Need Property Owners Insurance From Insurance-Desk….

1
Privacy Notice
2
Owner Details and Disclosure
3
Property Details
4
Construction, Condition, Security, Utilities & History
5
Works to Property, Tenant Details and HMO Details
6
Cover
7
Last Page

Owner Details

Business or Personal name
You must be at least 18 years old
Are you a UK resident: *
Country of residence

Disclosure

Any previous CCJ’s, Bankruptcy, or director of liquidated companies personally or in a company name (this applies to all directors if in a company name): *
Any insurance declined, terminated, refused or special terms imposed (this applies to all directors if in a company name): *
Any criminal convictions other than motoring (this applies to all directors if in a company name): *
In the last 5 years, have you made a claim or suffered an incident that could have given rise to a claim in respect of Property Owners Insurance at these premises and/or any other currently occupied or owned premises: *

Property Details

This cannot be prior to today
Type of property: *
Does the property have a basement: *

This is the cost to re-build your property to the same condition after a total loss. It needs to include removal of debris costs, professional fees, labour and the cost of materials involved with the re-build process. Its so important to obtain the correct value as underinsurance can lead to reduced claims of any size.

If you don’t know your re-build value, you can use our website for residential standard property (this is a guide only). Alternatively, please contact us for a discounted professional RICS re-instatement value.

Please enter in £s (GBP)

Construction & Condition

Is the property standard construction i.e. walls of brick, stone or concrete & roofed with tile, slate or concrete: *
Are there any flat roof areas: *
Does the property have any cladding or external wall insulation: *
Is the property grade listed: *
What is the listing grade: *

Security & Utilities

Are there key operated window locks and door locks: *
Is the heating gas, electric or oil: *

Property History

Has the property ever suffered from cracking, movement, subsidence or been underpinned: *
Has the property ever been flooded: *

Works to Property

Is the property vacant: *
Has planning permission been approved for any works: *
Please enter in £s (GBP)
This cannot be prior to today
Once works are complete (if any), will the property be:

Tenant Details

Please confirm the tenant type(s): *
Is the tenancy direct with you (not sub-let to council/housing association/RG company): *
Will tenants be placed on a formal tenancy/licence agreement (not emergency housing): *
Please confirm the type of tenants (if applicable):

HMO Details (If Applicable)

Are all cooking facilities shared (no self-contained bedsits):

Additional Cover Requirements

Do you require contents cover: *
Please enter in £s (GBP)
Do you require legal expenses cover: *
Any interested parties to be noted (e.g. lender): *

Additional Services

We can also provide:
Please let us know if you would like a quote for any of the above

Your Responsibility to Provide Information

You have a duty under the Insurance Act 2015 to make a fair presentation of the risk to insurers.  This duty applies when You take out Your insurance cover, throughout the life of Your policy, and when You renew Your insurance.

The Act includes a need for You to undertake a reasonable search for material information which is known, or ought reasonably to be known, by Your company’s principals, directors, senior management (ie. anyone playing a significant role in making business decisions in Your firm) and staff responsible for insurance.  If you do not fully understand the personal situation of your partners / directors / senior management staff with regards to CCJs, bankruptcies, convictions etc then it is your responsibility to find this information out.

You should advise Us of any particular concerns which led You to seek insurance cover and any special or unusual facts relating to the risk.

You must ensure that all material statements of fact are substantially correct and not misleading, and any material information which is a matter of expectation or belief (eg. an estimate or forecast) is provided in good faith.

Failure to disclose any material information or change in circumstances to Your insurers which could influence the cost, or their decision to accept Your insurance, could mean that Your policy could be invalidated or cancelled without refund, or that part or all of a claim may be not be paid.

‘Material statements’ and ‘material information’ are information which could influence the judgement of a prudent insurer in determining whether to take on a risk and on what terms.

We “review” our markets to find the best fit for your requirements, not just “one policy fits all”.

We will be back with you very shortly, trust us, it will be worth the wait!

Professional Indemnity & Personal Liability Insurance
Professional Indemnity & Personal Liability Insurance
Professional Indemnity & Personal Liability Insurance