Landlords Buildings & Contents Insurance
Landlords Insurance Made Easy
Our policy is available to landlords of UK residential let properties (subject to the published acceptance criteria) and we offer a choice of Buildings insurance, additional landlords Contents (with or without Accidental Damage) and we even offer landlords Contents in isolation with Property Owners Liability cover, ideal for leasehold flat owners.
GET A QUOTE IN 5 EASY STEPS:
Step 1 - Open the Buildings &/or Contents Brochure (click here for the brochure)
Step 2 - Determine the area rating of your rental property (from only 2 areas)
Step 3 - Select the applicable tenant type
Step 4 - Select the sum(s) insured required
Step 5 - Look up your annual premium(s) within the premium tables.
To arrange cover, simply complete the application within the brochure and post to us along with your payment details, alternatively telephone us on 0118 970 3775 where one of our experienced advisers will be happy to arrange immediate cover for you.
Acceptance Criteria
To apply for cover you must be able to agree to all the following:
The address of the property to be insured and the building
• is used solely for domestic purposes
• is solely constructed of brick, stone or concrete
• is roofed solely with slate, tile or concrete
• is in a good state of repair and will continue to be so
• was built after 1800
• is free from flooding and NOT situated in an area of flooding
• is NOT situated within 500 yards/metres of any river, lake, sea or any other water or flood hazard
• is free from signs of internal, or external stepped or diagonal cracking
• is NOT situated in an area prone to subsidence, heave or landslip
• has NO trees or shrubs within 5 metres of the property which are more than 5 metres tall
• if unoccupied is NOT undergoing any structural refurbishment or change and is NOT to be sold
• if unoccupied the surrounding area has no other unoccupied properties
• has NO outbuildings (other than small garden sheds, domestic greenhouses or garages)
• is NOT a bedsit
• has all final exit doors fitted with five lever mortice deadlocks (Area 2 or any property with over £15,000 worth of contents cover)
• has all accessible windows fitted with key locks (Area 2 or any property with over £15,000 worth of contents cover)
• is NOT used as a weekend or Holiday Home
• is NOT situated above or next to a commercial or trade premises whether currently trading or not. i.e restaurant, shop
• is attended by you or your agent in order to carry out maintenance and / or regular inspections every 6 months if occupied or every 14 days if unoccupied
• has NOT suffered more than two losses or damages to the property with costs more than
£2,500 in the last 5 years.
You the owner(s) of the property to be insured
• are the legal owner of the property and are named on the title deeds or lease agreement
• have never entered into an agreement or contract with any government, local government, or similar department to house any person(s) referred to you or them by persons or other bodies acting on their behalf
• have NOT suffered more than two losses or damages to a let property owned by you in the last 5 years and combined claims costs have not exceeded £2,500 (whether insured or not)
• have NOT incurred any County Court Judgments, ever been convicted or charged but not yet tried for a criminal offence, been declared bankrupt or involved in a company which has become insolvent or which has gone into liquidation
If your risk details do not fall within all of the Acceptance Criteria, please click the ‘Request a Manual Quote’ link below, complete and submit your quote request form and we will aim to get back to you within 1 working day. Alternatively, if you prefer to speak with an adviser please feel free to call us on 0118 970 3775
(Lines are open 9:00am – 5:00pm, Monday to Friday)
Description
Our policy caters for the following:
- Professional Lets
- Student Lets
- DSS or Benefit Claiming Lets (direct agreement between landlord and tenant)
- Unoccupied Properties (to be let)
- Self-Contained Single Flats
Our policy is underwritten by Great Lakes Reinsurance (UK) Ltd and includes £2,000,000 Property Owners Liability cover for your complete protection.
About this policy
This Buildings and/or Contents insurance policy has been arranged for Keysafe Insurance Services by JBI International Insurance Brokers Ltd (the administrators of Keysafe Insurance Services) in partnership with and underwritten by U-Sure Insurance Services Ltd on behalf of Great Lakes Reinsurance (UK) PLC.
JBI International Insurance Brokers Ltd have been trading for over 30 years and have a wealth of experience in providing insurance solutions to niche markets with rental property insurance being one of them.
Our aim is to provide excellent customer service at all times and in the unlikely event that this does not occur we will always act extremely quickly to put things right. It is our intention to make both the process of purchasing insurance and the ongoing servicing of your policies as simple as possible.
Keysafe Insurance Services (FSA Register No. 315206), JBI (FSA Register No. 308981), U-Sure Insurance Services Ltd (FSA Register No. 315451) and Great Lakes Reinsurance (UK) PLC (FSA Register No. 202715) are all Authorised and Regulated by the Financial Services Authority. Full details are available at the FSA website: www.fsa.org.uk
JBI International Insurance Brokers Ltd are members of the British Insurance Brokers’ Association (BIBA) and the Institute of Insurance Brokers (IIB).
Unsure of your Rebuild Sum Insured?
You must select a rebuild sum insured that covers the full rebuild cost of your property, not the market value.
The rebuild or reinstatement value of a property is usually stated within a surveyors report obtained for mortgage purposes. You may also seek guidance on how much to insure your property for by visiting the Association of British Insurers’ (ABI) website: http://abi.bcis.co.uk
JBI International Insurance Brokers Ltd are not qualified in any way to advise you on how much you need to insure your property for. It is your sole responsibility to ensure that you have sufficient cover in place.
