Policy Cover FAQs
Read our most frequently asked questions listed below. To narrow down your search try selecting a specific category or if you cannot find the answer you are looking for please do not hesitate to contact us.
-
Categories
-
- All
- Buildings Insurance FAQs (27)
- Buy To Let FAQs (32)
- Claims FAQs (3)
- Commercial Insurance FAQs (11)
- Commercial Vehicle Insurance (8)
- Contents Insurance FAQs (25)
- Documents FAQs (3)
- DSS Insurance (2)
- Flat Insurance FAQs (4)
- Hairdressers/Beauty Salons FAQs (7)
- HMO Property FAQ (8)
- Holiday Homes FAQs (17)
- Household Insurance FAQs (5)
- Insurance Types FAQs (9)
- Landlord Insurance FAQs (36)
- Legal Expenses FAQs (2)
- Liability Insurance FAQs (3)
- Listed Buildings FAQs (9)
- Live-in Landlord FAQs (3)
- Multi Property FAQs (11)
- Policy Cover FAQs (19)
- Professional Tenants (1)
- Pub & Restaurant FAQs (4)
- Tenant Types FAQs (10)
- Unoccupied Properties FAQs (9)
- Wholesalers FAQs (8)
How long is a quote valid for?
30 days.
Read more
What does the legal policy cover?
Landlord's legal protection is an insurance policy to protect you as the landlord of your property, in case your tenants are in breach of their contract and you need to take them to court. The insurance policy will cover the legal costs incurred.
Read more
Can cover be increased after the unoccupancy clause?
No, unfortunately we are unable to increase cover at the end of an unoccupancy clause. If the property remains vacant, cover is reduced and then increased when the property is re-tenanted.
Read more
What insurance would I need if I am a leaseholder?
Your lease agreement might dictate that you are responsible for insuring the buildings, in which case we can provide you with a landlord insurance quote. Alternatively, you will at least want to insure your landlord contents, fixtures and fittings. Although we can't currently quote online for this we have a number of insurers that offer policies to meet your needs so click "get a call back" or call us on 01788 818670 for a quote.
Read more
Can I buy landlord building insurance if I live in the property myself?
Some insurers will allow you to have a landlord’s building insurance policy if you’re initially living there, on the basis that you will move out and your tenant will move in within 8 weeks. If you intend on staying in the property with tenants there too, you will need a household building insurance policy rather than a landlord building insurance policy.
Read more
When will I get my landlord home insurance documents?
Documentation is usually emailed to you within 48 hours but we are happy to post out hard copies upon request. All of our policy booklets are available online and a link will be provided in your welcome pack.
Read more
Are my personal belongings covered under buy-to-let insurance?
Unfortunately, your own personal belongings won't be covered on this policy and you will need to take out a household policy to cover your contents.
Read more
Do you offer contents only policies?
We do offer landlords contents only policies over the telephone. Just click "Get A Callback" above or call us on 01788 818 670.
Read more
What is free white goods cover?
If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will be insured for all the standard perils that are listed under the buildings section of your policy.
Read more
Is it my responsibility to insure the contents?
Tenants should have their own contents insurance for items they keep in the property. However, if your property is furnished, it's your responsibility to have landlord contents insurance for the items you own, as well as any fixtures and fittings.
Read more
Home selling secrets
Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.
First time landlords
We are first time landlords and you gave good advice and the process was easy and good value.
A pleasure to deal with
A pleasure to deal with, the lady on the phone was a credit to her company.