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Property Investors quote

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Proposers Q and A

a) have never been declared bankrupt or disqualified from being a company director? Yes No Select Yes or No

b) do not have any outstanding County Court Judgement(s) or Sheriff Court Decree(s)? Yes No Select Yes or No

c) have never been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986? Yes No Select Yes or No

d) have never been convicted or have any prosecutions pending or been given an official police caution, in respect of any criminal offence other than motoring offences? Yes No Select Yes or No

e) have never had any insurance proposal declined, renewal refused, had any special or increased terms applied or had insurance cancelled or avoided by Underwriters? Yes No Select Yes or No

f) have never been prosecuted for failing to comply with any Health & Safety or Welfare or Environmental Protection Legislation? Yes No Select Yes or No

g) of the insured are permanent resident(s) of the United Kingdom? Yes No Select Yes or No

h) have not had any claim or loss or had any claim made against you during the last five years, whether insured or not, in respect of any covers required under this policy? Yes No Select Yes or No

Top Level

Commercial or Residential

When did you have the most recent rebuild valuation for the property?

Is there any residential accommodation within the buildings to be insured? Yes No Select Yes or No

Please confirm the residential building type?

How many flats are in the block?

Is there any residential accommodation (or parts thereof), within the property that is owned by any third party under a residential lease agreement or other similar contract? Yes No Select Yes or No

How many individual units within the buildings to be insured?

What is the age of the building to be insured?

General

Are the buildings, garages and outbuildings in a good state of repair and regularly maintained (wind and water tight, not derelict and in good order) ? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings, and parts thereof, are fully occupied and are never left unoccupied or unattended for more than 30 consecutive days? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings are: i) free from flooding? ii) in an area which is free from flooding? iii) at least 100 metres away from the nearest river, canal, lake, watercourse or tidal waters? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings are entirely: i) built of brick, stone, concrete or steel framed? ii) roofed with slates, tiles, concrete, felt on timber, metal or asbestos? iii) constructed with timber or concrete floors? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings do not have any external composite panels and/or and internal composite panels (e.g cold rooms, freezer rooms, chilled rooms)? Yes No Select Yes or No

Please confirm the details of the composite panels, where they are situated and the manufacturer including the core filling construction

What percentage of the overall floor space within the premises contains composite panels?

Are all composite panels approved by the Loss Prevention Certification Board (LPCB)? Yes No Select Yes or No

Are all the roofs of the buildings, garages and outbuildings less than 26% flat? Yes No Select Yes or No

What is the percentage of the flat roof?

What is the construction of the flat roof?

Can you confirm the buildings, garages and outbuilding are NOT of listed construction? Yes No Select Yes or No

Please provide the grade listing status of the buildings

Can you confirm that the buildings, garages, outbuildings or adjacent properties:- i) have never suffered from any signs of damage from subsidence, landslip or ground heave? ii) do not have any cracking or show any other visible damage from subsidence, landslip or ground heave? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings are not within 250m of a cliff, quarry or excavation site? Yes No Select Yes or No

Please confirm the construction of the floors in the buildings

Please select the status that best describes you or your business

What type of residential tenant is within the buildings?

Are there any part of the buildings, garages and outbuildings that is wholly or partly below ground level (e.g. a basement or cellar)? Yes No Select Yes or No

Are the buildings, garages and outbuildings in a good state of repair and regularly maintained (wind and water tight, not derelict and in good order) ? Yes No Select Yes or No

Are the buildings, garages, outbuildings of the property being proposed entirely: i) built of brick, stone, concrete or steel framed? ii) roofed with slates, tiles, concrete, felt on timber, metal or asbestos? iii) constructed with timber or concrete floors? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings, and parts thereof, are fully occupied and are never left unoccupied or unattended for more than 30 consecutive days? Yes No Select Yes or No

Are all the roofs of the buildings, garages and outbuildings less than 26% flat? Yes No Select Yes or No

What is the percentage of the flat roof?

What is the construction of the flat roof?

Can you confirm the buildings, garages and outbuildings are not within 250m of a cliff, quarry or excavation site? Yes No Select Yes or No

Can you confirm that the buildings, garages and outbuildings of the property being proposed have never been underpinned or provided with other means of structural support? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings are NOT of listed construction? Yes No Select Yes or No

The listed status of the premises?

