Block Insurance for Flats

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2 Our Flat Insurance Packages have been designed to offer liability and contents insurance policies for residential landlord and owner occupier leaseholders. We provide in-house policy and claims administration. This enhances our ability to respond to your requirements and should a claim arise, we aim to get you back to normal as soon as possible, with minimal disruption. The policies have been specifically designed to reflect the different requirements of leaseholders of flats. The policy for leaseholder landlords specifically provides cover in respect of the insurance obligations of an assured shorthold tenancy agreement. Block Insurance for Flats This policy excludes cover for the buildings. The block of flats will normally be insured under the Block Insurance policy, and your share of the premium will be paid through the service charge you pay. We can provide cover for the block insurance of the flats please ask your Block Management Company to call us for an alternative quote at the next renewal or ask us to call them. Contact us on or iinfo@welovelandlords.co.uk

3 Standard Policy Features Landlords Unfurnished Package Cover for landlord s white goods, carpets & curtains - up to 5,000 2 million Property Owners Liability cover Accidental Damage to contents New for Old protection Malicious Damage by Tenants Policy excess 250 Landlords Unfurnished Package Plus Cover for landlord s white goods, carpets & curtains - up to 10,000 2 million Property Owners Liability cover Accidental Damage to contents New for Old protection Malicious Damage by Tenants Policy excess 250 Landlords Furnished Package: Cover for landlord s contents for up to 25,000* 2 million Property Owners Liability cover Accidental Damage to contents New for Old protection Malicious Damage by Tenants Policy excess 250 Owner Occupier Package: Quotations will be provided based on your individual requirements. *Optional additional covers/increased limits by request For further details please contact us: e info@welovelandords.co.uk w

4 Proposal Form Policyholders name Property address Post code Occupation Tel no. Date cover required / / Agent name Number of storeys My flat is on the floor Do you pay a service charge that includes insurance for the buildings? YES NO Cover Requirements - Landlords Packages Package Unfurnished Unfurnished Plus Furnished 1 & 2 Bedroom properties* Bedroom properties* & 5 Bedroom properties* Additional cover/higher limits of cover required - we will call you with a quote specific for your personal requirements. Optional Additional Covers - available only to Residential Landlords Legal and rent recovery Legal with rent guarantee See website for details of cover Total premium * A bedroom is a room used as, or originally built to be, a bedroom even if now used for other purposes. All premiums include Insurance Premium Tax (IPT) Owner Occupier please contact me to offer me a quotation for my home If you prefer, you can call us on or to request a quotation form to complete, please info@welovelandlords.co.uk All premiums are inclusive of Insurance Premium Tax. Policies are issued electronically, however they are available by post subject to an administration fee of

5 Please read and sign below to acknowledge your understanding and agreement Landlords - Unfurnished & Furnished Packages ONLY (Owner Occupiers will receive an individual quotation with full terms & conditions attached). Statement of fact The home is used for short lets (i.e. Assured Shorthold Tenancy) The home will not be unoccupied for more than 8 weeks at a time, without informing WeLoveLandlords The home will only be let for residential purposes The property is constructed of brick, stone or concrete and roofed with slates, tiles, asphalt, concrete or metal The house is in a good state of repair and will be so maintained The home does not have any special exposure to damage by storm or flood The home does not have any sign of damage by subsidence, heave or landslip and you are not aware of any previous damage to the home by subsidence, heave or landslip The sum(s) insured represents the full replacement costs You undertake to maintain sum(s) insured at their full value In respect of any of the risks to be insured, no person to be insured has sustained any loss, damage, injury or liability in the last 5 years, whether insured or not. The occupants are employed, self employed or engaged in household duties. In respect of any of the risks to be insured, no person to be insured has ever had a proposal for insurance declined, renewal refused, cover terminated, increased premium required or special conditions imposed by any insurers. No person to be insured has ever been convicted of (or charged but not yet tried with) any criminal offence (other than motoring offences). Important All material facts must be disclosed. Failure to do so could invalidate the policy. A material fact is one which is likely to influence the insurer in the assessment and acceptance of the proposal, e.g. intended occupancy of the property or any criminal convictions (other than for motoring offences). Material facts must be disclosed in relation to yourself and all persons who are to be insured. If you are in any doubt as to whether a fact is material then it should be disclosed to the insurer. Declaration I/we hereby declare that to the best of my/our knowledge and belief the above statements are correct and that I/we have withheld no information material to this proposal whether the subject of a Proposal form question or not. The above statements will form part of the contract between me/us and the Insurer. I/we consent to the information on this form and on any claim I/we may make being supplied to the Insurance Database Services Ltd (IDS) so that it can be made available to other insurers. I/we also agree that, in response to any searches you may make in connection with this application or any claim, IDS may supply information it has received from other insurers about other claims I/we have made. I/we agree to conform to the terms of the policy when issued. (A specimen copy of the policy is available on request). You should keep a record of all information you have given to us. Proposer s signature & date: /... /... Please separate this panel from the brochure, fill it in and return it to WeLoveLandlords, The Boardwalk, Cambridge Research Park, Cambridge CB25 9PD

6 WeLoveLandlords also provide other products and services of interest to our Clients: Household Insurance & High Value Homes We are able to offer competitive quotes for all types of homes, including listed and high value properties. Landlord Insurance We can offer a variety of policies for landlords including Buildings and Contents. Travel Insurance Annual & single trip cover as well as hazardous activities catered for. For information on the above please contact - WeLoveLandlords, The Boardwalk, Cambridge Research Park, Cambridge CB25 9TF t e info@welovelandlords.co.uk WeLoveLandlords is a trading style of NWBIB Ltd. Registered Office: Lakeside 300, Old Chapel Way,Broadland Business Park, Norwich NR7 0WG. Registered in England No Authorised and Regulated by the Financial Conduct Authority. WLL/FI/V2/151112