Quotation Request Hiscox Landlords Insurance Hiscox Landlords Insurance Declarations: your premises Declarations: you and your business About your premises Claims Additional covers Additional information About you Notes Calculations Cover Details Hiscox Landlords Insurance This is a commercial insurance product for landlords who own and rent their residential premises to generate a rental income. Currently, we are only able to provide cover for up to ten premises under a single policy. If you have a block of multiple flats, this counts as one premises containing multiple lettable units. If this insurance will be held in the name of a company or other entity, “you” means the entity, all subsidiaries to be insured and the directors of all insured entities. If the insurance will be held in the name of any person, “you” means all persons to be insured. Any reference to building includes: outbuildings, annexes, fixed fuel tanks, landlord’s fixtures and fittings, solar panels, pipes, ducting, cables, wires and associated control equipment. Declarations: your premisesHow many premises would you like to insure?HelpWe can only provide a quote to cover up to and including 10 premises under a single policy. If you wish to insure more than 10 premises, please contact our broker partner, Gallagher, who may be able to assist.Go to Gallagher -select- 1 2 3 4 5 6 7 8 9 10 10+ If you intend to add or purchase more properties please note we will only be able to insure you for 10 properties. If you intend to add additional properties in the next 12 months you may wish to contact our broker partner Gallaghers here Do you wish to insure any single premises which: Do you wish to insure any single premises which has a total rebuild cost greater than £1,000,000?This should reflect the total cost of rebuilding or repairing the building to the condition immediately prior to any insured incident. This includes the costs of dismantling, demolishing, shoring up, complying with any statutory and local authority requirements, and employing architects, surveyors and consulting engineers. YesNo Do you wish to insure any single premises which is not let or intended to be let to a tenant for the sole purpose of residential use, from which you will earn a rental income?This product is not suitable for premises which are let for any purpose other than residential use. This includes any commercial use, other than ancillary home office use. YesNo Do you wish to insure any single premises which is likely to undergo any building work with an estimated cost of more than £25,000 in the next twelve months?You do not have to tell us if the work is for minor, non-structural alterations, repairs, decoration or maintenance only.You must tell us if you plan to extend, renovate, build or demolish any part of the buildings. YesNo Do you wish to insure any single premises which will be left unoccupied or unattended for a period of more than 90 consecutive days over the next twelve months? YesNo Do you wish to insure any single premises which has Grade I or II* status in England or Wales, or Category A or B status in Scotland, or Category A or B+ status in Northern Ireland?You must tell us if you plan to extend, renovate, build or demolish any part of the buildings. YesNo Based on the information you've provided, Hiscox cannot offer you Landlords insurance.To help you find suitable cover, we have partnered with Gallagher to provide insurance for landlords like you. To proceed, click the button below to be taken to the Gallagher website. Go to GallagherIf you do buy a policy from Gallagher, Hiscox will receive a commission. Declarations: you and your businessAre you a resident of the United Kingdom of Great Britain and Northern Ireland or a business domiciled in the United Kingdom of Great Britain and Northern Ireland?This applies to all parties to be insured on this policy, including any additional insureds or subsidiary companies. YesNo Within the past ten years, have you or any of your directors, partners or other board members, or any entities for which such persons act or acted as board members, been the subject of any insolvency process?If there is bankruptcy or an Individual Voluntary Arrangement (IVA) ongoing we may not offer a quotation. In Scotland bankruptcy is sometimes called 'sequestration' and Trust deed rather than IVA. YesNo Have you ever had any insurance or proposal cancelled, withdrawn, declined or made subject to special terms? YesNo In relation to all premises to be insured, have you made more than five claims in the last five years or does the total value of all claims in the last five years exceed £100,000? YesNo Have you ever been: disqualified from being a company directorsubject of a county court judgmentconvicted of or charged with any offence, other than a motoring offence or conviction spent under the Rehabilitation of Offenders Act 1974 or any successor legislation? YesNo Based on the information you've provided, Hiscox cannot offer you Landlords insurance.To help you find suitable cover, we have partnered with Gallagher to provide insurance for landlords like you. To proceed, click the button below to be taken to the Gallagher website.Go to GallagherIf you do buy a policy from Gallagher, Hiscox will receive a