BlueFin Landlords Insurance

 

The Basic cover under the Value Contract

  • Fire, explosion, lightning, earthquake, riot, malicious damage, collision by vehicles, aircraft or animals, storm or flood, theft or attempted theft, subsidence, landslip or heave, water or oil leakage from any fixed appliance, tank or pipe, falling trees, breakage of glass and sanitary wear.

  • Loss of rent to 20%

  • Professional, demolition and local authority fees

  • Legal liability as owner up to 2,000,000

  • Defective premises act to 2,000,000

  • Automatic cover for an additional property to 300,000 for up to 7 days

  • Optional accidental damage cover

  • Policy now underwritten by Chaucer 

 Some policy benefits on the Premier Contract

  • 5,000 landlords business contents covered free if buildings cover taken (can be increased)

  • Includes Landlords Legal expenses as standard (Insured by Brit)

  • Optional landlords rental protection cover available

  • Includes contract works cover to 15,000 as standard

  • Public utilities and prevention of access covered as standard

  • Buyback cover after 60 days of unoccupancy available

  • Discounts for portfolios of 10 or more

Choice Premier - the extra benefits over the Value Contract

  • Loss of 3 months rent following murder, suicide or notifiable disease

  • Lock replacement following theft of keys

  • Loss of oil to 5,000

  • Loss of metered water to 1,000

  • Damage to landscape gardens by emergency services to 5,000

  • Water damage tracing costs to 10,000

  • Prevention of access resulting in loss of rent to 20% sum insured

  • Public utilities resulting in loss of rent - to 20% of sum insured

  • Contract works to 15,000

  • Re-letting costs after a claim - to 500

  • Legal expenses - property disputes, repair and renovation disputes, health and safety prosecutions, tax protection - to 50,000 per claim, 500,000 in aggregate

Standard excesses (higher may apply under some circumstances)

  • professional, working and retired - 100.00

  • Government benefits/ holiday homes/lets 250.00

  • DSS referrals - 250.00

  • Subsidence - 1,000 in total

  • Theft/ malicious damage by tenants or others lawfully on premises - 2,500.00

  • For contents some are higher:-

  • professional, working and retired : 250.00

  • DSS referrals - 500

General conditions

  • Unoccupancy conditions after 7 days unoccupancy: cover restricted to Fire, lightning, aircraft, explosion, earthquake, subsidence / heave and falling trees after 60 days. Full cover (excluding theft/ malicious damage) can be purchased for a further 90 days under the Premier policy

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