TPCM Landlords Building Insurance
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Frequently Asked Questions
Who are TPCM Insurance?
TPCM are a specialist insurance provider dedicated to providing low-cost, high quality
Landlords Buildings Insurance
. Because we only deal with this specific type of insurance we can offer very competitive premiums.
TPCM is a trading name The Property Consultants and Management Limited. The Property Consultants and Management Limited is authorised and regulated by the Financial Services Authority (number 315122).
We are based in Hove, Sussex, and provide cover for landlords throughout the UK.
What is the Buildings Sum Insured (BSI)?
When going through the process of getting a
Landlords Insurance quote
you will be asked to provide an amount for the Buildings Sum Insured (BSI). This figure is the cost for rebuilding your property if it was completely destroyed. This should not be confused with the market value of the property (which is normally much higher than your Sum Insured). It is equally important not to underestimate your Buildings Sum Insured since should it come to
making a claim
the insurers will reduce the amount that they pay you in proportion to the amount you have underestimated.
Calculating the amount of buildings cover ...
The amount of buildings cover must represent the full cost of rebuilding your let property. If you are unsure how much cover you require, please follow the link to the website of the
Association of British Insurers
.
When will I get my Insurance certificate?
Once we have all your property details we can fax your insurance certificate the same day.
I have residential and commercial properties ...
For landlords with larger property portfolios of either residential and/or commercial buildings we will be happy to discuss a further reduced rate for you, dependant on the size of your portfolio.
Will the rate vary depending on location?
A post code check will be carried out to make sure that you are free of flood and subsidence.
Why do I need specific Landlords Insurance?
A traditional home insurance policy may not pay when the property is being used to make an income (for example when you are renting your property to tenants). Equally, Landlords Insurance provides additional cover such as Landlords Liability and Loss of Rent, which are not offered through normal home insurance policies. To ensure you are fully protected, it is recommended that you purchase a
Landlord's Insurance policy
which is specifically designed for these circumstances.
I live in a flat, can I insure it with you?
Only if you own the freehold of the property.
How do I make a claim?
If you would like to make a claim you need to contact our claims company
Lucas Fettes
:
Telephone: 01243 530450
Email:
teresa.cox@lucasfettes.co.uk
or
tracy.steele@lucasfettes.co.uk
Alternatively, you can download and complete a
claims form
and send it via post or fax to:
Lucas Fettes
3 East Pallant
Chichester
PO19 1TR
Fax: [44] 01243 790966
More details can be found under the
'Make a Claim'
section of our web site.
Can you insure property if it is let to students or DSS tenants?
TPCM’s landlords building insurance policy does cover properties let to students and DSS tenants, however a short questionnaire will determine the terms and the rate.
How soon can you cover an additional property?
Immediately in most circumstances. Just call 08442 250200 and speak to one of our advisors and we can take the details of the property to give you a quote there and then for your landlords building insurance policy.
What Commercial properties do you insurance?
TPCM Insurance can cover any commercially let property however the rate and terms depend on a number of different factors including the occupancy. For a no obligation quote please call one of our advisors on 08442 250200.
Why are TPCM’s rates so competitive?
At TPCM we specialise in landlord’s buildings insurance and nothing else. We have negotiated a policy with all the cover a landlord would normally require at a fantastic rate with one of the top insurance companies in the world. Unlike other insurance companies, TPCM want to pass this saving on to their clients therefore have kept the premiums as low as possible.
Does our policy cover rent guarantee?
Our landlords building insurance policy does not include rental guarantee as this would have made the cover much more expensive and is only required by a handful of our customers.
Do we do other insurance?
TPCM only specialize in
landlords building insurance
, however if you are looking for a quote on your home, car or any other insurance we would like to recommend our partner company
Lucas Fettes and Partners
who can be contacted on 01243 530450
© 2009 TPCM Insurance | All Rights Reserved
TPCM is a trading name of The Property Consultants and Management Ltd.
The Property Consultants and Management Ltd is authorised and regulated by the Financial Services Authority and is entered on the FSA Register (
www.fsa.gov.uk/register
) under Firm Identity Number 315122.
Registered in England No 03152902. Registered office: Top Floor Office, 59 Church Rd, Hove. East Sussex, BN3 2BD