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Landlord’s
Property
Insurance
Policy Summary
of Cover
Hamilton Fraser Insurance
Kingmaker House,
Station Road, New Barnet,
Hertfordshire, EN5 1NZ
Telephone: 0845 310 6300
Fax: 0845 310 6301
Email: landlords@hamiltonfraser.co.uk
Web: www.hamiltonfraser.co.uk
Hamilton Fraser Insurance is a trading name of HFIS plc. HFIS plc
are authorised and regulated by the Financial Services Authority
Registered Office:
hfis/1112/02-10
42 Lytton Road, Barnet, Hertfordshire, EN5 5BY
Registered in England: 3252806
This booklet is printed on material taken from trees grown in sustained forests.
Providing SPecialiSt ProPerty inSurance for landlordS Providing SPecialiSt ProPerty inSurance for landlordS
Landlord’s Property Insurance The Cover Available
Landlord’s Property Insurance - Policy Summary of Cover
Landlord’s Property Insurance - Policy Summary of Cover
Your Policy at a Glance The following cover sections are all available as part of our Landlords
This Policy Summary is designed to help you understand your insurance Property Insurance policy however we will insure only those sections
policy by setting out the significant features, benefits, limitations and you request and we agree to insure. If cover has been included within
exclusions. This document does not describe all the terms and conditions of our quote this will be specified on our quotation.
your policy, so please take time to read the Policy Wording for full details of
the insurance. Buildings (Section 1) are Defined as:
The Buildings (including foundations) at the premises, being of
Who is the insurance provider? standard construction, and including the following all situate on or
This insurance is underwritten by Allianz Insurance plc and administered in or at the premises;
by Hamilton Fraser Insurance in accordance with the authorisation under
contract by Allianz. Both Allianz Insurance plc and Hamilton Fraser Insurance • Landlords Fixtures & Fittings (including communal radio and television
are authorised and regulated by the Financial Services Authority. receiving aerials satellite dishes communication equipment and related
fittings, fixed glass and fixed sanitary ware
Allianz Insurance plc are one of the UK’s largest general insurers and are part • Walls gates fences and services
of the Allianz Group, one of the world’s foremost financial service providers. • Fuel tanks and their ancillary equipment and pipe work
• Driveways hardstandings and similar hard surfaced areas all being
About Hamilton Fraser constructed of solid materials
Hamilton Fraser are an independent insurance broker and has worked closely • Landscaping (including trees shrubs plants turf and other forms
over the last 15 years with the leading Landlords body, the National Landlords of vegetation) including garden furniture ornaments and statues
Association to meet the insurance needs of the residential landlord. but excluding ponds and lakes
• Garages and outbuildings owned and used in connections
We recognise that whilst competitive premiums are important, security and with the buildings
peace of mind are of equal importance to our clients and so we only deal
with the UK’s leading insurers. Contents (Section 2) are Defined as:
Fitted carpets, furnishings, household goods and other Contents of
Our success over the last 15 years has been largely down to our unique reception and storage areas and other communal parts specifically
approach to insurance - a blend of traditional values and state of the provided for the use of the Tenant at the insured premises for which
art administration. you are legally liable.