Are there any part of the buildings, garages and outbuildings that is wholly or partly below ground level (e.g. a basement or cellar)? Yes No Select Yes or No

Building

Please select a status that best describes you or your business

Is the property an HMO or Bedsits? Yes No Select Yes or No

Please confirm the number of bedrooms?

Is any cooking permitted outside of the designated kitchen area? Yes No Select Yes or No

Is the property licensed with the local authority ? Yes No Select Yes or No

Are liquid petroleum gas bottled heaters and/or halogen portable heaters permitted at the premises? Yes No Select Yes or No

Does the insured have a minimum of a 6 month commercial lease agreement and/or a 6 month Assured Shorthold Tenancy agreement (for all residential areas) in place directly with the occupant/tenant? Yes No Select Yes or No

Does the insured have a minimum of a 6 month Assured Shorthold Tenancy agreement in place directly with all occupants/tenants? Yes No Select Yes or No

Can you confirm that the tenants of the property are not permitted to sub-let any part of the premises? Yes No Select Yes or No

Can you confirm that satisfactory credit and income references are obtained for all tenants/occupants confirming their ability to pay rent? Yes No Select Yes or No

Can you confirm that satisfactory credit references are obtained for all tenants/occupants confirming their ability to pay rent? Yes No Select Yes or No

Can you confirm that satisfactory previous landlord references are obtained for all tenants/occupants (if applicable)? Yes No Select Yes or No

Can you confirm that formal identification of all tenants/occupants is obtained and retained? Yes No Select Yes or No

Can you confirm that you secure a deposit equal to a minimum one month rent or alternatively, have signed up to a deposit replacement scheme protecting a minimum amount equal to one month’s rent? Yes No Select Yes or No

Can you confirm that all rental payments are received from a bank account? Yes No Select Yes or No

Have you begun proceedings to evict any tenant or have you evicted any tenant in the last 12 months, or are any tenants currently in rent arrears? Yes No Select Yes or No

Is there more than one tenant occupying the buildings (excluding residential tenants)? Yes No Select Yes or No

Are the units fully self contained with full fire separation? Yes No Select Yes or No

Has any planning permission been refused? Yes No Select Yes or No

When did you purchase the premises to be insured? (MM/YYYY)

When did you purchase the premises to be insured

How long has the premises been unoccupied ?

What is the reason for the unoccupancy ?

Are there any plans to renovate or refurbish the property? If so, please provide full details including any structural work that would effect the roof or any of the load bearing walls. Yes No Select Yes or No

Is the building or part thereof to be demolished? Yes No Select Yes or No

What is the total cost of the structural works only?

What are the timescales?

Has planning permission been obtained?
Yes No N/A Select Yes, No or N/A

Can you confirm that this policy is intended to cover the whole of the buildings, garages and outbuildings? Yes No Select Yes or No

Historic

Are suitable background checks undertaken in relation to all prospective tenants and appropriate references are obtained? Yes No Select Yes or No

Can you confirm that suitable background checks are undertaken in relation to all prospective tenants and appropriate references are obtained? Yes No Select Yes or No

Can you confirm that the tenants of the property are not permitted to sub-let any part of the premises? Yes No Select Yes or No

Will paying guests be staying at the property? Yes No Select Yes or No

Do you ever let the property to more than one party at the same time? (i.e. two separate family’s unknown to each other staying at the property)? Yes No Select Yes or No

Is the property let on a self-catering basis only? Yes No Select Yes or No

Are all the buildings, garages and outbuildings of the property being proposed free from flooding and in an area which has no history of flooding? Yes No Select Yes or No

Can you confirm the buildings, garages and outbuildings are never left unattended for more than 30 consecutive days? Yes No Select Yes or No

Additional information

Policy Information Booklet

Policy Wording

Why choose us

Over £330 million gross premium written
Fully transparent custom policies to suit you
Proud to deliver to both direct and wholesale clients
Award-winning in-house claims team
Broker at Lloyds of London

Property Investors

Property Investors quote

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Cover

Top Level

Proposers Q and A

Top Level

Sums Insured

Liabilities

Terrorism

Legal Expenses

Landlords

Emergency Assistance

Minimum Premiums

Quote Information

General

Building

Historic

Tenancy Check

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