Landlords Insurance - Eligibility

Eligibility

Our Landlords Insurance can cover properties for private individuals and also if you are looking to insure a property through your business. To be eligible to take out our Landlord's Insurance policy we ask that the property to be insured:

  • Is a residential property in the UK (excluding the Isle of Man and Channel Islands)
  • Is let under a tenancy agreement directly between yourself and the tenants, or the letting agent and the tenants
  • Is occupied by no more than 6 individual tenants
  • Isn’t a bed-sit or divided into individual self-contained units each with their own cooking facilities
  • Isn’t showing signs of, or has ever had any damage caused to it by landslip, subsidence or heave
  • Hasn’t been flooded in the last 10 years

For individuals, we also require that you or any member of your family living with you:

  • Are at least 18 years old, and the property is occupied solely for residential purposes
  • Have not had insurance cancelled, declined or declared void
  • Declare any previous insurance claims from the last 5 years
  • Have not been convicted of any criminal offence other than motoring convictions or any offences which are spent under the Rehabilitation of Offenders Act 1974.

If you are looking to insure the property through your business, we ask that any principal, director or partner of the business, or any of their family living with you/them:

  • Have not had insurance cancelled, declined or declared void
  • Have not been convicted of any criminal offence other than motoring convictions or any offences which are spent under the Rehabilitation of Offenders Act 1974.

We want to let you know...

As with all landlord's insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any loss or damage caused by storm or flood to fences, hedges and damage caused by normal shrinkage or settlement.

These are only examples. For full details of what's covered and what's not covered please read our Landlord's Insurance policy document. Alternatively you can find further information in our Landlord's Insurance policy summary.

Need Help?

  • Call our customer services team on 0345 601 1050
  • Monday - Friday
    8am - 7pm
    Saturday
    8am - 1pm

What our customers say

"Very helpful, very approachable and friendly staff, and we've been perfectly happy with the cover that we've had over the years."

Julie, Eastry

"One of the best Company's I have dealt with."

Stephen, Leeds

"I think you're an outstanding insurance company, and you help me with everything that I've wanted"

Ryan, Norwich

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