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Landlord excess protection insurance

Padlock and chain around a piggy bank

Excess is the bit that you pay before your insurance policy kicks in. Excess protection means you’ve got insurance for the excess you pay out when making an insurance claim. So essentially you’ll get your excess back again.

Landlord excess protection building insurance quotes

Protect your excess and you could end up paying nothing towards your insurance claim yourself.

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What does landlord excess protection cover?

Our excess protection includes:

  • Reimbursement for the voluntary excess you paid (from £100 to £1000) on a settled claim, up to your selected claim limit. (This basically means you get your excess payment back after your claim has been settled).
  • Reimbursement for the compulsory excesses you have to pay for escape of water (£300), subsidence, ground heave or landslip claims (all £1,000). So we won’t quibble about paying you back when the excess is automatically set higher for these major events!
  • Any number of claims in a year, up to the aggregate claim limit of your excess protection policy. So if you select your excess protection claim limit higher than your voluntary excess, you can make lots of smaller claims up to the limit. For example...

    Your landlords insurance voluntary policy excess is £200 and you select an excess protection claim limit of £1,000. In the event of a valid claim, we will cover and pay £200, leaving £800 of the initial £1,000 claims limit, allowing you to make further claims for the remainder of the 12 month cover period. It’s simpler than it looks!

Things we won’t cover

  • We’ll only pay you back your excess payment if the claim was greater than the excess itself. So if whatever’s happened costs less to fix than your excess, we can’t reimburse you.
  • We can only reimburse one claim for the compulsory excesses over your 12 month cover period.
  • Excess protection can only be used for your Landlords insurance. For more information please take a look at the full policy documents - which show exactly what you’ll be covered for.

What is landlord excess protection insurance?

If something goes wrong at your property, and you need to make a claim on your landlords insurance, you pay an excess before your insurance policy kicks in to cover the rest of the cost. You can often choose how much to set your excess at - and generally the higher it is the lower the premium you have to pay on your insurance policy.

If you don’t want to have to pay that excess, you can pay to protect it. When your insurance claim is settled, simply submit a claim for the excess you’ve paid, and get it back.

Do I need landlord excess protection insurance?

Nope. But it can be useful if you set your excess high to lower your premiums, or if you can’t afford to take the hit of a £1,000 excess payment for a landslip claim. It’s worth doing the maths and working out whether excess protection could work for you at one or more of your properties.

How much does landlord excess protection insurance costs?

Our excess protection cover starts at £25.00 for 12 months – which equates to just over £2 per month and provides you with £200 of excess insurance.

How long does it take to claim back my excess, and get it back in my pocket?

Well your landlords buildings and contents insurance claim must be processed first. If it’s successful, you can then claim for the excess you paid. This will generally be refunded within 5 working days from receipt of the excess claim.

The Excess protection Insurance Product Information Document provides you with a summary of key features and exclusions.

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