commission. Please confirm that you: own or intend to purchase all premises to be insured on the policy?Any premises which is not owned or due to be purchased by you will not be covered. Please continue with the intent of excluding that premises. YesNo ensure that each premises be insured on the policy complies with all relevant licences, including all applicable House in Multiple Occupation (HMO) and local authority licences?If unsure, you must check with your local council or authority to confirm which licensing schemes or requirements apply to the premises in question. YesNo ensure that all premises to be insured on the policy are inspected at least every six months and maintained in a good state of repair, free from any damp or mould?All inspections should be carried out by you or a person authorised by you and a written record of such inspection should be retained for a period of not less than three months after the end of the tenancy agreement.Good state of repair means:- the premises are structurally sound with no signs of mould, damp or dry rot;- the premises do not pose a danger to tenants such as exposed wiring, loose banisters, broken windows, loose roof tiles, uncovered holes in the ground; and- there have been no complaints raised by tenants over the condition of the property YesNo Is the tenancy agreement relating to each lettable unit always held directly between you or your managing agent and the tenant?A lettable unit is a room, or rooms, within the insured premises which is separately occupied, or is capable of being separately occupied, by a tenant. This does not include any shared or communal areas. Lettings are only made on the basis of either: an assured tenancy or a regulated tenancy (excluding company lets) or an assured shorthold tenancy in England or an occupation contract in Wales YesNo Unable to QuoteWe're unable to offer a quote based on the information you shared.Please let us know if the situation changes, and we'll be happy to help. About your premisesProperty details What is the postcode of the premises? (SELECT ADDRESS) Help If the premises is a block of multiple flats, please amend the risk address to reference all lettable units, e.g. 1-4 The Street or 1a - 1d The Avenue. UDPRN UPRN Organisation Line 1 Line 2 Town/City County Postcode Enter address manually or Enter address manually Use address lookup What is the estimated total rebuild value of this building? HelpThe rebuild value of each individual premises must not exceed £1,000,000 and should include the costs of dismantling or demolishing the building, complying with statutory requirements and professional fees e.g. architects £ What is the type of premises? HelpPlease note, we are only able to provide cover for the property types listed under this question. If your property type does not appear, we cannot provide you with cover. -select- Terraced House Semi-Detached House Detached House Block of Flats/ Block of Maisonettes (Purpose built) Block of Flats/ Block of Maisonettes (Converted) Individual Flat/ Maisonette Bungalow What year was the premises constructed? -select- Pre 1800 1800-1939 1940-1989 1990-1999 2000-2009 2010-2019 2020+ Is the premises an HMO? HMO or House in Multiple Occupation is defined as a premises in which at least three tenants live, forming more than one household and sharing toilet, bathroom or kitchen facilities. YesNo Does the premises consist of any bedsits? A bedsit is defined as any self-contained unit with bed, living area and kitchen in the same room. YesNo How is the premises occupied? Please select all which apply HelpProfessional / retired residential: premises occupied as accommodation by working or retired tenants, including those who may receive an element of tax credit "top up". Student residential: premises occupied as accommodation by students. DSS / benefit assisted residential: premises occupied as accommodation by tenants in receipt of benefits such as Jobseekers Allowance, Income Support or Universal Credit. Local authority / housing association: premises occupied as accommodation by tenants who have been provided social housing by a local authority or housing association. Refugees / asylum seekers residential: premises occupied as accommodation by tenants who have left their home country as political refugees and seek asylum in another. Care / support accommodation: premises occupied as sheltered housing or a care home. Commercial: premises occupied for the purposes of conducting any commercial or business activity, other than ancillary home office use. Professional / retired residential Student residential DSS / benefit assisted residential Local authority / housing association Refugees / asylum seekers residential Care / support accommodation Commercial Commercial and residential Please select how the premise is occupied Is the premises predominantly constructed of brick, stone or concrete and roofed with slate, tiles, concrete, metal or any other non-combustible material? If there are any composite materials used in the construction of the walls or roof of the premises please answer 'No'. YesNo Which of the following materials are the upper floors of the premises constructed with? -select- Timber Concrete How many lettable units are there in the