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Travel insurance to cover coronavirus (COVID-19)
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Key features of our
residential landlord insurance
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Up to £1,000,000
buildings insurance available online. Quotes for higher buildings
insurance available on request. Minimum 6-month rental agreements between
landlord and tenant/ organisation responsible for
tenant.
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One rate for buildings
insurance anywhere outside the London Area. Major cities such as
Birmingham, Manchester, Leeds, Liverpool, Newcastle are lowest rated
for landlord buildings insurance.
Landlord insurance in London is slightly more expensive - but still
competitive.
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Accidental damage
insurance is available for all tenant types.
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Quotes are available for
landlords insurance to cover Students.
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Quotes are available for
landlords insurance to cover Asylum Seekers
provided the agreement is with G4S or Local
Governments.
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Quotes are available for
landlords insurance to cover DSS
referrals.
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Insurance is available
for landlords of holiday homes.
(Whether the holiday home is for own use or is let out, insurance is
available.)
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(Landlords renting to
people on low income e.g.
unemployed, retired where the agreement is between the landlord and
tenant are rated at standard rates - the same as those where the tenant
pays the full rental direct to the landlord, commonly called 'professional lets')
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The excess on the policy is very
low:-
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A standard excess of £75.00
for most claims, £350.00 for escape of water and
£1,000 for subsidence.
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Save Money by increasing the
excess (or to compare our landlord insurance
with other quotes). NB the excess replaces the
standard £75.00 excess, not added to it.
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£100.00 - Save 5%
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£150.00 - Save 10%
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£250.00 - save 20%
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£500.00 - save 25%
(Escape of water excess is increased to
£500.00)
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£1000.00 - save 30%
(Escape of water excess is increased to
£1000.00)
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£50.00 - costs 5% more
(Other excesses remain the same.)
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(Unless insuring portfolios
or properties with a very high rebuilding cost,
we do not recommend a high excess with your
landlord insurance.Increasing the
excess beyond £250.00 saves little unless
you own a very large or multiple properties..
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In addition to landlord
insurance for buildings and contents the following covers are
available: -
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Legal Expenses Cover
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Rent Guarantee and Legal Expenses
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Please note that some insurers are implying
their 'loss of rent cover' covers loss of rent
if the tenant defaults. This is not usually the
case. Policies normally cover loss of rent only
if the tenant has to move out following a claim
for damage due to an insured peril.
Available to other Intermediaries
Our
scheme is available should other intermediaries (sub-broking) or
letting/ estate agents (IAR status) request.
Information about our landlord insurance scheme. : For
Brokers Broker Login
Landlords Insurance for
multiple properties
Special rates for landlords
insurance is available for the professional landlord owning multiple
properties on a property portfolio. With a generous discount of up to
20% on standard rates and reduced fees, the premiums are extremely
competitive. However we also go the extra mile to make life easier for
landlords. All tenancies - standard, DSS lets, asylum seekers, students, HMOs, can be insured.
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We will accept new
properties, even those unoccupied or being renovated onto the policy.
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We only need 3
properties to be covered on this portfolio insurance.
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As we quote for all
types of tenants, there is no need to have several landlord insurance
policies.
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Quotes are available
online (as is the ability to purchase the insurance) - however we will,
of course discuss your needs if you call us.
Full quote and buy landlord insurance
for portfolios
Obtain a statement of fact. Either buy the
insurance online or contact us and we will discuss
your requirements. Portfolios have lower policy fees
and generous discounts.
All properties must be covered on the same basis
i.e. excess and if AD is needed.
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Landlord Insurance for
non-standard risks
Own a property of
non-standard construction? Has had previous subsidence? Is in an area
that may be subject to flooding? As well as our own scheme, which will
consider each case on its own merit if details are referred to us, we
have access to other specialist insurers who can cater for non-standard
risks. Please call us with full information including that pertinent to
the reason why such a risk is not standard.
Unoccupied Property
Insurance
Bought a property to 'do up'
and then let out? Moving home? Owner died or gone into a nursing home? Our
unoccupied property insurance is available for all types
of unoccupied
property. We cover property that needs renovating, even structural
renovations. There are two levels of cover: -
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Full - basically the
same as a normal landlord insurance policy. To qualify for this level
of landlord insurance the property must have 5-lever door locks and
window locks, be inspected weekly (and a record kept) and the central
heating system either drained or kept on constantly at 15C from Nov 1st to 31st
March. Not
available for property being structurally renovated.
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Limited - generally
excludes wet perils. Cover is still much wider than FLEA (that many
policies are restricted).
