Endsleigh Insurance - in partnership with Letting-in-Scotland

Landlord insurance, tenants insurance & home insurance offered by Endsleigh -

Landlords Insurance from Endsleigh
Endsleigh offer specialist policies for all situations, whether you are living in rented/shared accommodation, buying your first home or just looking for the most competitive price, Endsleigh will find the best policy from their panel of leading insurers After consultations with Landlords who primarily deal with young professionals and student tenants, Endsleigh has drawn together their established expertise alongside the needs of landlords to create an exclusive insurance policy. Endsleigh offers specialist policies for all situations, whether you are living alone, with a partner or sharing with friends in rented accommodation - we will help you to find more comprehensive contents policy at a very competitive price.
Currently Landlords Insurance from Endsleigh seems to be Best Value compared to other insurers, starting at 1.60 per 1000 property rebuild value insured. Endsleigh has a lengthy experience of the student market, having originated in associations with NUS  -  hence their Tenants' Contents Insurance.

Property Insurance - why you need it 

To apply for Landlords insurance you must be able to agree with all of the following statements. You can only purchase insurance for one property per quotation. If you would like to insure multiple properties, please repeat the quote process as many times as you need.

Tenants and use of property:-
A minimum of 6 months lease or rental agreement, applies to each individual tenant.
The insured property will not be used for holiday letting purposes.
The insured property is not used in any part for any trade or business other than that which specifically relates to the letting of the buildings for normal domestic purposes.
Condition and location of property:-
The insured property is in a good state of repair and will be maintained as such.
Lofts of the building and all water tanks and pipes fully and adequately lagged.
The insured property is built of brick, stone or concrete and roofed with slates, tiles, concrete, asbestos, asphalt or metal.
If the insured property is a flat, it is not above any commercial premises used for the cooking trade (e.g. fish and chip shop; takeaway; restaurant) nor is it above any unoccupied commercial premises.
Utilities:-
All connected gas appliances in the insured property must be checked annually by British Gas or a registered CORGI installer or if the insured property is newly purchased they must be checked within one month of the completion date.
If the insured property was built before 1970, the electrical wiring in the insured property must have either been tested by your local electricity board or an NICEIC (or SELECT if you live in Scotland) registered electrician, during the last 5 years and all defects identified in the test have been remedied and an IEE certificate issued, confirming that all electrical wiring is entirely safe or if the insured property is newly purchased and built before 1970, then this will be carried out within one month of completion date.
For contents cover:-
(i) You have not experienced any theft within the last 12 months and no more than 1 incident of theft, within the last 3 years in respect of contents, household goods or personal effects at the address of the insured property.
(ii) You have not experienced more than 2 losses of any type within the last 3 years at the insured property address.
(iii) You have not experienced more than 1 incident of fire or escape of water within the last 2 years in respect of contents, household goods or personal effects from any address.
(iv) You have not incurred any liability for contents in respect of any address within the last 5 years.
For buildings cover:-
(i) The insured property address has never been affected by subsidence, heave, landslip or flood nor is it in a neighbourhood with a history of subsidence, heave, landslip or flood.
(ii) You have not experienced more than 2 incidents of loss or damage at the insured property address in the last 3 years.
(iii) You have not experienced any loss or damage in respect of buildings at the insured property address of over 1000 in the last 3 years.
(iv) You have not incurred any liability for buildings in respect of any address within the last 5 years.
Maintenance and repairs:-
All necessary internal and external repairs required to the property have been carried out and the property is not due to undergo alteration, repair or renovation in the next 12 months.
Occupancy:-
The insured property has not been left unoccupied for more than 120 days nor will it be left unoccupied for more than 120 days.

 

 

Property Insurance - why you need it

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