Type of Insurance and Cover Key Benefits
The Landlords Property Insurance Policy is designed to meet the needs of Buildings (Section 1) and Contents (Section 2) are Covered
property owners or leaseholders of private residential properties. The Policy For Loss or Damage Caused by:
provides a range of covers under a single package that can be tailored to suit • Fire, Smoke, Explosion, Lightning and Earthquake
your particular insurance needs. • Riot, Civil Commotion, Labour and Political Disturbances and Strikes
• Malicious Damage and Vandalism up to £25,000 per claim where loss or
What is The Duration of The Contract? damage is caused by your tenant or their guests
The period of insurance will be for 12 months unless otherwise stated in your • Impact by Aircraft and other Aerial Devices, vehicles, trains, non-domestic
Policy Schedule. animals, falling trees or branches and falling television satellite dishes
• Storm and Flood
• Subsidence or Heave of the site or Landslip
• Escape of Water and resultant damage arising from fixed water tanks,
apparatus or pipes
• Theft or attempted theft
• Escape of Oil from fixed domestic oil-fired heating installations
02 Policy Summary of cover Policy Summary of cover 03
Buildings (Section 1) Public Liability (Section 4)
Landlord’s Property Insurance - Policy Summary of Cover
Landlord’s Property Insurance - Policy Summary of Cover
Cover also includes: Cover provides indemnity for amounts you are legally liable to pay:
• Frost damage to fixed water tanks, apparatus and pipes • As damages arising out of bodily injury or property damage caused by
• Damage caused by falling aerials and masts an accident at the insured premises happening in connection with the
• Accidental damage letting of the premises
• Architect’s and Surveyor’s fees, debris removal and additional costs • In relation to the Defective Premises Act in connection with any
as a result of Local Authority requirements buildings owned by you in the last 7 years
• Accidental Breakage of fixed glass forming part of the building • The most we will pay is £5,000,000 (plus costs and expenses) for
including double glazed units, ceramic hobs and tops, solar panels, any one accident or series of accidents arising out of any one event
fixed sanitary ware forming part of the buildings
• Accidental damage to cables, underground pipes and drains serving Employer’s Liability (Section 5)
the buildings • Cover provides indemnity for amounts you are legally liable to pay
• The costs of locating the source of escape of water or oil, up to in respect of bodily injury sustained by any employee in connection
£5,000 for any one building and up to £25,000 in total during the with the letting of the premises
period of insurance. • The most we will pay is £10,000,000 (plus costs and expenses) for
• Damage to Landscaped Gardens caused by Emergency Services any one accident or series of accidents arising out of any one event
attending the premises, up to £25,000 in total during the period • Please refer to the Definitions Section of the policy to establish exactly
of insurance which type of employees are covered
• Replacement of external locks following Theft of keys from the
private residence of the insured or whilst in the custody of any person Terrorism (Section 6)
authorised to hold such keys, up to £1,000 any one building and up • Cover for Buildings, Contents and Alternative Accommodation or
to £25,000 in total during the period of insurance Loss of Rent is extended to include damage resulting from terrorism
• Increased domestic metered water or oil charges up to £5,000
following an escape Sums Insured
• Closed Circuit Television systems up to £5,000 • The sums insured for Buildings are index linked to protect you against
• Removal of wasps or bees nests from the buildings, up to £250 inflation. No other sections of your policy are index linked
• Anyone buying the Buildings from exchange of contracts until • Buildings (Section 1) also covers the increased cost of rebuilding the
the sale is completed buildings following extensions or alterations you have undertaken during
the period of insurance, up to 10% of the sum insured for Buildings
Contents (Section 2) • We will not reduce the sum insured under Section 1 Buildings
Cover also includes: after we have paid a claim as long as you agree to carry out our
• Accidental breakage of fixed glass in furniture within the Buildings recommendations to prevent further loss or damage. We will reinstate
(subject to certain restrictions) the Sum Insured stated in Buildings (Section 1) from the date of any
• Landlords Gardening Equipment up to £1,000 damage unless we give written notice to the contrary. You may be
required to pay some extra premium
Alternative Accommodation or Loss of Rent (Section 3) • We will not reduce the sum insured under Section 2 Contents
Cover includes: after we have paid a claim as long as you agree to carry out our
• Alternative accommodation, loss of rent or temporary storage of recommendations to prevent further loss or damage. You may be
contents while the buildings are non-tenantable or access to buildings required to pay some extra premium
is denied as a result of damage covered under Buildings (Section 1),
for up to 30% of the sum insured for Buildings or sum insured stated
on your policy schedule
• You can increase the limit above 30% in return for payment
of an additional premium
• Cover is also provided for up to 90 days for denial of access
to the buildings by the Government following natural disaster,
outbreak of a contagious disease or other threat to health,
or by the emergency services
04 Policy Summary of cover Policy Summary of cover 05
Significant Conditions, Alternative Accommodation or Loss of Rent Cover (Section 3)
Landlord’s Property Insurance - Policy Summary of Cover
Landlord’s Property Insurance - Policy Summary of Cover
We will not pay for the cost of providing alternative accommodation
Exclusions or Limitations for the tenant unless you are legally required to provide alternative
accommodation and can provide documentary evidence to this effect
Buildings Cover (Section 1)
Employers Liability Cover (Section 5)
Unless otherwise agreed by us, the following limitations apply to Buildings:
Please refer to the Definitions Section of the policy to establish exactly
• Loss or damage caused by your tenants or their guests is limited to
which type of employees are covered.
