Frequently Asked Questions
Who are Simple Insurance?
Simple Insurance is a business name of Millennium Insurance Brokers Limited, who are part of the Direct Group of companies. (Think of us like the ‘Dairy Milk’ brand under the ‘Cadburys’ company).
Direct Group has over 20 years experience in providing insurance services. At Simple Insurance, we do landlords insurance, caravan insurance and gadget insurance.
Our aim at Simple Landlords Insurance is to provide clear and simple landlord insurance - so our customers can find the right cover for the right price. It’s our policy to try and pay out - not to try and catch you out. We like to use plain English, we don’t like hidden costs, and we don’t like a lot of fuss. That’s probably why 9 out of 10 of our customers love us.
We’re a friendly, Yorkshire-based team - sitting in the Direct Group head office in Doncaster. We love to talk - so don’t hesitate to give us a ring with any queries, on 0808 172 5600.
Why do I need landlord insurance - won’t home insurance do?
Home insurance won’t cover a property you’re renting out to someone else. Landlord insurance, on the other hand, will cover your property for fire damage, water damage, and accidental damage. It will also cover your legal liability if someone is hurt in or around your property. You can then add on extras for things like home emergencies (like a broken down boiler) or rent guarantee (so if your tenants stop paying rent you can still pay your bills).
Make sure you look at your options carefully so that you know what you’re covered for, what you’re not covered for, and what cover options you might need for your particular property and tenants. We’re here to help, and explain the options simply and clearly.
Sorry, what exactly is malicious damage/accidental damage/loss of rent/rent guarantee etc?
We’re glad you asked! If there are any terms or jargon you don’t understand, we’ve got insurance and buy-to-let jargon busters to help explain it all - and hopefully make everything simple. If you’re still not sure, you can always give us a call.
Do you offer Portfolio or Multi-property discounts?
Yes! Discounts start when you insure 3 or more properties with us (known as a portfolio of properties). You’ll not only get a better price, but you’ll also get a dedicated account manager to help you get the right cover. All you need to do is fill in a form and your account manager will get in touch with you.
Visit our multiple properties page to find out more, or call 0808 172 5600 - open weekdays 9am-8pm, Saturdays 9am-5pm, and Sundays 10am-4pm – for a chat, and we’ll work out if a portfolio policy could work for you.
How much is landlord insurance?
At Simple we offer landlords cover with prices starting from £114.50* per property, per year. Prices will vary depending on your property, tenants and the cover you require - get a quote to find out more!
Can I spread the cost?
Yes - you can spread the cost through a monthly Direct Debit payment. Setting up a Direct Debit is simple, safe and can be done when you take out a policy - or by talking to someone on our team.
This service is provided by Close Brothers Limited, who will set up your Direct Debit within 7 days.
How do I manage my policy online?
When you become a Simple Landlords Insurance customer, we’ll set up an online account for you. You’ll be able to use this to view, print or download your policy documents at any time and to make changes to your policy - including changes to your personal or contact details.
What is the Buildings Sum Insured (BSI)?
In your policy wording this is called your ‘Buildings Claim Limit’. This is the amount of money it would cost you to rebuild your property if it was destroyed or badly damaged.
It doesn’t have anything to do with what you paid for your property, or how much money you could sell it for - because the true value of your property includes the location, plot and other factors - not just bricks and mortar.
You might find full building costs on your mortgage survey, and there are also useful tools like the RICS calculator from the Association of British Insurers that can help you calculate your Building Sum Insured.
Whilst it’s important to make sure you’re not over-insured - and paying over the odds for your premium, it’s even more important to make sure you’re not under-insured. If you’ve under-estimated we may only be able to pay a proportion of your claim leaving you out of pocket. In a worst case scenario, being under-insured might even invalidate your insurance policy altogether.
It’s important to get your Buildings Sum Insured figure right, so you know you’ve got the right cover, you’re paying the right premium, and you’ve got the right protection.
Can you insure my property even though it is let to students or DSS tenants?
