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As well as the declared value, there’ll also normally be a ‘sum insured’ amount on the schedule of insurance. This figure includes a percentage increase designed to cover inflation during the insurance year. The sum insured is a benefit to the property owner as its purpose is to prevent under-insurance in the event of inflation, for example, if the price of bricks and building materials were to increase.
It’s important that the property is insured for its full value to avoid claims being reduced due to under-insurance. When a property is under-insured, any claims made will be subject to an average. This means that any valid claim pay-out will be proportionally reduced by the amount that the property is under-insured.
If you are a landlord then we need to know about any claims you have made on properties you are letting out, this includes any properties that you have lived in at any one time but are now letting out. We also need to know about any subsidence, heave, landslip or flood regarding both the property and it's immediate surrounding area. As with all our insurance policies, we would also need claim dates, claimed amounts and a short explanation of what the claim was for.
Unfortunately the acceptance criteria required for our residential let product does not allow for those scenarios where the landlord is also residing at the property.
However we may be able to offer you a quotation for a Home insurance policy. You can complete a quote online or call us on 0333 234 1556.
Yes we can, however there will have to be an agreement in place, even if it is between the company and the tenant in addition to the agreement between the company and the landlord
We are unable to provide you with this information at quote stage, it is down to you to find out the age of your building.
If you are in the process of buying the house, ask your seller or their agent. As part of a sale, the seller must complete a 'Seller's property information form' which may contain the property's age. If you have a mortgage, your survey may say how old the building is or your local authority may have a record of when planning permission was granted. If you are renting then it is likely your Landlord will have this information to hand.
If you have an older house, you could:
• Search the 1862 Act register on Land Registry's digital archives. It contains information on 2000 properties, which you can search for free.
• Look at the architectural style and features of the house, particularly the roof and position of the windows. The Valuation Office Agency gives tips on estimating the age of a property using such details.
• Check your parish records, county record offices or your local library which may have local archives.
• Check historical editions of Ordnance Survey maps.
• Contact a local history society to see if they can help you.
• Look at census returns made at ten year intervals between 1841 and 1911 to find a first mention of the address.
We will calculate your renewal premium approximately 28 days before your renewal is due. Your renewal documents will appear in your online account at least two weeks before your renewal date, you will be alerted by post to your correspondence address and also by email if you have provided us with a valid email address. You can renew easily using our 'one click' service, in your online account just follow the link in the renewal communications.
To access your account sign in here.
Please check your stored card payment information carefully and contact us if you need to use a different method of payment for your premium (or if we don't have previous card details). Please note that if we are unable to collect the premium payment from your card your policy will not renew.
Once your policy expires or if you need to make changes to your details or the cover you need, you'll need to call our contact centre.
The rebuild value of the property is the potential cost of reinstating the property to its former standard following a total loss. The value should include costs associated with any necessary demolition and clearance of debris, along with rebuilding the main structure and any outbuildings.
It is your responsibility to ensure that your property is adequately insured up to its full rebuild value. This is best established through hiring a chartered surveyor, but there are also some useful online calculators that can be used for free guidance such as the Association of British Insurers.
Landlord insurance has strict stipulations around complying with UK legislation as a Landlord, such as the Housing Act and Fire Safety Order. Click here for a list of reponsibilities and information regarding UK legislation.