Award-winning landlord insurance
Partnering with Uinsure means we can offer their award-winning landlord insurance to those with buy to let properties. With a 5-star rating from Defaqto, their landlord insurance features a buildings cover limit of £600,000, £15,000 contents cover and £2,000,000 landlord’s legal liability provided as standard.
Whilst their standard policy includes a wide range of comprehensive benefits, listed below, cover can be extended further with optional extras including Landlord Legal Protection and Rent Guarantee Cover, and Let Home Emergency Cover. Full details of cover, exclusions and restrictions can be found in Uinsure’s Policy Wording (PDF).
| As Standard | |
|---|---|
| Cover available in Limited Company name | ✓ |
| New for old replacement of items | ✓ |
| No cancellation or adjustment fees | ✓ |
| All repairs guaranteed for 12 months | ✓ |
| Only pay for the cover that you want | ✓ |
| Buildings Cover | |
|---|---|
| Loss or damage to your building from specific events, e.g. fire, theft, storm, flood, subsidence, escape of water, etc. | £600,000 (or sum insured if it’s a flat) |
| Accidental breakage of fixed glass in doors, windows and greenhouses, sanitary fixtures and fittings and solar panels | ✓ |
| Accidental damage to your buildings e.g. putting your foot through a ceiling | Optional |
| Malicious damage cover | Optional |
| Theft from tenant | Optional |
| Liability as the owner of your let property | £2million |
| Cost of alternative accommodation should your home become uninhabitable | 20% of Building Sum insured |
| Costs of sourcing and making good a leak in your property (Trace & Access cover) | £5,000 |
| Contents Cover | |
|---|---|
| Loss or damage to your building from specific events, e.g. fire, theft, storm, flood, subsidence, escape of water, etc. | £15,000 |
| Accidental damage to your contents, e.g. spilling wine on a carpet | Optional |
| Malicious damage cover | Optional |
| Theft from tenant | Optional |
What is not insured?
| Any loss or damage caused by anything that happens gradually including wear and tear. |
| Loss or damage under a number of sections of your policy if your let property is left unoccupied for more than 30 days. |
| Loss or damage to gates and fences during a storm. |
| Loss or damage caused by a weather event that does not meet the definition of storm in the policy wording. |
| Loss or damage caused by chewing, scratching, tearing or fouling by domestic pets. |
| Uinsure will not pay for the cost of replacing other matching items in a pair or set if they are not lost or damaged. |
Optional extras
Uinsure can also provide up to £1,000 cover for each Let Home Emergency. Cover includes:
- Boiler and Primary heating system breakdown (they will also contribute £500 towards a new boiler if it cannot be repaired)
- Plumbing emergencies such as burst water or a blocked toilet
- Failure of electrical power, or water supply, and gas leaks
- Failure or damage of any external lock, door or window
- Lost or stolen house keys
- Pest infestation
in partnership with
Marsden Building Society acts as an introducer to Uinsure. Uinsure Limited is authorised and regulated by the Financial Conduct Authority (No 463689). Registered address: Uinsure Limited, Po Box 5524, Manchester M61 0QR.