When a tenant moves in -
just call us. We will transfer the policy over from being on an
unoccupied basis to a normal buy to let policy. There will be no need
to cancel the policy and it is extremely likely there will be a return
premium
(The policy is available for
unoccupied property that is NOT going to be let out - if sold we can
cancel the policy, if you move in then we can convert it to a home
insurance policy at competitive premiums)
Quote and buy unoccupied property insurance
Use
this to obtain a written quote and statement of facts. The insurance policy does not have to be purchased once the quote is
obtained. Any queries please call us and we'll sort out your needs for
insurance.
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A landlord insurance
comparison
To check whether our
landlord insurance was competitive we made a landlord insurance
comparison on several other landlord insurance providers. The
landlord insurance comparison confirmed landlords can save money with
our product. Not only that our excesses (when compared to other
landlord insurers) are usually much lower - and our product is backed
by an ethical landlord insurance provider. Here are the results of our
comparison, with examples of insurance for DSS referrals, asylum seekers, HMOs when appropriate.
Full results of the
landlord insurance comparison are available : -
(results of our landlord
insurance comparison were correct at the time, however rates fluctuate
and we cannot guarantee that they remain correct.)
Home Insurance - We offer both
bedroom rated and sum-insured options.
We also offer home insurance. A special home
insurance scheme is available through our scheme provider offering
combined buildings and contents insurance from £161.20 - to cover
£50,000 contents and up to £500,000 buildings as standard - this
policy provides some home emergency cover included in
the price. Other
policies are available for home owners needing cover over and beyond
these standard amounts. We have many other bedroom contracts available if you
call us on 01388 607105 and can offer substantially
lower prices for homes with fewer than 4 bedrooms or in
a low-rated area.
Bedroom Rated
(For
customers wanting insurance with no adverse features - maximum one
claim up to £5,000 in
last 3 years - immediate cover available.).
For Buildings and
Contents insurance cover (if using a mobile
device)
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Sum Insured Rated
(Non standard property, high sums insured etc. As Insurance
Brokers we'll view suitable risks sympathetically. )
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Links to pages about over 75 travel insurance
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Important Note that could affect landlord insurance policies
Landlord insurance providers are already adding this into
their policy terms and conditions.
From
October 2015when the premises are occupied under a tenancy or a licence
a carbon monoxide alarm must be provided by the landlord in any room in
premises which is used wholly or partly as living accommodation which
contains a solid fuel burning combustion appliance. This applies to any
kind of wood burning stove or an open coal fire. It will also extend to
equipment such as a solid fuel Aga in the kitchen. This is already a
requirement with new installations of solid fuel burning combustion
appliances as under Building Regulations there is a requirement to
install a carbon monoxide alarm. This is now extended to any existing
appliances already in place before Building Regulations imposed this
requirement or where building regulations are not observed.
Similarly the landlord must place a smoke detector on every
story on
the property.
The
landlord is specifically required to carry out a check to ensure that
smoke alarms or carbon monoxide alarms installed to comply with the
Regulations are in proper working order on the day a tenancy begins
where it is a new tenancy. A new tenancy is a tenancy granted on or
after 1st October 2015.
Some
properties are exempt:
- A tenancy under which the occupier
shares any accommodation with the landlord or a member of the
landlord's family. There must be a sharing of an amenity which includes
a toilet, personal washing facilities, a kitchen or a living room but
excludes any reference to storage or access.
- A tenancy which is a long lease or
which grants a right of occupation of the premises, i.e. for more than
21 years.
- Student halls of residence.
- Hostels
- Care homes
- Hospitals
- Accommodation relating to health
care provision
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Landlord
Insurance
Companies
As
insurance brokers we also have access to landlords insurance through
various
companies/ wholesalers
Cover
for landlords is available through other providers if needed .
Areas
Covered under landlord insurance
Note
that we only provide landlord insurance for properties situated in the
UK, London, and Northern Ireland. However the owner needing to
cover the property may be resident anywhere in the world. (Landlord insurance in London offers
great value. A house
with a rebuilding cost of £500,000 in London area, could still be
insured for less than £400.00 )
Contact us
Our new website about
landlord insurance and how
to contact us
is now available. We welcome calls during office hours and will
respond to any contact requests outside those hours as soon as
possible. Other products are
home insurance,
travel
insurance,
motor
insurance and
commercial insurance.
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If we can't get you a decent travel insurance quote
If we can’t offer you the travel insurance cover you want, or your premium is higher than you expected because you have serious medical conditions, you may be able to get help by accessing the
Money and Pensions Service travel directory or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).
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