Landlord Insurance comparison

Policy Benefit	AUL	CX Let	Ageas	IGI	Letplan	MMA	Prestige	Pardus	UGM	Usure	Vasek	Zurich
Accidental Damage	No	Optional	Optional	Optional	Optional	No	Optional	Standard		Optional	No	Optional
Property Owners Liability	£1,000,000	£1,000,000	£2,000,000	£2,000,000	£5,000,000	£2,000,000	£2,000,000	£2,000,000			£5,000,000	£2,000,000
Loss of rent	Yes	20%	20%	20%	30%		20%	20%		20%	20%	20%
Employers Liability		not covered	£10,000,000		£10,000,000	£10,000,000				No	£10,000,000	£10,000,000
Minimum Excess	£100.00	£100.00	£100.00	£100.00	NIL	£100.00	£100.00	£100.00	£125.00	£100.00	£50.00	£100.00
Full cover between tenants		30 days						31 days free then additional
Flat roof maintenance		Every 2 years						Inspected after 5 years		every 5 years
Previous Claims			2 < £1,000				2 <£1000	£50,000
Legal Expenses	Available				Available			Available
Rent Guarantee					Available			Available

These features are those that apply for professional let property. The benefits, terms and conditions vary if the property
is unoccupied or let to other forms of tenants

Other notes

• Prestige have a £2,500 arson excess

• CX Let have stringent safety requirements

• Legal Expenses cover varies considerably

• B. Portwood can arrange stand-alone legal expenses/ rent guarantee if necessary.

• We can also arrange accident/ sickness/ unemployment cover on the tenant for the benefit of the landlord

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