Property Insurance

Property insurance is one of our core products, providing cover for repairing or rebuilding your property if damaged or destroyed.

We have access to an extensive range of property owners insurance products, underwritten by the main Composite Insurers, Managing General Agents and Lloyds of London. Our role is to match you with the most appropriate insurance provider. Our key property owners insurance products are noted below. However, we offer many other policies so please do not hesitate to contact us to discuss your requirements.

The scope of cover provided under property insurance policies can vary significantly, insurer to insurer. When undertaking a comparison of policies, it is important to ascertain whether, in addition to standard covers, quotes include:

Subsidence
Accidental damage
Terrorism cover
and, in respect of let properties, whether malicious damage by tenants cover is afforded and, where cover is included, any inner limits that may apply

Furthermore, it is important to advise insurers of any period for which a property may be unoccupied, pending letting or between lettings. Where works are being undertaken on a property, either basic decoration or structural works, insurers need to be advised and kept updated.

Please contact us on 01384 442 165 to discuss your requirements, or complete our Property Insurance Quote Request form below.

Please complete your details below for a Property Insurance quotation

Name of Property Owner

Contact Name

Contact Number

Email Address

Property Address including Postcode

How many years have you owned the property?

Current Policy Renewal Date

Type of Property

Details of Occupancy

Construction of Walls

Construction of Roof

Number of Concrete Floors

Number of Wooden Floors

Methods of Heating (please include all types that may be used)

Buildings Reinstatement Value

Buildings Noted Interest (if any)

Landlords Contents Value

Annual Rent

Loss of Rent Indemnity Period

Property Owners Liability

Employers Liability

Details of Employees (nature of work undertaken and estimated annual payments to employees, labour only subcontractors etc)

Details of Any Other Covers

Standard Acceptance Criteria:

(a) Standard construction (walls built solely of brick, stone or concrete and roofed with slate, tile, metal or concrete)

(b) No composite panels and/or combustible linings

(d) No basements or cellars

(e) No high risk adjoining or neighbouring premises

(f) Not built before 1900

(g) Not listed

(h) Not dual tenure, multi tenure and/or sub-let

(i) Heated solely by fixed mains gas/electric heating systems

(j) No portable heaters and/or open fires, wood burners etc

(k) Separated from adjoining premises with full fire-wall separation

(l) Maintained in a good state of repair

(m) Not in an area with a known history of subsidence; where there have been previous issues with subsidence, heave or landslip; in close proximity to trees; where there are visible cracks; and/or built on made up ground

(n) Not within 250 metres of a river, canal, lake, tidal waterway, sea or other body of water

(o) Not within a floodplain or an area previously affected by flood

(p) Have a current, satisfactory Electrical Installation Condition Report (EICR)

(q) Have a current Gas Safe certificate

(r) Have not been subject to any claims/losses in the past 5 years

(s) No unattended fork lift truck charging (unless within an area at least two metres clear of any combustible materials)

(t) No unattended processes

(u) No hazardous processes, including storage of chemicals or other hazardous materials

Do you agree with all of the Standard Acceptance Criteria above?

DetaiIs of all and any elements of the Standard Acceptance Criteria you are unable to agree with:

Details of any Claims/Losses in the past 5 years (at this property or any others) or factors that may affect an insurer's willingness to offer cover

If you have any other comments, please include below:

Please contact us If there is any aspect of your insurance arrangements you would like to discuss.

Call Us on 01384 442 165
Office Hours (Monday – Friday, 9am-5pm)

We will gladly discuss and review your insurance requirements, and answer any questions you may have.