£25,000 per claim
• We will not pay for damage caused by theft or attempted theft to any
General Conditions That Apply to The Whole of This Insurance:
portion of the buildings used for business purposes other than for the
• You must take all reasonable steps to prevent damage or an accident
purpose of letting the premises
and keep the property in a good state of repair
• Accidental damage to outbuildings and garages which are not
constructed of brick, stone or concrete and mainly roofed with slates,
• You must tell us before you start any conversions, extensions or
tiles, metal, asbestos, asphalt or concrete
other structural work that:
• We will not pay the cost of replacing or repairing any undamaged parts
i) Changes the use of the buildings in any way
of the buildings which form part of a pair, set, suite or part of a common
ii) Renders the property non-tenantable for any period of time
design or function when the loss or damage is restricted to a clearly
iii) Increases the cost of rebuilding the buildings by more than
identifiable area or to a specific part
10% of the sum insured for that building
Contents Cover (Section 2)
• You must tell us if:
Unless otherwise agreed by us, the following limitations apply to contents:
i) The property becomes non-tenantable at any time
• Curios, pictures and other works of art are insured up to a maximum of
ii) The use of the property is changed to anything other than
£1,000 per item
a private residence
• Theft or attempted theft by deception unless entry is gained by deception
iii) The type of tenant is changed from that previously advised to us
• Theft of landlords gardening equipment when entry or exit is not made
by forcible and violent means
• You must comply with all local authority regulations or statutory
• We will not pay the cost of replacing or repairing any undamaged parts
conditions regarding the letting of the premises
of the contents which form part of a pair, set, suite or part of a common
design or function when the loss or damage is restricted to a clearly
• You must ensure the sums insured are adequate throughout the
identifiable area or to a specific part
period of insurance
Contents Does NOT Include:
• Whenever the property is left without a resident for more than 30
• Landlords Fixtures & Fittings which are insured under Buildings (Section 1)
consecutive days you must:
• Articles of gold, silver, gold and silver plated articles, other precious
i) Ensure that all security devices are kept in full and effective operation
metals, jewellery or furs
ii) Have weekly internal and external inspections of the buildings
• Cameras (including video and camcorders), sports equipment
carried out
• Pedal cycles, clothing and personal effects
iii) Keep written reports of weekly inspections
• Money, bills of exchange and promissory notes, securities or documents
iv) Rectify any defects revealed during weekly inspections
of any kind
v) Between 1st November and 31st March (both days inclusive) ensure
• Any one curio, picture or other work of art valued in excess of £1,000
that either:
• Property in the open
a. The water supply be switched off at the mains and the entire
• Pets and livestock
water system and central heating system be drained of all water;
• Motor vehicles, caravans, boats, trailers or accessories in them
or
or attached to them
b. Where the entire private dwelling has the benefit of a central
• Any property belonging to the Tenants
heating system it is set to operate continuously for 24 hours
• Contents in storage at the insured premises if not intended
of each day and the thermostat set at not less than 10 degrees
for use at that premises
Celsius/50 degrees Fahrenheit. Where fitted the loft hatch door
is left open
06 Policy Summary of cover Policy Summary of cover 07
• You must tell Hamilton Fraser immediately if
Additional information
Landlord’s Property Insurance - Policy Summary of Cover
Landlord’s Property Insurance - Policy Summary of Cover
i) The private residence is left without a resident; or
ii) There is a break between tenancy agreements for more than 90
How We Settle Your Claim
consecutive days in length
Buildings – We will pay the full cost to repair or replace the loss or damage
• You must notify Hamilton Fraser of the interest of any owner(s),
providing the buildings have been maintained in a good state of repair and
mortgagee(s), lessor(s) or other interested parties in the event of a claim
the sum insured is adequate to cover the full cost of rebuilding the home
Exclusions That Apply to The Whole of This Insurance:
Contents – Providing the sum insured is adequate, we will pay either the
• Loss or damage caused directly or indirectly by radioactive
full cost to repair or, in the event of total loss or destruction of any article,
contamination and nuclear assemblies
we will pay the cost of replacing the article as new
• Loss, destruction, damage, death, injury, disablement or liability directly
or indirectly occasioned by, happening through or in consequence
How to Make a Claim Under This Insurance
of war, invasion, acts of foreign enemies, hostilities (whether war be
If you need to notify us of an accident, loss or damage under this
declared or not), civil war, rebellion, revolution, insurrection, military
policy please contact the Hamilton Fraser Insurance Claims Team
or usurped power, or confiscation or nationalisation or requisition or
as soon as possible
destruction of or damage to property by or under the order of any
government or public or local authority
Claims
• Loss, destruction or damage directly or indirectly occasioned by,
Hamilton Fraser Insurance
happening through or in consequence of any act of Terrorism
Kingmaker House
• Loss or damage to any computer equipment, any liability or financial loss
Station Road
caused directly or indirectly by programming or operator error, viruses,
New Barnet
hacking, erasure or corruption of electronic data
Hertfordshire EN5 1NZ
• Loss or damage occurring outside of the duration of this policy
Call: 0845 310 6385
• Deliberate Damage by you, a member or your family, someone who
permanently resides with you or a member of your family
At the time of making a claim, you will be asked for the following:-
• Loss or damage caused by
• The policy number stated on your schedule
i) wear and tear, gradual deterioration, rusting, corrosion, wet rot,
• Full details of the claim
dry rot, rising damp, mould
ii) failure of boiler components
Outside of business hours your call will be diverted to our out of office
iii) atmospheric or climatic conditions and the action of light
messaging service. You will be asked to provide details of the incident and
iv) cleaning, repairing, restoring, renovating, dyeing, heating or drying
this will be e-mailed to one of our dedicated claims handlers, who will
v) the cost of maintenance or normal redecoration
contact you as soon as possible to advise how to proceed with your claim.
