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Residential Property Owners

Let Protect Underwritten by Ascot Group’s Syndicate 1414 at Lloyd’s

Our Residential Let Protect product is underwritten by Ascot Group’s Syndicate 1414 at Lloyd’s and is suitable for residential property owners who own a property* that is either let out to tenants, used as a holiday home, used as a second home and/or is unoccupied. (*House, Single flat or block of flats/apartments).

This product provides insurance cover for buildings, contents, loss of rent/alternative accommodation and property owners’ liability insurance. In addition, the following covers can be added onto the residential let product: legal cover, rent guarantee, emergency assistance and/or terrorism cover.

The product is not suitable for properties situated in Northern Ireland.

Up to £4,000,000 Buildings Sum Insured
Wide Range of Tenancy Types & Risk Profiles
FREE £5,000 Contents Cover when occupied
FREE Accidental Damage Cover*
FREE Loss of Rent (Up to 20% of the Buildings Sum Insured)
Strong Appetite for Portfolios

*Unless occupied by DSS Referral / Asylum Seekers or Unoccupied

For the full Target Market Statement and supporting information please click here

Features and Benefits

  • Alternative Accommodation – Up to £150,000
  • Property Owners’ Liability – Up to £2,000,000 LOI
  • Up to 90 days Unoccupancy Period*
  • Illegal Cultivation of Drugs – Up to £5,000
  • New for Old Contents Cover
  • Trace & Access – Up to £5,000
  • Index Linking
  • Loss of Metered Water – Up to £5,000
  • Unauthorised Use of Utilities – Up to £5,000
  • Landscaped Gardens (Damaged by Emergency Services) – Up to £5,000
  • Accidental Damage to Cables or Underground Services Pipes
  • Removal of Wasps & Bees Nests – Up to £1,000

*Days allowed before property needs to be rated as unoccupied

For further information on Limits and Exclusions please click here to download the policy documentation

Optional Extras

  • Rent Guarantee
  • Terrorism Cover
  • Increase Property Owners’ Liability to a £5,000,000 LOI

Insurer Rating

Insurer Panel

AM Best

S&P

Ascot Group’s Syndicate 1414 at Lloyd’s

A+

AA