Landlord Insurance for the accidental
and professional landlord. It provides both buildings insurance and
landlord contents insurance of residential property in the UK. Also included is loss of
rent cover, property owner's liability. Landlord insurance is available
for Assured Short term tenancy agreements, DSS referrals, asylum
seekers, students and HMOs at a competitive premium. Generous discounts
for landlords requiring multiple property insurance, increasing the excess, or
with a no claims bonus.
Quickquote for landlord insurance
Only sums insured required. Landlords
can obtain insurance quotes without entering any personal information.
Full Quote for landlord insurance
landlords wanting confirmation of the premium for insurance. Enter
details to receive statement of facts and then decide to buy online -
or call us to discuss insurance requirements or answer any queries.
B Portwood & Co Ltd are travel insurance brokers. we
have available several options for customers wanting
travel insurance. We can quote for virtually any age
(over 65s a speciality) wanting to travel virtually
anywhere (great rates for the USA) for virtually any
period (up to a year, or 18 months in many cases).
- First of all, we recommend
you call us on 01207 509446. Although many travel
insurance premiums are cheap, the cover varies
considerably and you may need advice to ensure your
needs are met e.g. winter sports, hazardous
activities or cover for existing medical conditions.
- Our own
travel insurance quotation system gives
illustrative quotes on many of the travel insurance
policies we offer and how to obtain medical
screening - but the list is not exhaustive as some
policies require us to log onto our supplier's
websites. One more reason to call us.
- We used to offer a travel
insurance scheme called Redwood.
Due to an inability to secure competitive rates at
renewal of the scheme, this is now unavailable.
- For customers wanting to
buy travel insurance online without advice, we
have linked up with
JustTravelCover, a company that offers a wide
range of schemes and full medical screening. We have
always found their service excellent and they have a
great understanding of the needs of the traveller
Key features of our
residential landlord insurance
Up to £1,000,000
buildings insurance available online. Quotes for higher buildings
insurance available on request. Minimum 6-month rental agreements between
landlord and tenant/ organisation responsible for
One rate for buildings
insurance anywhere outside the London Area. Major cities such as
Birmingham, Manchester, Leeds, Liverpool, Newcastle are lowest rated
for landlord buildings insurance.
Landlord insurance in London is slightly more expensive - but still
insurance is available for all tenant types.
Quotes are available for
landlords insurance to cover Students.
Quotes are available for
landlords insurance to cover Asylum Seekers
provided the agreement is with G4S or Local
Quotes are available for
landlords insurance to cover DSS
Insurance is available
for landlords of holiday homes.
(Whether the holiday home is for own use or is let out, insurance is
(Landlords renting to
people on low income e.g.
unemployed, retired where the agreement is between the landlord and
tenant are rated at standard rates - the same as those where the tenant
pays the full rental direct to the landlord, commonly called 'professional lets')
The excess on the policy is very
A standard excess of £75,00
for most claims, £150.00 for escape of water and
£1,000 for subsidence.
Save Money by increasing the
excess (or to compare our landlord insurance
with other quotes). NB the excess replaces the
standard £75.00 excess, not added to it.
£100.00 - Save 5%
£150.00 - Save 10%
£250.00 - save 20%
(Escape of water excess is increased to
£500.00 - save 25%
(Escape of water excess is increased to
£1000.00 - save 30%
(Escape of water excess is increased to
£50.00 - costs 5% more
(Other excesses remain the same.)
(Unless insuring portfolios
or properties with a very high rebuilding cost,
we do not recommend a high excess with your
landlord insurance. Most premiums for standard
risks are less than £125.00, so increasing the
excess beyond £250.00 saves little.
In addition to landlord
insurance for buildings and contents the following covers are
Available to other Intermediaries
scheme is available should other intermediaries (sub-broking) or
letting/ estate agents (IAR status) request.
Information about our landlord insurance scheme. : For
Brokers Broker Login
Commercial Landlords Insurance
for up to £3,000,000 buildings sum insured for most type
of commercial property let out e.g. shops and offices,
single and multi-tenure risks, unoccupied commercial
property, holiday homes, hotels and guest houses. Land
owners and resident associations liability must be
referred. Quotes can include accidental damage,
subsidence, (terrorism on request). All quotes must be
referred for confirmation of premiums at the moment.
Enter sums insured and
type of property for immediate quotes. No
personal details needed.
Landlords Insurance for
Special rates for landlords
insurance is available for the professional landlord owning multiple
properties on a property portfolio. With a generous discount of up to
20% on standard rates and reduced fees, the premiums are extremely
competitive. However we also go the extra mile to make life easier for
landlords. All tenancies - standard, DSS lets, asylum seekers, students, HMOs, can be insured.
We will accept new
properties, even those unoccupied or being renovated onto the policy.
We only need 3
properties to be covered on this portfolio insurance.
As we quote for all
types of tenants, there is no need to have several landlord insurance
Quotes are available
online (as is the ability to purchase the insurance) - however we will,
of course discuss your needs if you call us.
Quickquote for multiple property
insurance for landlords
minimal amount of information is needed from the landlord. No need to
spend time entering full details of each property to obtain the
multiple property insurance quote.
Full quote and buy landlord insurance
Obtain a statement of fact. Either buy
the insurance online or contact us and we will discuss your
requirements. Portfolios have a default discount of 19% and lower policy fees.
All properties must be covered on the same basis
i.e. excess and if AD is needed.
Landlord Insurance for
Own a property of
non-standard construction? Has had previous subsidence? Is in an area
that may be subject to flooding? As well as our own scheme, which will
consider each case on its own merit if details are referred to us, we
have access to other specialist insurers who can cater for non-standard
risks. Please call us with full information including that pertinent to
the reason why such a risk is not standard.
