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Property Protection Residential is an inexpensive insurance scheme specially designed to meet the needs of property owners whose properties are either let to Professionals, Students, DSS tenants (or the like), used as holiday/second homes or are simply just left unoccupied.

The Policy is underwritten at Lloyds. If you own one of these properties, most insurers will refuse to provide you with cover, however in some cases you may find an insurer who will, but at what cost?

Vastly Increased Premiums?
Reduced Cover?
Stringent Policy Terms and Conditions?

Unlike some of our competitors, we do not charge vastly increased premiums, in fact, we believe in most cases the cost of insuring your property with us will be the same, if not less, that it would be to insure any ordinary owner occupied property.  Our cover is not reduced below that offered by all other leading insurers, (except some unoccupied properties undergoing renovation), and our terms and conditions have been specifically designed for your convenience, not ours, so that you will not have to adhere to any stringent policy conditions that will inconvenience you.

At Andrew Copeland Insurance Consultants Ltd we have been meeting the needs of property owners for nearly twenty years and class ourselves as a market leader in the field of property insurance.

In fact, we probably offer the widest cover available, but don’t just take our word for it, take a look at what we offer.

Cover Provided

Property Protection Residential will provide the following cover on all policies unless specifically stated otherwise:

• • Fire, lightning, explosion or smoke
• • Damage by aircraft
• • Storm, tempest or flood
• • Escape of water from, or frost damage to fixed water tanks, apparatus or pipes
• • Escape of oil from domestic fuel oil tanks, apparatus or pipes
• • Theft, attempted theft or hold up
• • Impact damage by vehicle, animal or train
• • Riots, strikes, civil commotion and malicious damage
• • Falling or collapse of radio and television aerials
• • Falling trees
• • Subsidence, Landslip or heave
• • Accidental damage to glass, sanitary ware and ceramic hobs
• • Accidental damage to underground services
• • Replacement locks and keys
• • Metered Water

In addition to the above perils, all our policies include the following:

• • 15% of the total sum insured for loss of rental and alternative accommodation
• • £1,000,000 property owners liability (when buildings insured)
• • £5,000,000 employers liability (when contents insured)
• • 24 hour legal advice and domestic assistance

Please note that cover stated above is a summary only, full details of the cover provided and any restrictions can be obtained from the full policy wording.

Policy Excess

Normal policy excess is £100 (£250 for unoccupied properties and DSS let properties) and £1000 for subsidence landslip and heave.

Risks Covered by Property Protection

Property Protection Residential will provide cover against the perils listed on our Cover Provided Section, if your property falls into one of the following categories:

Cover is provided for properties, which are used solely as a Holiday Home by the policyholder, the policyholder’s family, or the policyholder’s friends.

Cover is provided on the same basis as a Holiday Home, but extended to allow for lettings.

Cover is provided for properties that are used on a semi-regular basis with long periods of un-occupancy (i.e. home in London for weekday use whilst at work and left un-occupied at weekends whilst at main residence or vice versa).  Cover will also be provided for owners who live or work abroad, and only use their property whilst staying in the United Kingdom.

Cover is provided for properties, which are let or tenanted on a regular basis to any tenant except: Students, DSS referrals and Holidaymakers, all of whom are insured under their own respective sections.

Cover is provided for properties, which are left permanently unoccupied, or for long periods at a time (i.e. awaiting sale, being renovated or not in full time use).  The level of cover provided under this section varies and depends upon the general condition and state of the property.

Please contact us with full details of the property so that we may advice you of the level of cover that will be provided.

We can also provide cover for unoccupied commercial premises, again please contact us for further information.

Cover is provided for properties that are let to students whether singly or on a house share basis.  This section will also provide cover in the holiday periods if you wish to let the property to Holidaymakers, or leave it unoccupied.

Cover is provided for properties that are let to DSS referrals or for tenants having all or part of their rent paid for by the DSS.  To qualify for this cover the tenancy agreement must not be with the DSS, or under DSS control.

Cover is provided for timber construction chalets that are used as holiday homes by the policyholder, the policyholder’s family or the policyholder’s friends.

If you are in any doubt about which category will best cover your property, please contact us and we can advise you appropriately.

Should your property not fall into one of these categories, we may still be able to provide you with cover, but will require full details of the property beforehand.

Unlike other companies, we DO NOT insist on one Tenancy Agreement being in force between the landlord and all tenants on a multi-tenure property let.

As you are probably aware, seeking legal advice from a Solicitor can be very costly and time consuming.  For some people this is an expense that cannot be met, and may result in their problems remaining unresolved.

We have joined forces with one of Europe’s largest legal expenses insurers to provide every one of our clients with free legal advice, when they take a policy with us.

This part of the policy has been designed to provide a vast range of legal advice, as and when required, 24 hours a day, seven days a week, on any personal legal problem, including: Motoring, Employment, Property, consumer, accident/injury, matrimonial, probate and financial/taxation.

We also include in this cover a domestic assistance service which provides emergency assistance throughout the UK, in respect of a wide range of problems relating to: Plumbing, electricity, roofing repairs, lock repairs and replacement, glazing, heating systems, fallen trees, security services, building repairs, domestic appliances, fencing, pest control, TV aerials and satellite dishes.

The service has access to a wide panel of reputable contractors covering these and many more areas, and is also available 24 hours a day, seven days a week.

When your policy is issues you will be provided with a handy credit card sized policy containing all the information and the telephone number you require to access the service, so should you be unfortunate enough to required its use, the answer is only a phone call away.

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