BUY-TO-LET INSURANCE

Our buy-to-let insurance policy is designed for those who rent properties for residential use with a tenancy agreement of 6 months or more, and can cover single or multiple properties

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  • Landlords save an average of £230 when they switch to us*.
  • £2m property owners liability cover as standard.
  • Policies underwritten by Allianz Insurance plc, one of the UK's largest insurers.
  • Get a quote online or call now for a great deal on buy-to-let insurance.

Looking for buy-to-let insurance? You're in the right place.

Let Premierline Direct provide you with great cover, at a competitive price; buy-to-let insurance that gives you peace of mind

  • We know that being a landlord can be hard work, with a great deal to think about, especially in the current, tough market. And that applies whether you have just one investment property, or a large portfolio.  Arranging your buy-to-let insurance, while necessary, can be a chore.  So, at Premierline Direct, we make arranging your residential buy-to-let insurance quick and simple. Our aim is to let you sleep easy in the knowledge that you have the right cover for your property - or properties - at a great price.

Our buy-to-let policies are carefully tailored to meet the needs of residential property landlords.  But landlords have many different requirements, and we believe you should only pay for the cover you need

  • Our standard buy-to-let insurance covers, among other things, damage to buildings by accidents such as fire, vandalism or burst pipes and theft of contents. Cover for the costs of certain legal actions is also provided as well as £2 million of property owner's liability. But our policies also offer many insurance extras, such as:

    • Cover for loss of rent following damage to the building following an event you're insured against;
    • Accidental damage to your property by you or your tenants;
    • Theft from, and malicious damage to, your property by tenants or their visitors;
    • Loss of or damage to your contents;
    • Damage caused by subsidence, landslip and ground heave.

     

    You can even insure your property against damage caused by terrorism, subject to acceptance.  Plus, all our customers have exclusive use of our 24/7 legal helpline.

Save money on your buy-to-let insurance

  • As the first business insurance provider to deal directly with our customers, we have been able to offer our customers some fantastic savings.  In fact our customers save an average of 25% when the switch to Premierline Direct.

Our buy-to-let policies are primarily underwritten by Allianz Insurance plc, one of the UK's largest insurers

  • Over 30,000 businesses have chosen Premierline Direct for their business insurance. And the number is growing fast because we understand business insurance needs.  Our policies cover a huge variety of businesses - from sandwich bars and restaurants to commercial and residential buy-to-let landlords. However big or small your buy-to-let portfolio, Premierline Direct can help with insurance. And, remember, our policies are primarily underwritten by Allianz Insurance plc, part of the global Allianz group, so we can give you the peace of mind that comes from being insured by one of the UK's largest insurers.

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We give our customers far more than just buy-to-let insurance

Because great service counts, you'll find Premierline Direct easy to deal with whether online, over the phone or even face-to-face - whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers. That's why we asked you exactly what kind of website and what kind of service you wanted and expected from us. And we've responded with a brand new, user-friendly site offering easy navigation to information on all our products. Our highly trained team of UK-based buy-to-let insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you a residential landlord insurance quote over the phone. There are no forms to fill in, and we will get your documentation to you quickly.  If your needs are complex, we may also be able to visit your premises to talk them through with you.

And if you need to claim, we're right there for you, ready to get the rent coming in again. Fast!

  • We know how devastating a buy-to-let insurance claim can be.  So, if things go wrong and you need to claim, we make sure we act fast to get your property back up and running with minimal fuss or delay.  Our commitment is to settle claims fairly and efficiently. 

All our customers have access to an exclusive, risk-management website - giving you a whole range of tools to help manage and reduce the risks to your property portfolio - whatever its size

  • Our unique website, Risk Director, is an interactive, one-stop-shop for risk management and support, giving impartial guidance on risk assessment and training, as well as updates on the latest legislation, which may affect you.  Also available through the website are discounts from preferred suppliers and access to our free health, safety and environmental helpline.