Bought a property to 'do up'
and then let out? Moving home? Owner died or gone into a nursing home? Our
unoccupied property insurance is available for all types
property. We cover property that needs renovating, even structural
renovations. There are two levels of cover: -
Full - basically the
same as a normal landlord insurance policy. To qualify for this level
of landlord insurance the property must have 5-lever door locks and
window locks, be inspected weekly (and a record kept) and the central
heating system either drained or kept on constantly at 15C. Not
available for property being structurally renovated.
Limited - generally
excludes wet perils. Cover is still much wider than FLEA (that many
policies are restricted).
When a tenant moves in -
just call us. We will transfer the policy over from being on an
unoccupied basis to a normal buy to let policy. There will be no need
to cancel the policy and it is extremely likely there will be a return
(The policy is available for
unoccupied property that is NOT going to be let out - if sold we can
cancel the policy, if you move in then we can convert it to a home
insurance policy at competitive premiums)
Quickquote for unoccupied property Insurance
To find out if our
insurance is competitively priced. No personal
Quote and buy unoccupied property insurance
this to obtain a written quote and statement of facts. The insurance policy does not have to be purchased once the quote is
obtained. Any queries please call us and we'll sort out your needs for
A landlord insurance
To check whether our
landlord insurance was competitive we made a landlord insurance
comparison on several other landlord insurance providers. The
landlord insurance comparison confirmed landlords can save money with
our product. Not only that our excesses (when compared to other
landlord insurers) are usually much lower - and our product is backed
by an ethical landlord insurance provider. Here are the results of our
comparison, with examples of insurance for DSS referrals, asylum seekers, HMOs when appropriate.
Full results of the
landlord insurance comparison are available : -
(results of our landlord
insurance comparison were correct at the time, however rates fluctuate
and we cannot guarantee that they remain correct.)
Home Insurance - from £110.00
We also offer, in addition
to landlords insurance, a home insurance policy. A special home
insurance scheme is available through our scheme provider offering
combined buildings and contents insurance from £109.50 - to cover
£50,000 contents and up to £500,000 buildings as standard. Other
policies are available for home owners needing cover over and beyond
these standard amounts.
customers wanting insurance with no adverse features - maximum one
claim up to £5,000 in
last 3 years - immediate cover available.).
Sum Insured Rated
(Non standard property, high sums insured etc. As Insurance
Brokers we'll view suitable risks sympathetically. )
Home Emergency Cover for landlords
available for landlords or owner occupiers, full policy
wording available, to cover, amongst other eventualities,
failure of boilers up to 15 years old. The premium is £69.00 for single
buy to let property policies or £54.75 per qualifying property for
portfolios/ owner occupied houses. A Guide to the cover
is available here.
Home Emergency Cover for Owner/
Occupiers or tenants
Insurance (not landlord) Policies
taken out with cover commencing on or after 1st
April 2016 will incorporate FREE HOME
EMERGENCY COVER incorporating:-
Failure of Boiler/ Central
Heating System (up to 15 years old and 60Kw
Escape of water
Breakdown of sole toilet
Removal of wasps nests
Failure of Mains Services
Failure of underground services
for which you are responsible
Damage to roof.
Includes up to £250.00 for
emergency overnight accomodation
Policy limits : £500 (inc VAT)
per claim, £1,500 per year. Terms and conditions
Important Note that could affect landlord insurance policies
Landlord insurance providers are already adding this into
their policy terms and conditions.
October 2015when the premises are occupied under a tenancy or a licence
a carbon monoxide alarm must be provided by the landlord in any room in
premises which is used wholly or partly as living accommodation which
contains a solid fuel burning combustion appliance. This applies to any
kind of wood burning stove or an open coal fire. It will also extend to
equipment such as a solid fuel Aga in the kitchen. This is already a
requirement with new installations of solid fuel burning combustion
appliances as under Building Regulations there is a requirement to
install a carbon monoxide alarm. This is now extended to any existing
appliances already in place before Building Regulations imposed this
requirement or where building regulations are not observed.
Similarly the landlord must place a smoke detector on every
landlord is specifically required to carry out a check to ensure that
smoke alarms or carbon monoxide alarms installed to comply with the
Regulations are in proper working order on the day a tenancy begins
where it is a new tenancy. A new tenancy is a tenancy granted on or
after 1st October 2015.
properties are exempt:
- A tenancy under which the occupier
shares any accommodation with the landlord or a member of the
landlord's family. There must be a sharing of an amenity which includes
a toilet, personal washing facilities, a kitchen or a living room but
excludes any reference to storage or access.
- A tenancy which is a long lease or
which grants a right of occupation of the premises, i.e. for more than
- Student halls of residence.
- Care homes
- Accommodation relating to health
Landlords Insurance premium tax increase
chancellor has amended tax treatment of buy to let property owners.
This should not affect landlord insurance in any way other than the
in IPT to10% in October. Additional premiums will incur tax at the
higher rate, return premiums for policies effective before October
2016 will be subject to the lower rate of tax. The level of IPT will increase to
12% in June 2017 - the same rules will apply.
insurance brokers we also have access to landlords insurance through
for landlords is available through other providers if needed .
Covered under landlord insurance
that we only provide landlord insurance for properties situated in the
UK, London, and Northern Ireland. However the owner needing to
cover the property may be resident anywhere in the world. (Landlord insurance in London offers
great value. A house
with a rebuilding cost of £500,000 in London area, could still be
insured for less than £400.00 )
new website about
landlord insurance and how
to contact us
is now available. We welcome calls during office hours and will
respond to any contact requests outside those hours as soon as
possible. Other products are
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