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Instant online quotes
and immediate cover. Pay monthly or annually.
Insurance
for Tenants (including Students)& Landlords - Pay by Credit
card or Direct debit.
Face
the facts..... Did you know that domestic burglary accounts
for 8% of all recorded crime in the UK? Are you covered
in the event of a burglary?
Most
tenancy
agreements state that it is the tenants responsibility for
any damage to their landlords property. Are you covered?
Over
100,000 bicycles are stolen every year. Thieves love them
because they can be sold easily and anonymously. Are you
covered?
Is
your laptop insured?
The
average cost of a student burglary is £900. The most
commonly stolen items are personal laptops / computers and
other electrical goods. Are you covered?
Is
your Landlord going to keep your deposit? Are you covered?
If
you are renting a property the insurance that the owner has
will probably not cover your own belongings. You should take
out your own contents insurance. (see section
further down this page - "Tenants
Contents Insurance")
Working
in association with HomeLet
and
Endsleigh - two Landlord
and Tenant insurance specialists in the UK, jml can
provide Tenants and landlords with the most competitive insurance
quotations read on.....
Zurich
Insurance claims that UK Tenants are gambling with their possessions
March 2008. See
article
Homelet
tenants insurance
HomeLet
provides a range of insurance and other related products for
tenants:
| Standard
Cover - Contents & Personal Possessions in your home. |
Additional
Cover - loss or Accidental damage to personal possessions
anywhere.
|
|
What
if I’m in shared accommodation? If you share
or sub-let the home, each tenant will require separate
cover.( bedsits - student lets etc)
|
Pedal
Cycles - with an individual value exceeding £200
each
|
Spread
your insurance premium costs - pay monthly
Click
Here for Premier Homelet Specialist Tenants Insurance - Instant
Online Quote
Homelet
is a trading style of Erinaceous Insurance Services Ltd, Phoenix
House, 11 Wellesley Road, Croydon, Surrey CR0 2NW, England
who are authorised and regulated by the Financial Services
Authority in the UK. Their FSA Register number is 308724.Jeffrey
Milner Ltd T/A jml Property Services acts as introducers to
Homelet
Remember:
Homelet
Tenants insurance policies are portable so if you move from
one part of the country (UK) you can take it with you. Contact
Homelet for conditions.
Endsleigh
tenants insurance
Tenants
Endsleigh
provides specialist cover for those people living in rented
accommodation.
- Cover
available from just £3,000 worth of contents
- An
individual / couple's possessions can be covered within
a multiple occupancy property
- Cover
for landlord's contents for which you are legally responsible
for
- Option
to cover personal effects away from the home
- Option
to pay monthly
Bicycle
Insurance
Endsleigh
offers specialist insurance to cover your bike against theft
and accidental damage, whether you own a mountain bike or
family shopper.
- Cover
against accidental damage and theft in the UK
- Up
to 30 days cover in Europe automatically included
Student
Possessions
Endsleigh
is an independent insurance intermediary operating a panel
of insurers for both motor and home insurance. In addition,
Endsleigh offers a range of specialist insurance products
including landlord, rent guarantee, tenants and bicycle
insurance
Endsleigh
is the only provider endorsed by the National Union of Students
- Cover
available from just £2500 worth of contents
- New
for old cover available
- Cover
for walk in thefts
Jeffrey
Milner Ltd T/A JML Property Services acts as an introducer
to Endsleigh. Endsleigh Insurance Services Limited is authorised
and regulated by the Financial Services Authority. This can
be checked on the FSA Register by visiting its website at
www.fsa.gov.uk/register/home.do
Endsleigh Insurance Services Limited. Company No: 856706 registered
in England at Shurdington Road, Cheltenham Spa, Gloucestershire
GL51 4UE
Top
Rentshield
Direct tenants insurance
Click
on logo
Top
New
to letting or renting?
