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In recent years the let property market has grown considerably in the UK with many people buying property to let to relatives or on a commercial basis. The Let Property Policy is a solution to the need for buildings and/or contents insurance for landlords combining competitive premiums with quality insurance cover.
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The policy is suitable for people who own individual properties or for those with a portfolio of let properties. The insurance cover provides the valuable benefit of loss of rent cover in the event of a claim following an insured peril and property owner's liability of £2M is automatically included.
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Available online |
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Available by phone |
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Individual Property Policies |
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Multiple-Property Policies |
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Properties up to £500,000 |
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Properties Up to £1.5 Million |
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All tenant types |
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All tenant types |
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Non-standard Construction |
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Non-standard construction |
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The Let Property Policy can provide cover, excluding the standard £100* excess for damage caused by: |
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Fire, Lightning, Explosion, Earthquake |
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Escape of water from tanks or pipes |
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Theft or attempted theft |
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Violent disorder or persons of malicious intent |
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Aircraft |
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Escape of Oil |
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Storm Tempest or Flood |
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Impact by vehicles |
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Riot, civil commotion or labour disturbance |
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Increased metered water charges resulting from
escape of water due to an insured peril
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Subsidence (excluding the first £1000 of each claim) |
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The Let Property Policy also includes the following extensions: |
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Property Owners Liability (£2M limit of indemnity) |
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Accidental damage to underground service supply pipes and cables, fixed
glass and double glazing, solar panels, sanitary fixtures and ceramic hobs
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Loss of rent should the property become uninhabitable following
damage caused by an insured peril
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Landlords Legal Protection Cover Option |
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Provides 24-hour legal helpline and cover against criminal prosecution under
fire, electrical and furniture safety regulations (available as a separate policy)
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The property policy is arranged by Towergate Underwriting Let Property with insurance cover provided by A consortium of specialist insurers; Royal & Sun Alliance Insurance plc (Lead Insurer), Allianz Insurance plc and Groupama Insurance Company Limited.. A consortium of specialist insurers; Royal & Sun Alliance Insurance plc (Lead Insurer), Allianz Insurance plc and Groupama Insurance Company Limited. is a member of the Association of British Insurers (ABI) and the Financial Ombudsman Service (FOS). Your Policy therefore has the backing of a wide range of professionals and also ensures the peace of mind provided by all relevant consumer protection legislation.
The legal expenses cover is arranged by Towergate Underwriting Let Property with insurance cover provided by DAS Legal Expenses Insurance Company Limited.
Towergate Underwriting Let Property offer only one policy for each type of property insurance sold.
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