A POLICY

THAT’S BUILT

FOR TENANTS.

Our insurance product has been
carefully created for tenants.

As well as covering your possessions we can even cover your liabilities as a tenant, so if you have any bangs or breakages, deductions from your deposit should be covered.

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Tenant Image
defaqto

Provided by Paymentshield

WE SHOP AROUND

SO YOU DON’T HAVE TO.

Rated five-stars by Defaqto, our specialist tenant’s insurance policy 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. Easy.

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.

Cover without the nasty surprises

No annual contract

No ties. Just cover when you need it.

No credit checks

Cover without credit checks.

No worries

Maximum cover, minimum hassle. From furniture and fridges to gadgets and jewellery.*
*As long as the individual item doesn’t exceed your policy cover limits.

Experienced advisors

Our UK-based call centres provide automated responses with the option to speak to customer service agents. – Via Paymentshield

No surprise fees

We won’t charge you cancellation fees or other charges if you want to end your policy. You can even take your policy with you if you move to another rented property or if you buy a new place.

Cover without compromise

Tenant's Contents

Our Tenant's Contents Insurance has been specifically designed to offer protection for those living in rented accommodation. Amongst a whole host of benefits, it offers liability insurance as standard meaning tenants are also protected in the event of any accidental damage to their landlord's property.

Contents Insurance and Tenants Liability Insurance. You also have the option to select Full Accidental Damage to Contents.

Malicious Damage

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

Accidental Damage

Accidental damage visible damage which happens suddenly and has not been caused on purpose or inevitably.

Standard accidental damage We will cover accidental damage to:

  • televisions, video and audio installations
  • computer equipment and games consoles
  • mirrors
  • glass which forms part of your contents
  • ceramic hobs in free standing cookers
  • aerials or satellite dishes within or fixed to the home (or words to that effect).

Tenant’s Liability

Our Tenant's Liability Insurance provides protection for tenant's in the event of any accidental damage to their landlord's property, for which they could be liable under the terms of their tenancy agreement.

This policy will provide cover for the repair or replacement of your landlord’s buildings, contents and gardens for which you’re legally responsible, as a result of accidental damage caused by you or your family (up to £10,000).

Alternative accommodation for tenants

Alternative accommodation and rent If the home is made uninhabitable because of damage to your contents by an insured cause, we will cover:

  • agreed accommodation expenses including storage of property until the home is restored to normal living conditions for you and any pets living with you
  • any rent you are liable to pay as stated in your tenancy agreement, until you can move back into the home The most we will pay is £10,000 and only for the period necessary to make the home habitable

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.