vi) faulty or defective workmanship
• Diminution of market value
Your Right to Cancel
• Damage and liability in respect of pollution or contamination, other than
You are entitled to cancel this insurance by contacting Hamilton Fraser
caused by a sudden identifiable unintended and unexpected incident
Insurance within 14 days of either:-
that takes place during the period of insurance
• The date you receive your policy documentation; or
• Damage caused by pets, insects, fungus or vermin
• The start of the period of insurance.
Policy Excess
Whichever is the latter. Providing you have not made any claims we will
The policy excesses applicable to your insurance are shown on your policy
refund the premium, though Hamilton Fraser Insurance may charge you
schedule or quotation. The standard policy excess is £250. This excess is
an administration fee.
increased to £1,000 for claims arising out of;
• Subsidence, landslip or heave
What is The Complaints Procedure?
• Malicious Damage by your tenants or their guests
Hamilton Fraser Insurance are committed to delivering high quality
For claims resulting from theft of keys or removal of wasps or bees nests
customer service. But if you have a question, query or complaint just follow
there is no excess. Any specific excesses that may be applied will be
these easy steps and we will do our best to find a quick and fair resolution.
shown on your policy schedule
08 Policy Summary of cover Policy Summary of cover 09
Step 1 Financial Services Compensation Scheme
Landlord’s Property Insurance - Policy Summary of Cover
Landlord’s Property Insurance - Policy Summary of Cover
If you have a complaint or any issues over the handling of your policy Allianz contributes to the Financial Services Compensation Scheme
or claim, let Hamilton Fraser insurance know and they will do their best (FSCS). You may be entitled to compensation from the Scheme
to find a satisfactory resolution as quickly as possible. if Allianz is unable to meet its liabilities. If You were entitled to
compensation under the Scheme, the level and extent of the
Hamilton Fraser Insurance compensation would depend on the nature of the contract. Further
Kingmaker House information about the Scheme is available from the Financial Services
Station Road Compensation Scheme, 7th Floor, Lloyds Chambers, Portsoken Street,
New Barnet London E1 8BN and on their website www.fscs.org.uk
Hertfordshire EN5 1NZ
Call: 0845 310 6300 The Law Applicable to This Insurance
Click: www.hamiltonfraser.co.uk Under European Law you and the insurer are free to choose the law
Email: complaints@hfis.co.uk applicable to this insurance contract. Unless specifically agreed to the
contrary this insurance shall be subject to English Law.
Step 2
If you remain dissatisfied you can contact the Allianz Insurance plc
directly who will try to resolve the matter with you. Please direct any
correspondence to:-
Customer Satisfaction Manager
Allianz Insurance plc
57 Ladymead
Guildford
Surrey GU1 1DB
Call: 01483 552 438
Email: acccsm@allianz.co.uk
Step 3
If you have received a response from Allianz Insurance plc and you are still
not satisfied you have the right to refer your complaint to the Financial
Ombudsman Service.
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London
E14 9SR
Call: 0845 080 1800
Click: www.financial-ombudsman.org.uk
Your right to take legal action against us is not affected by referral to
the Financial Ombudsman Service.
010 Policy Summary of cover Policy Summary of cover 011
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