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 £213 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.

To celebrate our 10th birthday we're giving away £10,000 in shopping vouchers. Simply get a buy-to-let insurance quote today for a chance to win...

As the first direct business insurance provider, Premierline Direct helped transform the way buy to let insurance was boughtPLD_col

  • By making it possible for you to buy direct, we set new standards for speed, service and value. Today we continue to pride ourselves on being a responsive, reliable team who really understands small businesses. 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. And what's more, when you get a quote from us you will be automatically entered into our £10,000 birthday giveaway, where you could win between £25 and £1,000 in shopping vouchers.

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 an on-site visit from one of our specialist business insurance consultants, whatever suits you best

  • Like all good businesses, we understand the importance of listening to our customers. Our highly trained team of UK-based insurance experts understand your business insurance priorities and you'll find them helpful, efficient and ready to give you a buy-to-let insurance quote.   If your needs are complex or your premium is over £2,000, we may also be able to visit your premises to talk them through with you. Click here to find our more about our nationwide specialist team of business insurance consultants

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.

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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.

Legal expenses

Legal expenses features and benefits

Our Buy to Let legal expenses insurance cover provides the following:

Basic cover provides you with the legal advice and protection from the professional costs and expenses of legal actions which may arise including:

  • Employment contract - covers the cost up to £100,000 of defending disputes relating to contracts for full or permanent part time employment. Cover includes any resulting award a court or tribunal orders you to pay.
  • Tax and VAT - covers the costs up to £100,000 of an appeal against the Inland Revenue or HM Customs following an in-depth investigation into your most recent PAYE, business tax or VAT accounts.
  • Legal advice help line - access to Law phone which provides advice on all business related legal matters
  • Prosecution defence - covers costs up to £100,000 for defending your legal rights after an event which arises out of your business activities as a landlord and results in criminal proceedings.
  • Property - covers the costs up to £100,000 of taking legal action relating to damage to your business premises.
  • Jury service - provides up to £100 per day to cover any shortfall in your salary or wages as a result of attending jury service.

Cover can also be extended to include the following:

  • Data Protection - Cover up to £100,000 for any one claim in respect of your legal costs to:
    • Defend you in a dispute relating to the Data Protection Act 1998.
    • Appeal against a refusal of an application for registration or alteration of your registered particulars.
    • Appeal against an Enforcement, De-registration or Transfer Prohibition Notice.
    • Pay compensation awards against you relating to the holding, loss or unauthorised disclosure of data under Data Protection legislation.
  • License protection - costs up to £100,000 of defending the withdrawal, restriction or suspension of your business license.
  • Personal injury - covers costs up to £100,000 of taking legal action against another person who causes death or bodily injury to you.
  • Witness Attendance Allowance - Cover up to £5,000 for any one Event in respect of the salary or wages of an employee that you cannot get back from the court, tribunal or arbitration.

Exclusions and Limitations

The following exclusions and limitations apply to the Buy to Let legal expenses cover:

Employment contract cover exclusions include:

  • disputes which occur within the first 3 months of cover
  • disputes with an employee who was subject to a warning in the 6 months preceding the inception of this cover
  • disputes over redundancy
  • any dispute that you have not discussed with Lawphone before you take any action
  • disputes involving sub-contracting or contracts for services with self-employed persons
  • You are responsible for the first £1,750 of each claim.

Property cover exclusions include:

  • claims relating to mining or subsidence
  • You are responsible for the first £500 of each claim.

Prosecution Defence cover exclusions include:

  • allegations of dishonesty or intentional violence
  • You are responsible for the first £500 of each claim.

Tax and VAT cover exclusions include:

  • representations during an in-depth investigation
  • anything to do with an investigation by the Inland Revenue Special Investigation Section or Special Compliance Office

License Protection cover exclusions include:

  • hearings arising out of any commercial decision made by you
  • the first application for, or standard renewal of the license
  • anything to do with drug offences
  • anything to do with under age drinking
  • You are responsible for the first £500 of each claim.

Personal injury cover exclusions include:

  • personal injury disputes between you and any employee(s)

Exclusions applicable to all covers include:

  • anything relating to franchise or distribution agreements
  • eviction of tenants or unauthorised occupants
  • non-payment of, or disputes over rent, business rates or service charges
  • any injury, damage, prosecution or appeal relating to owning or using a motor vehicle
  • disputes relating to share rights
  • Any one claim limit £100,000, Period of Insurance aggregate limit £500,000.

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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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