What is an excess?
Our Landlord Insurance policies include certain excesses. These are the amounts which you have to pay yourself in the event of certain claims. The excesses are shown in the Policy Summary and in the Policy.
Are there any restrictions in cover if the premises are unoccupied for long periods?
Yes. Unoccupancy Conditions apply. Please refer to the Policy Summary and / or the Policy.
How can I make sure the 'sums insured' stays up to date?
If you provide us with the full rebuilding cost including professional fees, statutory and site clearance costs, we will automatically index-link the sum insured for you so that it goes up in line with inflation but you should also check it yourself in case of other variations.
Are any discounts available ?
We offer discounts for increased excesses for both the Premises and Contents sections of your Policy.
Can I cover my Legal Liablility as owner of the Landlord Premises and owner of the Landlord Business Contents ?
Yes. Please refer to Policy Summary.