FAQs

  • Common Insurance Questions from Landlords
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Some new landlords are unaware that most standard house insurance excludes cover whilst a property is being rented. It is therefore essential that a landlord has in place specialist landlord insurance, which is specifically designed for this purpose.

Landlord insurance will not only protect your capital investment but also includes liability cover. If your tenants were to hurt themselves within the property due to your unknowing negligence, they could make a claim against you for damages. Landlord liability can cover the award for damages plus legal costs which otherwise would not be covered under standard home insurance.

We understand that not all properties are built the same, which is why we also offer landlord insurance for properties of non-standard construction, as well as standard construction. So if your building is timber framed or even listed – non-standard construction quotes are available – just click4quote.com or call 03450 89 90 91!

The excess is the amount you are liable to contribute towards each and every claim per section of your landlord insurance. If your excess were £100, you would pay the first £100 of any claim no matter what value the claim. For example, if your claim settlement was £200, the insurer would pay you £100 as you are liable for the first £100. The excess can vary depending on your circumstances. Buildings and contents excesses are usually £100 per section, with the subsidence excess usually £1,000.

Often you have the option to increase your excess for a discount on the premium.

If your property is awaiting tenants and you have no signed agreement we can initially cover your property with unoccupied buildings insurance and then seamlessly switch to cover your tenants when you have let the house. Call us for more details.

Click4quote.com is happy to offer contents only insurance cover.

Your quote is valid for 30 days.

You can get a valid quote up to 30 days in advance but you may enter your details at anytime to get an idea our prices. You can buy your policy with a start date up to 30 days in advance so you do not need to wait until your existing policy has ended before switching to click4quote.com.

We make no additional charge for you to pay by debit card. For credit cards is a 3% handling fee, however you can pay by BACS without charge!.

We do offer a monthly installment plan paid via Direct Debit subject to your individual quote. There is a small deposit paid up front with the remaining sum collected over 9 equal installments.

The payment plan is a credit facilty to pay insurance premium provided by Close Premium Finance.

Landlord Insurance
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The small print

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