buy to let insurance

Legal expenses 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 10% of all unrecovered costs.

• Property cover exclusions include

  • claims relating to mining or subsidence
  • You are responsible for 10% of all unrecovered costs.

• Prosecution Defense cover exclusions include

  • allegations of dishonesty or intentional violence
  • You are responsible for 10% of all unrecovered costs.

• 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 10% of all unrecovered costs.

• 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
  • 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.