A POLICY THAT’S

BUILT FOR

LANDLORDS.

If you’re a landlord, regular home insurance may not provide the cover you need to protect your investment.

Our specialist landlord’s insurance product does more than protect your buildings and contents. It can protect against malicious damage, legal expenses and other unexpected costs.

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defaqto

Provided by Paymentshield

WE SHOP AROUND

SO YOU DON’T HAVE TO.

Rated five-stars by Defaqto, our landlord’s policy has been built with landlords in mind, it has been adopted by a number of leading insurers including LV and RSA.

If you visit a price comparison site for an insurance quote, the results you’ll see will be for different policies with different levels of cover and excess. But when you contact us, we’ll give you the most competitive price for the same five-star policy with the same levels of five-star cover from a panel of reputable insurers.

And when it’s time to renew, Paymentshield will make sure you’re getting the best possible price for as long as you have the policy.

Your cover. Your way.

Service policies your way

Webchat or call our UK team – Via Paymentshield

Claim your way

When settling claims, we give indivdual consideration and advise

Pay your way

Annually or monthly

Build your policy your way

Choose from a range of extras such as Legal Expenses, Rent Protection and Emergency Cover for even more peace of mind

Cover without compromise

Buildings and contents

When you take out a mortgage, your lender usually insists on buildings insurance to protect the structure of the property. But, with our product you get more than just a requirement, as we can help with things like finding alternative accommodation for your tenants if damage to your property leaves it unfit to live in.

Our Buildings and Contents Insurance protects fixtures and fittings as well as household items such as curtains, blinds, carpets and kitchen goods. Plus, we replace items on a new for old basis where they can’t be economically repaired.

Malicious Damage

Malicious damage or vandalism is damage intentionally caused by tenants to the buildings or contents in the insured property. This includes damage, such as: smashing windows, graffiti, deliberately breaking furniture, and making large holes in walls or ceilings.

Malicious damage caused by tenants is covered up to 1 million for buildings and up to content sum insured for contents.

Accidental Damage

Accidental damage visible damage which happens suddenly and has not been caused on purpose or inevitably. This includes damage to the buildings including fixtures, fittings, any part of the structure or to contents of the house.

Accidental Damage is an optional extension that can be added to the buildings section to provide cover against visible damage which happens suddenly and has not been caused on purpose or inevitably, as well as the contents section to protect from accidental damage to the insured items within the property.

Landlord’s Liability

Our legal expenses extra cover has been designed to protect landlords during legal disputes arising from renting out the property, such as property disputes, tenant eviction, and tax protection.

Landlord’s Emergency

Landlord's emergency extra covers provides a 24-hour service with access to approved tradesmen to resolve a range of emergencies. For example, it can help if the tenants found themselves completely locked out of the property, or after a complete failure of the heating or electrics in the property.

Alternative accommodation for tenants

As a part of the Landlord’s Emergency optional extra, in the event that your property becomes uninhabitable for more than 48 hours as a result of an emergency covered by this section we will pay up to £250 (including VAT) for the cost of suitable alternative accommodation for your tenants.

Trace & Access

Trace and access refers to removing and replacing any part of the buildings to find and repair the source of any water or oil escaping from tanks, pipes, equipment or fixed heating system in the buildings.

We will pay for the cost of removing and replacing any part of the buildings to find and repair the source of any water or oil escaping from tanks, pipes, equipment or fixed heating system in the buildings up to £5,000.

Damage to locks or theft of keys

We cover accidental damage to the locks of, or theft of the keys to the outside doors of, the insured property or to safes and alarms in the insured property

At our option we will pay the cost of:

  • buying new keys; or
  • changing parts of the locks; or
  • replacing the locks.
We will pay up to £1,000