premises? HelpA room, or rooms, within the insured premises which is separately occupied, or is capable of being separately occupied, by a tenant. This does not include any shared or communal areas. How many bedrooms does the premises have? HelpInclude all rooms in the premises which were originally designed or converted as bedrooms, even if they are not currently used as a bedroom, e.g. a study or home office. -select- 1 2 3 4 5 6 7 8 9 10+ How many bathrooms does the premises have? HelpInclude all en-suites and rooms with a bath and/or shower and/or a toilet. -select 1 2 3 4 5 6+ Has the premises previously suffered any damage as a result of subsidence, landslip, heave, structural movement or ever been subject to any structural repair? You must tell us if your premises (including any garages and outbuildings) has been affected by subsidence, heave or landslip, or shows any sign of cracking to any wall.Subsidence is downward movement of the ground under your premises.Landslip is downward movement of sloping ground.Heave is upward movement of ground under your premises. YesNo Has the premises ever previously flooded? You must tell us if any part of your premises has been flooded from an outside source, such as a river, watercourse, burst water mains, rising ground water or surface water.Water leaking from any pipe or tank inside the premises is not a flood. YesNo Is the premises let to tenants as furnished? Furnished means the provision of household goods such as furniture, soft furnishings, white goods, audio and visual equipment, outdoor furniture and heaters. This does not include landlord’s fixtures and fittings, such as fixed lights, bathroom suites, fitted kitchen units, fixed floor coverings, fixed glass, integrated radiators, boilers and similar appliances. YesNo Do you want to add cover for the contents at the premises? Contents cover is designed to protect the household goods you provide for your tenant at the property. YesNo What is the estimated new-for-old replacement value of all contents at this premises? HelpThe contents sum insured should represent the new replacement cost of such goods including furniture, soft furnishings, white goods, audio visual equipment and outdoor furniture and heaters. It does not include fixed lights, bathroom suites, fitted kitchen units, fixed floor coverings, integrated radiators, boilers and similar appliances, or fixed glass in windows, doors or fanlights which should be included within the sum insured for buildings. £ Hidden / Calculation Questions Buildings Postcode no space Post Code Two Letters JBA score ***If score is 999 then postcode was not found in JBA lookup*** Buildings area Subs GSSS Loss of Rent Cover Limit Contents Contents area Index linking Index linking date Buildings index linking Contents index linking Index linking last applied Flood excess £ Subs excess £ FLEA cover Remove strom cover Remove flood cover Remove subs cover Remove EOW cover Use of heat condition Interested party Interested party name Flat roof condition XML Calculations Buildings MAIN Buildings MAIN Gross Buildings Buildings Gross Contents Contents Gross POL Loss of Rent Property Type Year Built MTAs Buildings MTA POLMTA LORMTA ContentsMTA Add new premises ClaimsIn relation to any premises, have you suffered any claim or loss in the last five years which may have been covered by this insurance had it been in force?Please note, if the date of occurrence of the intended claim is within the first 90 days of the first period of insurance and the tenancy began prior to the start of the policy, unless an equivalent policy was previously in force then the claim will be declined. YesNo Please provide details of all claims and losses in the last five yearsHelpYou do not need to tell us about any claim which was declined, repudiated or settled at nil by the insurer. First Line of AddressDate IncurredPolicy SectionClaim ReasonAmount Claimed 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2020 2021 2022 2023 2024 2025 - select - Buildings and ContentsProperty Owner Liability - select - Accidental damage or lossBodily injury to third partyDamage to third party propertyEscape of water or oilFalling trees, aerials or mastsFire, smoke, lightning, earthquake or explosionFloodFreeze or snowImpact by animal, craft or vehicleMalicious damage or vandalismPollutionProperty damage and bodily injury to third partyRiot or civil commotionStormSubsidence, heave or landslipTerrorismTheft or attempted theft £ Additional coversDo you wish to include cover for Landlords legal protection?Landlords legal expenses insurance could cover a number of different issues, including:- repossession of a premises from tenants;- property damage disputes caused by tenants;- eviction of squatters living in a premises without permission;- rent recovery where payment is overdue by more than a month;- legal defence criminal prosecutions relating to the letting of a premises or defence of an appeal under disability discrimination legislation. It also provides access to a legal advice helpline and our legal document drafting service, for advice and information on a range of personal legal issues. YesNo Do you always obtain a detailed inventory of the contents and condition of each premises (with supporting