Let covers everyday let homes as well as providing a solution for brokers finding it difficult to place or renew their client’s let home insurance.
Let can cover both the buildings and landlords contents for a wide range of tenancy types and risks:
- “Clean” and “Non Standard” risks
- All tenancy agreement periods
- Multiple tenants / multiple tenant types
- Asylum Seekers / Council Direct / DSS Benefits / Students
- Full and Part Time Working Tenants
- Portfolios
In addition to the above underwriting approach, risks can be quoted and placed on cover online through the “Quote and Buy” facility with no referral to underwriters, providing the application meets the online acceptance criteria.
Cover provided for
- Buildings
- Contents
- Accidents to Domestic Employee(s)
- Legal Liability to the Public
- Landlord’s Legal Expenses
Quote request
Already an existing Plum broker? Click the button to begin your quote request online.
Get a quote
Policy Documents
View and download the Let product summary, policy summary and policy wording here
Here at Plum we’re committed to supporting UK brokers. To helping you win and retain profitable business. Let is an important part of our delivering on that commitment.
Like all our specialist home insurance products Let is backed by our highly experienced and accessible, team of underwriters who individually underwrite each risk they are shown and it’s supported by our responsive, top quality service. So when you choose Let, you can be confident that you are providing your clients with the competitive, tailor-made protection for their possessions they require.
Why Let?
A Quote & Buy solution for UK residential landlords.
Five good reasons to choose Let:
Service – Plum has been voted an Insurance Times ‘Top 5’ personal lines insurer by brokers in 2016 and 2017. Our experienced, accessible underwriting team is at hand to assist you as required.
Cover – Let is a Lloyd’s of London approved home insurance policy with several cover enhancements. You can choose Let for your clients with confidence.
Flexibility – Our experienced underwriters are able to offer terms on a whole range of non standard landlords risks that other insurers are unable to help with.
Security – Underwriting capacity for Let is provided by Lloyd’s of London, the world’s leading insurance market. For financial strength, Lloyd’s is rated A (Excellent), A+ (Strong) and A+ (strong), by A.M. Best, Fitch Ratings and Standard & Poor’s respectively.
Expertise – Plum has been providing specialist home insurance products to UK brokers for over a decade. Let is further evidence of our strong commitment to backing brokers.
Main features of cover
Cover is provided on a “standard perils” basis, on a policy wording based on the Lloyd’s of London approved home insurance policy.
The following limits are provided automatically unless a higher limit is requested. For a full list of all the covers available, please refer to the policy wording.
Buildings
| Cover | Limit (£) |
|---|---|
| Accidental Damage to Fixtures & Fittings | Automatically included |
| Trace and access | Up to 5,000 |
| Squatters | Up to 5,000 |
| Loss of Rent | 25% of buildings / 24 months |
| Alternative accommodation | 25% of buildings / 24 months |
Contents
| Cover | Limit (£) |
|---|---|
| Accidental Damage to electronic equipment | Automatically included |
| Theft or attempted theft by tenants | Up to 10,000 |
| Contents in common parts | Up to 1,000 |
| Loss of metered water/oil | Up to 2,500 |
| Alternative accommodation | 25% of landlords contents / 24 months |
Legal Expense
| Cover | Limit (£) |
|---|---|
| Landlord’s Legal Expenses | Automatically included up to 25,000 |
Liability
| Cover | Limit (£) |
|---|---|
| Accidents to Domestic Employee(s) | 10,000,000 |
| Legal Liability to the Public | 5,000,000 |
Claims
A fair, efficient, customer friendly claims service.
We know that when a policyholder makes a claim on their policy the quality and speed of response of our claims service are the keys to maintaining customer satisfaction.
We pride ourselves on delivering a top quality claims service for our supporting brokers and their clients, looking to settle claims fairly, efficiently and consistently.
In safe hands
We understand that, in addition to being the face of our company, our appointed claims handlers and loss adjusters are representing your businesses too and therefore, we have strict controls in place throughout the claims process to help ensure your clients receive a high standard of service.
Feedback
As with every facet of our service, we are constantly seeking improvements. If you have any feedback concerning our service in this, or any other area, please click here.