Yes, we can. At Simple Landlords Insurance we believe that students, people on benefits - and lots of other people - can make fantastic tenants, and we want to help you rent out your properties to them. That’s why we offer cover for a wide range of tenant types, some of which are often declined by other landlord insurance providers.
Can I just insure the contents of my property?
Yes, unlike some other providers, Simple Landlords Insurance offer a contents only option. Go to our Get a quote page and, well, get a quote! Remember, we’ll only insure YOUR contents - your tenants will need their own insurance for their own possessions.
Do you cover unoccupied properties?
Yes, as long as the property has been unoccupied for less than 3 months and you expect it to be occupied by a tenant no later than 30 days after the policy start date.
I own a flat but want to insure more than just the contents?
Simple Landlords Insurance offers buildings cover for individual flats in purpose built blocks OR flats in converted buildings - whether you are insuring the whole property or a single unit.
Before you take out insurance, check any management agreements associated with the building. If there is no (or inadequate) insurance in place, you can take a Simple Landlords Buildings insurance policy for your individual flat - and any communal areas you have a share in. which you have an insurable interest in.
It’s probably easiest if you give us a ring and have a chat - 0808 172 5600 - open weekdays 9am-8pm, Saturdays 9am-5pm and Sundays 10am-4pm.
We LOVE to talk! And email! If you would like to get in touch with us then please click here to visit our Contact us page, where all of our details can be found.
What do I do if I’ve forgotten my password?
Don’t worry, it happens to everyone. If you’ve forgotten your password then simply go to the account login page. Once on the login page you’ll see an option to retrieve a forgotten password. Just click the link and enter your email address, and your new password will be emailed to you shortly. All done and dusted.
What do I need to do if I want to make a claim?
Oh dear. But that’s what we’re here for, and we actually LIKE paying out when you need us to!
Make sure you’re familiar with your policy documents, have your policy number to hand, and give us a ring on 0344 412 4258, or email the claims team on email@example.com.
Can I cancel my policy?
If you sell your property or for any other reason you wish to cancel your policy, you can, at any time, just by logging into your account. You may be entitled to a refund calculated from the date on which you cancelled your policy.
However, we will charge you a £40 fee to cover the administration cost of cancelling your insurance.
How do I make a complaint?
At Simple, we pledge to treat all customers fairly - and we promise we’ll act quickly to resolve any issues that may arise.
However, should there ever be a time when you feel that we’ve failed to deliver the service you expect, we’ll do everything possible to ensure your complaint is dealt with promptly and fairly.
The easiest way to complain about a claim is simply to give us a call on 0344 412 4258, or email the claims team on firstname.lastname@example.org. You can also write to us at:
Simple Claims Manager
Direct Group Property Claims,
PO Box 800,
Tel: 0344 412 4258
If your complaint is about your policy, please email us at email@example.com, call us on 0808 278 9238 or write to us at:
Customer Service Manager
Simple Landlords Insurance
For complaints about landlords Legal expenses, Key protection, Rent guarantee and Home emergency cover, please email firstname.lastname@example.org, call 01384 377 000 or write to:
The Managing Director,
Legal Insurance Management Ltd,
18 Hagley Road,
We’ll attempt to resolve your complaint immediately. If this isn’t possible, we promise to attempt informal resolution within 3 business days. In the unlikely event that issues still can’t be resolved within this time, we’ll write to let you know and a formal review will be conducted by our Customer Relations team. You will get a response within eight weeks - and we’ll let you know if we need more time to investigate.
If you’re unhappy with our final response or decision, you can also refer your complaint to the Financial Ombudsman Service (FOS).
You can email them at email@example.com or write to them at:
The Financial Ombudsman Service
London E14 9SR
0800 023 4567
Calls to this number are free from a mobile or landline.
0300 123 9123
Calls to this number are charged at the same rate as 01 or 02 numbers.
From abroad please call on +44 20 7964 0500.
Lines are open Mon – Fri, 8am to 8pm, Saturday, 9am to 1pm.
You can use the online European Online Dispute Resolution platform to provide details of your complaint, which will then be forwarded to the Financial Ombudsman Service. Please be aware that this may be a slower route for handling your complaint than if you contact the Financial Ombudsman Service directly!