Take
a look at our landlords
advice and tenants
advice guides
Tenants
Contents Insurance
Tenants very often overlook this, especially those who have
never rented before. To a tenant who has just paid the first
months rent plus a deposit and administration fees in order
to move into the property, insurance is the last thing on
their mind. Recent studies have shown that less only 1 -20
tenants have any contents cover at all.
Although
a conventional home contents policy will give a basic degree
of cover for most insured perils it is not specifically designed
for tenants and there can be some major gaps in the cover
you need. Often the minimum sum you can insure for will be
far in excess of what the tenant needs, typically a minimum
of £10,000 - £12,000.
Most specialist tenant policies will provide the tenant with
cover starting from £2,500 upwards and will usually cover
accidental damage that you may cause to the landlords fixture,
fittings, buildings and contents. Should the tenant accidentally
damage the carpet with a wine stain or hot iron or a work
surface with a hot pan mark, these events will be covered.
Usually the tenancy agreement will make the tenant legally
liable for such damage, any damage found at the time of the
check-out will be deducted from the deposit or security bond.
If the tenant has adequate insurance these events will be
covered, thereby protecting your deposit.
If a Tenant has a loss through, burglary, fire, flood or other
insured peril, which has damaged their contents and have no
insurance for their personal possessions they are then left
with the cost of replacing the items themselves.
Any items of personal property (clothes, furniture, computers
etc) a tenant takes into the property it is their responsibility
to insure. Most policies will give an option for basic cover
which can usually be extended to cover high risk personal
items which are taken outside the home, on holiday or Worldwide
i.e. Cameras, sports equipment, clothes, jewellery etc.
In certain high-risk inner city post codes there will usually
be a requirement to have minimum-security locks on doors and
accessible windows. Do also take into account the conditions
of insurance policies, regarding keeping windows and doors
secured when the Tenant is not in the property. For further
information click on the appropriate insurance company logos
on this page.
N.B.
This information should not be relied on for accuracy and
is presented here without the responsibility of jml Property
Service and the website it is being displayed at. ©jml property
Services 12-04
Top
Zurich
Insurance claims that UK Tenants are gambling with their possessions
- survey results published March 2008.
According
to Zurich Insurance UK tenants are gambling nearly £8 billion
of personal possessions by not protecting themselves against
crime or bad weather.
They
have reported that almost a million private tenants representing
37 per cent of those surveyed confessed that they have no
home contents insurance even though the fact that a third
said they estimate their personal possessions to be worth
more than £10,000 in value. Some have individual items worth
over £1,500.
In
the survey, 22 per cent admitted it would take over two years
to replace all of their possessions if they were damaged or
stolen. A third thought that they would never be able to afford
all of their personal belongings.
In
the survey one in ten tenants who do not have insurance believe
that their landlord's insurance policy covers their contents
which would very rarely occur in reality.
A
quarter of those surveyed believe that their risk is simply
not high enough to make insurance worthwhile.
The
survey found that other financial commitments take priority.
These are paying bills fifty six per cent - debt repayments
thirty six per cent - pension contributions twelve per cent.
Other reasons for not taking out contents insurance were preferring
to spend money on holidays, new clothes and socialising.
Steven
Gilbert Zurich Insurance's home underwriting manager said"
Home contents insurance is often seen by tenants as non essential.
Be it funding other financial priorities, their lifestyles
or even perhaps saving to get a foot on the property ladder
themselves, they need to be aware that not having insurance
could cost them dearly in the long run - especially if faced
with the daunting prospect of replacing all their possessions".
Top
Going
away on holiday / traveling? Click
here for details about Travel insurance
New
to letting or renting?
Take
a look at our landlords
advice - Tips
for landlords and tenants
advice and Tips
for tenants guides
Why
do I need Landlords Insurance? and
Article
on Landlord Insurance
Top
ARE
YOU GOING TO COLLEGE OR UNIVERSITY IN THE UK?
Did you know that they can get insurance for your rental room,
flat or house? CLICK
HERE for more information
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