buy to let insurance

Exclusions and 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