Whether it is your own home, a property you rent out or a holiday or second home, when it comes to the insurance we are confident we have a policy to suit your needs and budget. We deal with all the leading UK insurers and are able to issue many policies at the point of sale which means you will be able to take your new policy documentation home with you the same day. Household Insurance:
Your home may be the biggest single investment you will ever make, so making sure it is adequately covered will be of great importance.
Our home insurance policies can be tailored to suit your own individual needs, whether you need buildings only insurance, contents only or a combined policy.
We offer all types of policy including bedroom rated contracts, which give you fixed sums insured or policies designed around the sums insured you set to suit your own personal needs, whatever size of home you have.
Cover can also be extended to include Family Legal Expenses, Home Emergency Cover and KeyCare. If you are looking to move from your current home and buy a new one we can also offer you Home Buyers Protection. Holiday/ Second Home Insurance: Should you own a second home, either for holidays or as a weekend home, you will want an insurance policy that provides you the right cover at a competitive rate.
We are able to offer you this.
Our Holiday/Second home insurance policy can be tailored to your needs and can provide cover for buildings, contents, home emergency and family legal protection.
If you also rent the property to guests (not family) the policy can be extended to cover this provided the appropriate additional premium is paid. Unoccupied Property Insurance:
If you own a property that is currently unoccupied and likely to stay that way for more than 90 consecutive days, you may find it difficult to obtain adequate insurance cover that meets your requirements.
We are able to offer policies for long term unoccupied properties with a choice of three levels of cover. The policies will offer Buildings cover and Property Owners Liability as standard with Contents cover as an optional extra.
Significant Features of cover provided:
Level 1 - Fire, Lightning, Earthquake, Explosion, Aircraft Damage, Subsidence
Level 2 - Full standard cover but will restrict claims for Escape of Water/Oil, Malicious Damage or Theft to £2,500 maximum loss.
Level 3 - Full standard cover with no restrictions except Escape of Water/Oil for the initial 30 days of cover is limited to £2,500 maximum loss.
Residential Property Owners Insurance:
We are able to offer you property owners insurance to cover all types of let property, whether the property is let to Professionals, Students or DSS tenants.
Policies are available on an individual basis or as a portfolio should you have more than one property. Cover will include loss of rent following a claim which renders the building uninhabitable and Property Owners Liability automatically. Cover can also be extended to include Accidental Damage, Landlords Contents, Landlords Home Emergency, Legal Expenses and Rent Guarantee Cover. Commercial Property Owners Insurance: We are able to offer you property owners insurance to cover all types of Commercial and Industrial Let Property. Policies are available on an individual basis or as a portfolio should you have more than one property. Cover will include loss of rent following a claim which renders the building uninhabitable and Property Owners Liability automatically.
Cover can also be extended to include Accidental Damage, Landlords Contents and Commercial Legal Expenses.