Tenants’ Liability Insurance – because it’s better to be safe than sorry
Insurance, when you’re a tenant, can be a bit confusing. It’s up you to cover your possessions, but it’s up to your landlord to insure his/or her property and the building. So far, that’s easy to understand.
But, if you damage – even accidentally – your landlord’s property, furniture, or fixtures and fittings, your landlord can make a claim on you for the costs to repair or replace. This could be covered by your deposit, but if your deposit isn’t enough, you could end up out of pocket.
When you move from one property to another, either another rental or a purchase, there are always lots of expenses and getting your deposit back really helps. Make sure you get yours back by taking our liability insurance.
✔ Replace the damaged landlord’s property as new.
✔ Pay for the cost of replacing the damaged item as new.
✔ Pay the cost of repairing the item.
✔ Our liability policy covers you for up to £10,000 of accidental damage claims.
Our Tenant’s Liability Insurance is designed to protect you, and your precious deposit from claims for accidental damage. A simple, inexpensive policy covers you for 12 months and allows you to relax in the place you call home.
X Damage caused by, fire or smoke, lightning, earthquake,
explosion, escape of water, storm or flood, theft, attempted
theft, falling trees/branches/satellite dishes, malicious
damage or vandalism, subsidence, heave or landslip.
X Damage to property if unoccupied for more than 30 days or
more.
X Claims arising from deliberate actions by you, or anybody
associated with you.
X Damage caused by wear & tear, settlement, shrinkage,
vermin, insects, damp, dry and wet rot, weather or
atmospheric conditions or anything that happens gradually.
This insurance is provided by Lexelle Limited which is registered in the UK and is underwritten by Novus Underwriting Limited on behalf of Collinson Insurance (a trading name of Astrenska Insurance Limited) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846. Registered in England number 01708713.
For full details see our Insurance Product Information Document (PDF) | Policy Document (PDF)
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