Policy Sections
Definitions
Cover Causes
Material Damage
Buildings
Buildings - Extensions
Buildings - Exclusions
Contents
Contents - Extensions
Contents - Exclusions
Glass. Blinds and Signs
Extensions
Exclusions
Conditions
Loss of Rent
Rent Receivable
Alternative Accommodation
Extensions
Conditions
Liability
Public Liability
Public Liability Exclusions
Employers Liability
Employers Liability Exclusions
Extensions
Conditions
General Exclusions and conditions
Exclusions
Conditions
Complaints
Making a claim |
General Exclusions/ Conditions for landlords
Landlords Insurance policies may have the following
exclusions/ conditions
-
Radioactivity, War, Sonic Bangs,
Nuclear
-
Civil Commotion / Unlawful
Association in Northern Ireland
-
Terrorism (up to £100,000 or as
required by legislation)
-
Territorial Limits
-
Pollution (Unless sudden)
-
Failure of computers to recognise
dates
-
Failure to declare unoccupancy
-
Truth of proposal and complying with
statutory obligations.
-
Keeping locks/ security correctly
-
Reporting claims correctly e.g. to
police ASAP
-
Reasonable access by insurer after an
incident
-
Contribution
-
Arbitration
-
Alteration of insurable interest
-
Misrepresentation
-
Fraud
-
Reinstatement of sums insured
-
Law applicable
Please note
Like all insurance policies, a landlords insurance
policy consists of several sections. General information about the various
sections is included. You must not assume that your policy has all of the
sections referred to (and will probably have different terms, conditions
and exclusions). If in doubt contact your insurance broker for advice.
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