Unemployment, Accident & Sickness Insurance - British Insurance

Landlord Insurance

Customer reviews

We are pleased to offer specialist home insurance for properties that can be difficult to insure.

British Insurance

Flexible cover for landlords:
  • New reduced rates! 
  • Option to add accidental damage cover caused by tenants
  • Cover for periods of vacancy
  • Up to 20% no claims discount
  • Optional legal expenses cover
0844 346 0431

We don't charge you extra for arranging your policy on the phone

Get a quote
Reduced premiums available now for buildings cover!
Professional let premiums are 20% less

Student let premiums are 33% less

Reduced premiums available now for contents cover!
All premiums are reduced by 26%
Insurance cover for landlords
We are pleased to offer landlord insurance (also known as buy to let and let property insurance) with Towergate Connect who are committed to offering a great service and generous cover to individuals renting out their property or properties either personally or via a letting agency.
Optional Rent Protection
They provide cover for accidental damage caused by tenants and give you the option to buy rent protection. In the event that your tenants breach the tenancy agreement and refuse to vacate your property, you'll find rent protection indispensable. It would pay the rent until you take back possession of your property, meaning you wouldn't be out of pocket.
Optional Legal expenses insurance
Towergate Connect also give you the option to buy legal expenses insurance, to help recover legal costs in situations where you need representation.
Cover is flexible and can insure:
Buildings

Contents

Buildings and Contents

Key features of this landlord insurance
Cover for properties let to professionals, students and DSS

Cover for loss of rent due to an insured risk

Cover for alternative accommodation if the property becomes uninhabitable due to an insured peril

Cover for periods of unoccupancy e.g. between tenancy agreements

Option to insure against accidental damage caused by tenants

Up to 20% no claims discount

Claims and loss adjusting service available 24/7

Cover if let out privately or through a letting agent

Accidental damage to fixed glass, sanitary fixtures and underground services

Damage caused by emergency access

Costs of tracing and accessing leaks (up to £1,000)

Your legal liability as owner of your property

Exclusions
If your property is not professionally managed then theft will be excluded unless the loss or damage involves forcible entry to or exit from the property

Malicious damage caused by your tenants may be excluded from your policy

After 30 days of unoccupancy, your cover may be restricted (however, cover will still be in place)

Storm damage to fences, gates or hedges

Loss or damage caused by wear and tear

The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £100 for all other claims

Exclusions on buildings insurance cover
Damage by wet or dry rot

Certain losses or damage when your home is unoccupied for more than 30 days in a row

Certain loss or damage caused by you, paying guests or tenants (if property not professionally managed)

Damage due to a fault or limit of design, manufacture or installation. In particular there is no cover for damage to underground services that do not work because they are worn out

The cost of replacing any undamaged items, which form part of a set, suite or item of a uniform nature

Loss or damage to your buildings from any cause not listed in the policy booklet - but wider cover is available with the accidental damage option

Key features of contents insurance cover
Accidental damage to audio, video and computer equipment

Contents in outbuildings (limited to £2,500 for theft) and in the open (up to £250)

Replacement locks if keys are lost or stolen (up to £500)

Loss of domestic fuel and metered water (up to £1,000)

Loss of rent and alternative accommodation following an insured loss

Damage caused by emergency access

Exclusions on contents insurance cover
No cover is provided for items used for business or professional purposes

Certain losses or damage when your home is unoccupied for more than 30 days in a row

Theft or malicious damage caused by you, members of your household, paying guests or tenants (if property not professionally managed)

Single properties and portfolios
Whether you have just one house to let or several, Towergate Connect can help. They provide extensive building and contents cover for single properties and portfolios.
Renting out your property via a letting agency
Even if your property is managed by a letting agency, Towergate Connect understand you'll want the comfort of knowing your property and its contents are covered.
Renting out your property personally
As a residential landlord you face unique risks. In addition to insuring your property and its contents, you'll need to protect yourself against legal action arising from an accident or injury on your property. With their property owners liability insurance, you can be confident that you're covered.
About the policy
This policy is underwritten by a consortium of insurers led by Royal and Sun Alliance. All insurers have signed up to the Financial Services Compensation Scheme (FSCS) and Financial Ombudsman Scheme (FOS).

Copies of the policy document can be downloaded and printed off, to read at your leisure. If having gone through them, you have any queries, please get in touch.

The policy summary
The policy summary, also known as Key Facts, contains the main policy information. It explains how it works, covers off eligibility issues, highlights the features and benefits and outlines the exclusions and claims protocol.
The policy wording
The policy wording, also known as the certificate of insurance, is more detailed. It contains your policy terms & conditions and explains definitions, the insurance contract, exclusions and support services. It also advises how to make changes or cancel your policy, plus explains how to make a claim.
Landlord initial disclosure document
The Landlord initial disclosure document contains important information Towergate Connect must disclose to you.
Terms of business
The terms of business constitute the standard client agreement upon which Towergate Connect intend to rely and will apply to their appointment by you and the services that they will provide.
Policy documents
Amending your policy
You will be able to amend, change or transfer your policy cover by phoning the Customer Services team on 0844 736 0088. Please note that the eligibility criteria are also applicable to amendments to your policy. An amendment fee of at least £28.00 (which is subject to local taxes) may be charged, except if you are also renewing your policy at the same time.
Cancelling your policy
You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made). If you need to cancel cover after that time, cancellation charges will apply. Please call Towergate Connect or notify them in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries please don't hesitate to contact the customer services team on 0844 736 0088.
How to make a claim on your Landlord Insurance
Towergate Connect has a dedicated claims team that will give you the support you need until your claim is resolved. When necessary their specialist loss adjusters will be available to help you.
The claims process
Call the dedicated claims team on 01206 773540 for immediate advice or email them at letpropertyclaims@towergate.co.uk

Download and complete the claim form

Obtain estimates for repair and/or replacement where possible

If necessary, Towergate Connect can send someone to inspect the damage

They will authorise repairs or pay you the value of your claim

Need to make a claim?
Once the claim form is completed please post it to:
Towergate Connect
Claims Department
The Octagon
Middleborough
Colchester
Essex
CO1 1TG
In safe hands
Towergate Connect aim to deal with all claims on the day they receive them and will acknowledge safe receipt within five working days.

Contact Us

0844 346 0431

Monday - Friday
9am - 6pm

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Insurance guide

FAQs

Q: What cover do I need to arrange on behalf of my tenants?
Q: Can Towergate Connect arrange immediate cover?
Q: What happens to my tenants if my property becomes uninhabitable?
Q: How do I pay my premium?

View all FAQs

What do we offer?

Landlord Insurance

Providing insurance for individuals letting out their property or properties either personally or via a letting agency. We offer good value, flexible insurance which covers properties let to professionals, students and DSS and up to 20% no claims discount.