Our Landlords Cover

As specialists in landlords building insurance, TPCM have negotiated cover with one of the largest insurers in the world, providing comprehensive landlords insurance at very competitive premiums.

Don't just take our word for it - we have checked our quotes against our competitors for an equivalent policy, or less cover, and here is what we found:

Landlords Insurance Quotes are based on a property with a declared value of £100,000, no history of previous claims and occupied by professional tenants. Our landlords insurance includes accidental damage cover and £5 million property owners' liability:

Endsleigh	£574.15
Direct Line	£218.03
Simple	£238.37
TPCM	£204.75

*Quotes were obtained on 15th June 2010 and are inclusive of 5% IPT.

All the following come as standard features of our buy-to-let insurance policy and at no extra cost to landlords:

• Insurance certificates produced instantly
  TPCM are able to produce your property schedule instantly, if you are completing on a buy to let property and need the schedule for your lender or solicitor we are more than happy to email or fax it direct to them.
• Low Flat Rate throughout the UK (subject to a post code check)
  Our rate is the same across the country subject to a post code review to check the flood and subsidence history.
• Loss of Rent (up to 30% sum insured)
  "Most policies will compensate you for loss of rent following damage from an insurable peril like fire or flood damage, if the property is uninhabitable usually 20% of the sum insured but some policies are up to 30%." ARLA (Association of Residential Letting Agents)
  
  We think it is essential to protect your income, therefore we insisted our landlord cover includes up to 30% of the building sum insured for loss of rent, ensuring your bank balance stays in good shape should damage or building work make your property uninhabitable.
  
• £5 Million Property Owners Liability
  "It is very important that your policy includes Property Owners liability cover against injury or death to individuals on or adjacent to your property. Basic low cost polices may not include this cover." ARLA (Association of Residential Letting Agents)
  
  Landlords are right to be concerned about the substantial risks that can be posed by third party liabilities. In today’s litigious society, anyone operating a business, and a landlord is certainly doing that can easily find themselves involved in a lawsuit. It is more vital than ever that your insurance covers you against your legal liability for death or injury to individuals on or near your property, for example: tenants, visitors and guests, meter readers, postmen and anyone else who may access your property. Furthermore, local authorities and universities will normally specify minimum cover requirements for properties let to housing benefit tenants or students.
  
  TPCM has £5 million Property Owners Liability included in our landlords buildings insurance policy at no extra cost, while some other providers policies may only include £2 million.
• £10 Million employers liability
  Employers' Liability Insurance will meet the costs of damages and legal fees for injuries or illness sustained by employees at work through the fault of the employer, whether caused on or off site. It should be noted that this type of insurance only covers your employees. Potential claims made against you by other third parties (members of the public) can be covered by Property Owners Liability Insurance.
• Accidental damage cover
  This cover is designed to protect you against damage caused by an unintentional one-off incident and includes damage by your tenants to your buildings.
• Malicious damage cover
  This cover is designed to protect you against damage to your property by any malicious persons including your tenants.
• Dedicated claims department
  We pride ourselves on being different from the rest. From having dedicated account managers so that when you call you'll be able to speak to someone who is familiar with your properties, to being transparent with what we charge and delivering a service that is friendly and efficient.
• £5000 landlords contents cover
  It is essential that you insure the items you own such as carpets, sofas, chairs and even pictures in case they become damaged or stolen. We have included £5000 worth of landlords contents cover absolutely free in our insurance policy.
• Free amendments to your property schedule
  As part of our service we will make any amendments to your property schedule, for example changing a noted interest or the freeholder details free of charge and we guarantee to make the changes within 24 hours of notification to us. We're not a broker therefore do not charge brokerage fees and do not add an 'administration' charge for processing your paperwork.
• Alternative accommodation
  To many people the benefits of buy-to-let insurance may seem obvious. The contents insurance will cover your furniture while buildings insurance will cover any damage done to your property. But it's equally important not to overlook other areas such as alternative accommodation insurance in the event your property becomes uninhabitable. The TPCM insurance policy for landlords meets the reasonable costs of obtaining and renting alternative accommodation.

Download the full Landlords Insurance Policy Wording

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