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FAQ | Home/ Bedroom Policy Key Facts (Pre July 2017)
Policy Key Facts (Post Jul 2017)
Landlords/ Portfolio/ Unoccupied Policy | Key Facts
Legal Expenses/ Rent Guarantee: Policy | Key Facts (Pre July 2017)
Legal Expenses Policy | Key Facts (Post Jul 2017)
Legal Expenses Policy | Key Facts (Post Nov 2017)

Property Insurance

Online insurance quotes for all types of residential property in the UK.

  • Landlords Insurance (buy to let insurance)

    • All types of tenants catered for:

      • Professionals (tenancy agreement with, and rent paid by tenant - the occupant need not be a professional person)

      • Subsidised (tenancy agreement with tenant, rent paid by a third party)

      • DSS (tenancy agreement with and rent paid by a third party who have control of occupant)

      • Students

      • Asylum Seekers

      • Bedsits

    • If property becomes vacant for more than 31 days e.g. between tenancies then we must be advised - property will be rated as unoccupied (see below for cover options)

  • Holiday (second) Homes

    • Own Use (or family/ friends)

    • Let out on a commercial Basis

  • Proposer Occupied  - normal house insurance for owner occupier or for tenants wanting to insure their own contents

  • Unoccupied Property Insurance

    • Any reason for unoccupancy considered

      • Property Unoccupied pending sale

      • Property Unoccupied awaiting tenants

      • Property Unoccupied whilst being refurbished

      • Property being renovated. (Including structural)

    • Full cover or LIMITED cover available (Limited cover only for property being renovated)

  • Portfolio Insurance for owners of 5 or more properties. Simple underwriting. Quotes for portfolio insurance are available here.

Key benefits

  • Accidental damage available for all classifications (other than property undergoing structural renovation)

  • Low standard Excess : (75.00). Options to increase excess to 150 or 250. (An increased excess applies for escape of water (150, rising to 250 for unoccupied property or if a 250 excess is chosen) and subsidence related claims (1,000))

  • No minimum premiums (policyholders must ensure though that they insure for the correct sums. If unsure, a guide for rebuilding costs of property is available to assure)

  • Comprehensive landlords legal expenses policy available for landlords.

  • Online submission available if 'refer' with free format to allow prospective policyholders to 'plead their case' if exceptional circumstances or if effective risk management procedures have been implemented after claims.

  • No automatic exclusion of flood or subsidence postcodes - on referral

Product Enhancement

  • On 13th February 2013 our cheap rates have got even cheaper with discounts on buildings cover of up to 35% and on contents cover up to 30%. More details are available here.

 All: Policy Wording | Policy Summary (Pre Apr 2016). Home Insurance ( Policy Wording | Key Facts Post April 2016)


Full Quote - Includes underwriting questions before premium is shown. Allows purchase online

Landlords Insurance
(Including Holiday Homes)

Unoccupied Property

House Insurance

(Sum Insured)

Landlord Portfolio Insurance Static Caravan Insurance Click for your quote for landlord insurance House Insurance

(Bedroom Rated)

    Park Home Insurance  

Saved quote / purchase saved quote

Quote Reference :
U/W use only :
e-mail address :
Action Required :

The statement of facts is the one that will be used to create the policy. If the quote is a 'refer' quote then the purchase option is not available.

Obtain a copy of policy schedule and statement of facts

Policy Number :
U/W Use Only :
Action Required :
e-mail address :

(It is not possible to renew, amend policy cover or risk details online. If this is required, please call 01388 607140 during office hours)

Renewal Processing

Policy Number :
U/W Use Only :
Action Required :
Docs go to :

(Allows renewal documents to be received and fresh quotations obtained)

Broker Use Only

About the Underwriter

The policy is underwritten by SAGIC (The Salvation Army General Insurance Corporation Ltd) which is a 'captive' insurance company of the Salvation Army since 1909. Profits earned by SAGIC are returned to the Salvation Army so you can rest assured that not only you are obtaining a great policy from an ethical insurance company, but that you are helping contribute to the welfare of the needy members of our society.

(The legal expenses section/ policy is underwritten by DAS)