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Let - Landlords Home
Let is a home insurance policy designed for landlords letting residential properties in the UK.
Let covers everyday let homes as well as providing a solution for brokers finding it difficult to place or renew their client's let home insurance.
Let can cover both the buildings and landlords contents for a wide range of tenancy types and risks:
- "Clean" and "Non Standard" risks
- All tenancy agreement periods
- Multiple tenants / multiple tenant types
- Asylum Seekers / Council Direct / DSS Benefits / Students
- Full and Part Time Working Tenants
In addition to the above underwriting approach, risks can be quoted and placed on cover online through the "Quote and Buy" facility with no referral to underwriters, providing the application meets the online acceptance criteria.
Cover provided for:
- Accidents to Domestic Employee(s)
- Legal Liability to the Public
- Landlord's Legal Expenses
Quote request
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Policy documents.
View and download the Let product summary, policy summary and policy wording here
Here at Plum we’re committed to supporting UK brokers. To helping you win and retain profitable business. Let is an important part of our delivering on that commitment.
Like all our specialist home insurance products Let is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Let, you can be confident that you are providing your clients with the competitive, tailor-made protection for their possessions they require.
A Quote & Buy solution for UK residential landlords.
Five good reasons to choose Let:
Service - Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.
Cover - Let is a Lloyd's of London approved home insurance policy with several cover enhancements. You can choose Let for your clients with confidence.
Flexibility - Our experienced underwriters are able to offer terms on a whole range of non standard landlords risks that other insurers are unable to help with.
Security - Underwriting capacity for Let is provided by Lloyd's of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor's respectively.
Expertise - Plum has been providing specialist home insurance products to UK brokers for over a decade. Let is further evidence of our strong commitment to backing brokers.
Cover is provided on a "standard perils" basis, on a policy wording based on the Lloyd's of London approved home insurance policy.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
| Cover | Limit (£) |
|---|---|
| Accidental Damage to Fixtures & Fittings | Automatically included |
| Trace and access | Up to 5,000 |
| Squatters | Up to 5,000 |
| Loss of Rent | 25% of buildings / 24 months |
| Alternative accommodation | 25% of buildings / 24 months |
| Cover | Limit (£) |
|---|---|
| Accidental Damage to electronic equipment | Automatically included |
| Theft or attempted theft by tenants | Up to 10,000 |
| Contents in common parts | Up to 1,000 |
| Loss of metered water/oil | Up to 2,500 |
| Alternative accommodation | 25% of landlords contents / 24 months |
Legal Expense
| Cover | Limit (£) |
|---|---|
| Landlord's Legal Expenses | Automatically included up to 25,000 |
| Cover | Limit (£) |
|---|---|
| Accidents to Domestic Employee(s) | 10,000,000 |
| Legal Liability to the Public | 5,000,000 |
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here .
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Plum Underwriting Limited is authorised and regulated by the Financial Conduct Authority No 309166. Registered at 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE. Company number 04509589.
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The Scheme contact details are as follows: UK HomeWorks Insurance Policy5. Financial Services Compensation Scheme PO Box 300, Mitcheldean, GL17 1DY UK: 0800 678 1100 From abroad: +44 (0)20 7741 4100 Further information about the Scheme is available from the Financial Services Compensation Scheme: www.fscs.org.uk.
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Contents Page Your Policy 2 How to Notify a Claim 4 Definitions - Words with Special Meanings 5 General Conditions 8 Claims Conditions 11 General Exclusions 12 Special Conditions which apply to you 14 Special Conditions which apply to your contractor(s) 15 Section 1 - Your Property 17 Section 2 - Your Contents 24 Section 3 - Your Liability as Property Owner 26 ...
UK Insurance Policy 3 Examples of where we would cancel your policy are as follows: 1. Where Plum Underwriting Ltd has been unable to collect a premium payment following non-payment correspondence issued to you or your broker or insurance intermediary. If you pay your premium to us through a direct debit facility, we will allow 30 days for the premium to be brought up to date.
Share this. BPlease note that our policy wordings have been updated for new business and renewals with an effective date of 1st April 2021 and onwards.You can view all new product documentation on the Document Centre. Here's a summary of the key updates per product available on the Plum Online Portal:
Plum Underwriting Limited is registered in England and Wales: 04509589, 36-38 Botolph Lane, London, EC3R 8DE Plum Underwriting Limited is authorised and regulated by the Financial Conduct Authority, FRN 309166. Underwriters All underwriters for your policy are detailed on your policy schedule and/or statement of fact
Plum Elite Home Insurance Policy 3 HowtoNotifyaClaim To notify a possible claim, please refer to yourscheduleofinsurance for claims contact details relevant to the section under which you are claiming. When notifying a claim, please provide your name, policy number, the name of your insurance broker and full details of the loss or damage.
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Plum Flex Home Insurance Policy 3 2. If you remain dissatisfied with the resolution or handling of your complaint by Plum Underwriting, then youmay refer the matter to: Policyholder & Market Assistance, Lloyd's Market Services, Lloyd's, One Lime Street, London, EC3M 7HA Tel: 020 7327 5693 Fax: 020 7327 5225 E-mail: [email protected] 3.
Service - Plum has been voted an Insurance Times 'Top 5' personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required. Cover - Let is a Lloyd's of London approved home insurance policy with several cover enhancements. You can choose Let for your clients with confidence.
This policy wording is divided into a number of sections. To find which sections are in force, you . should check . your schedule . which . is enclosed with this policy wording. The insurance relates ONLY to those sections of this policy which are shown in the . schedule . as being included. How much to insure for. You . have an ongoing duty to ...
Plum Underwriting Limited is registered in England and Wales: 04509589, 36-38 Botolph Lane, London, EC3R 8DE Plum Underwriting Limited is authorised and regulated by the Financial Conduct Authority, FRN 309166. Underwriters The underwriters for your policy are detailed on your policy schedule under the 'underwriters' section.
Welcome Thank you for choosing to insure your home with Plum Underwriting. We are a specialist home insurance provider, established in 2002.We offer our products to our broker partners in the UK and Ireland and have built a strong reputation based on our excellent customer service and underwriting appetite. We choose our insurers who cover the risks in the policy very carefully, based on their ...
Welcome Thank you for choosing to insure your home with Plum Underwriting. We are a specialist home insurance provider, established in 2002.We offer our products to our broker partners in the UK and Ireland and have built a strong reputation based on our excellent customer service and underwriting appetite. We choose our insurers who cover the risks in the policy very carefully, based on their ...
Landlords Insurance Policy - Republic of Ireland 3 We will detail the reason for the cancellation in our written notice to your broker or insurance intermediary. Examples of where we would cancel your policy are as follows: 1. Where Plum Underwriting has been unable to collect a premium payment following non- payment correspondence issued to you or your broker or insurance intermediary.
Policy Wordings Simplified. PolicyWording helps you unravel the fine-print (policy wording). Search, bookmark for future reference and share them with friends. Users can also compare policy wordings of two or more products for a more informed buying. Check out PolicyWording.. Our expert team works full time to help your decisions. You can reach ...
Welcome Thank you for choosing to insure your home with Plum Underwriting. We are a specialist home insurance provider, established in 2002.We offer our products to our broker partners in the UK and Ireland and have built a strong reputation based on our excellent customer service and underwriting appetite. We choose our insurers who cover the risks in the policy very carefully, based on their ...
If you need to notify us of a claim, or of any circumstances or incident which may cause a claim in the first instance you. should contact your insurance broker. Alternatively you may contact the claims department at 0345 475 3455. All claims are handled by our third party claims administrators, Quest Gates.
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