And, Premierline Direct buy-to-let insurance customers get exclusive access to a wide range of discounts, all aimed at helping you cut costs

  • As a Premierline Direct customer you can take advantage of our Business Savings Program giving a wide range of exclusive offers from big-brand names in office supplies, business and leisure travel, IT services and many others - companies like Apple, Esso, Hewlett Packard, Viking Direct and Sharp.  Call us to find out more.

     

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Standard cover

Our Buy to Let insurance policy covers the following as standard:

Property damage - covers loss or damage caused by a number of situations including fire, lightning and explosion; storm or flood; escape of water from tanks, apparatus or pipes; impact by vehicles; theft or attempted theft following forcible and violent entry to or exit from your premises; accidental damage and subsidence. Cover includes professional fees, removal of debris costs, alternative residential accommodation where the residential areas of the building is unfit for occupation, damage to grounds resulting from damage to the buildings, falling trees, leakage of fuel.

Property Owners Liability - Provides £2m cover for sums you become legally liable to pay in respect of accidental injury to any person or accidental loss or damage to their material property happening in connection with the properties insured.

Legal Expenses - covers costs and expenses of certain legal actions that may arise plus a 24 hour legal helpline.

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Optional extras

You can also select a range of optional extras to add on to your Buy to Let insurance policy, for an additional premium:

Theft and Malicious Damage by Tenants - cover to protect your property against theft or malicious damage by your tenants or their visitors.

Accidental Damage by Tenants - cover to protect your property against accidental damage by your tenants or their visitors.

Accidental Damage by Landlords - cover to protect your property against accidental damage by you.

Loss of rent - covers loss of rental income following damage to the buildings or contents by any cause covered by the Property Damage section. Options of 12, 24, 36, 48 or 60 months indemnity period.

Employers Liability - Provides cover of £10m for sums you become legally liable to pay as damages together with your legal costs and expenses relating to an injury to an employee for which you are found to be negligent.

Subsidence - cover against damage to your premises due to subsidence, ground heave or landslip.

Terrorism - additional protection against damage to your premises from acts of terrorism (subject to acceptance).

Personal Accident - cover for principals, directors and partners aged no more than 65 years old that provides compensation arising from any accident at any time. Death or permanent total disablement £20,000 capital sum.

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Exclusions & limitations

These are some of the exclusions that apply to the policy. There are also further provisions such as those relating to under insurance as well as general conditions and exclusions. Details of these can be found in the policy document. Other additional terms & conditions may be applied in certain cases. Excesses apply to certain types of claim.

Property damage excludes:

  • Storm, theft, accidental/malicious damage, burst pipes or sprinkler leakage in an unoccupied building.
  • Theft of contents not involving forcible and violent entry to or exit from the premises, or to items in gardens or landscaped areas.
  • Storm, tempest or flood to fences, gates and property in the open.
  • Falling trees caused by lopping, pruning or felling of trees and to walls, gates, fences and posts.
  • Leakage of fuel from any fixed oil heating installation to any portion of the building which is unoccupied.

Felt Roof Condition - you must ensure that any felt roof over seven years old is inspected annually and any remedial work required completed.

Property Owners Liability excludes:

  • Asbestos - we will not be liable for legal liability in respect of injury loss or damage directly or indirectly caused by arising from in consequence of or in any way involving asbestos.

    Provided that this exclusion shall not apply to liability for injury or loss of or damage caused by any commodity article or thing containing asbestos where the presence of asbestos is not in itself a direct or indirect cause of such injury or loss or damage.

Loss of Rent excludes:

  • loss of rent due to non payment by tenants
  • any legal expenses incurred to recover unpaid rent by tenants.

Theft and Malicious Damage by Tenant(s) excludes:

  • loss or damage where a written Tenancy Agreement is not in place
  • the cost of any cleaning or re-decorating where no actual structural damage has occurred to the Premises

Accidental Damage by Tenant(s) excludes:

  • loss or damage where a written Tenancy Agreement is not in place
  • the cost of any cleaning or re-decorating where no actual structural damage has occurred to the Premises
  • damage caused by any domestic pets

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