Landlords Let Property Insurance

For Policy claims please call 0344 412 4180

How to make a claim
Claims procedure and conditions
Applicable to all sections of this policy
If you do need to make a claim under this policy you must do the following:

• Provide us with full details of your claim as soon as possible after the event and always within 30 days.
• Immediately notify the police following loss or damage by theft, attempted theft, malicious damage,violent disorder, riots or civil commotion and obtain the Crime Reference Number.
• Take all steps necessary to reduce further loss, damage or injury.
• Provide us with all information and evidence, including written estimates and proof of ownership and that we may request.
• Do not under any circumstances effect full repairs without our prior consent.
• Do not under any circumstances admit, negotiate or settle any claim without our permission in writing.

On receipt of a notification of a claim we may do the following:

• Enter any building following loss or damage.
• Negotiate, defend or settle any claim made against you.
• Prosecute in your name for our benefit any other person in respect of any claim we may have to pay.
• Appoint a loss adjuster to handle the claim on our behalf.
• Arrange to repair the damage to the building and handle any salvage appropriately.

You must not:

• Throw away, get rid of or destroy items that are damaged until we say so;
• admit or deny responsibility for any incident; or
• negotiate or settle any claims made against you by anyone else, unless we agree in writing that you can.

Target Market Statement

Landlords Let Property Insurance

What customer need is met by this product?

This product is designed to provide financial protection for buildings and/or contents against certain events and catastrophes (such as fire, flood, theft, or malicious damage).

Who is this product designed for?

Individual or corporate landlords residing in the United Kingdom for more than 183 days per year and looking to insure their let properties.

Eligibility criteria

Customers must:

• Have not had insurance cancelled, declined or declared void
• Have not been convicted of any criminal offence (other than motoring offences)
• Be over 18 years old

The property must:

• not be used for any trade, professional or business purposes other than clerical work
• not be left unoccupied for more than 30 days in a row
• not be showing any sign of subsidence or ever had any damage caused to it by subsidence, landslip or heave

Who is this product not designed to support, or are there any features that you should be aware of when considering this product for your customer?

Customers looking to insure buildings for more than £750k or contents valuing over £50k in total value.

Claims will not be covered for cases of wear and tear or for undamaged items that are part of a set or suite.

Claims will not be covered for any damage to buildings and/or contents that the tenant has been made liable for under the terms of their tenancy agreement.

Theft claims will only be covered where there is a forcible and violent entry or exit.

Theft and vandalism claims will not be covered where damage was caused by the tenant.

No cover for accidental damage caused by domestic pets.

Can this product be sold with or without advice?

This product can be sold with or without advice depending on your preference and in line with FCA regulations.

How can I offer this product to my customer?

This product can be sold face to face, via telephone, or online application.

Optional add-on covers:

In addition to the answers above, the table of responses below applies to the given optional add-on covers which are only available when taken out with a Landlords insurance policy covering either Buildings and/or Contents.