photographs) which is signed by the tenant?Each item listed in your inventory should have a brief description of its condition and accompanying photographs where appropriate. YesNo Do you keep clear and up to date rental records? YesNo Do you wish to include cover for Emergency call-out?Emergency call-out insurance is designed to provide an emergency fix in order to prevent damage or further damage to the premises, to make it secure and/or relieve unreasonable discomfort for your tenants. YesNo Do you wish to include cover for malicious damage by tenants and accidental damage to the contents?This additional cover will protect you if any furniture, soft furnishings, white goods or AV equipment which you provide for your tenants suffer damage which is caused by any person by accident or are maliciously damaged or stolen by any tenant. YesNo Do you have any employees?This includes: - any directors or partners, - those employed by you under a contract of service or apprenticeship, - those hired to or borrowed by you, - any self-employed individual working on a labour-only basis under your control or supervision, - any individual engaged under a work experience or training scheme, - any voluntary helpers. YesNo Do you wish to include cover for Employers' liability?Employers’ liability insurance protects against the cost of settling or defending an employee claim of accidental injury or disease because of the work they do for you. It covers anyone working for you in connection with your business, including voluntary helpers and those who are self-employed working on a labour-only basis under your control or supervision YesNo Do all of your employees only carry out cleaning, caretaking, gardening and/or desk based work for you? YesNo What is the estimated total annual wage roll for all of your employees?HelpThis is the total amount of money your business pays out in salaries, wages and bonuses to direct employees and self-employed contractors. The total should include your salary, if you take one, and that of any other directors or partners, but not any dividends you pay to yourself or anyone else. If you are unsure, please use an estimate £ Do you know your ERN number?HelpAn ERN or Employer Reference Number Number is a unique reference number issued in the United Kingdom by His Majesty's Revenue and Customs (HMRC) to an employer. -select- Yes No Exempt What is your ERN number? Do you have an exemption reason? -select- All employees earn below PAYE threshold Organisation registered outside England, Scotland, Wales or NI Organisation has no paid employees EL cover cancelled during FCA transition period No In respect of Employers' liability, have - you, or - any past or present director, partner, principal or manager ever suffered any claim or loss which would fall within the scope of the proposed insurance? YesNo Are you aware of any fact, circumstance or incident which is likely to give rise to a claim under this insurance?Examples of circumstances which may give rise to a claim under this insurance include: - any pre-existing damage or likelihood of imminent damage to the premises, - anything which has caused or is likely to cause injury to any tenant or visitor to the premises for which you may be held liable, - any threat to withhold any rental payment by a tenant of yours. YesNo Additional informationDo you want to increase the minimum standard excess which applies to claims for damage to buildings from £250 in order to reduce your insurance premium?HelpThe excess is the first amount of any claim for which we will not pay. The minimum standard excess for most premises damage claims is £250. Claims for subsidence and escape of water are usually subject to a higher amount. £250 £500 £1,000 £2,500 £5,000 Do you want to increase the minimum standard excess which applies to claims for damage to contents from £250 in order to reduce your insurance premium?HelpThe excess is the first amount of any claim for which we will not pay. The minimum standard excess for most contents claims is £250. £250 £500 £1,000 £2,500 £5,000 Please choose a date for cover under the policy to start within the next 45 days 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2025 About youAre you seeking cover as a business entity?Business entity refers to the legal structure or form under which a business operates, including limited companies, limited liability partnerships, community interest companies, public limited companies (PLCs) and others. YesNo Please tell us the type of business entity which you are defined asHelpThe choice of business entity determines factors such as liability, taxation and governance structure. It is important to select the appropriate business entity type for your business -select- Association Charity Club Community Interest Company Limited Company (LC) Limited Liability Partnership (LLP) Partnership Public Liability Company Sole Trader Other Residential Management Company Trust Company Name Does any subsidiary company of yours have an interest in any of the premises to be insured on this policy? YesNo What is the name of the subsidiary company(ies) to be insured? Subsidiary company name Title (Contact Person) First Name (Contact Person) Surname (Contact Person) Title First name Surname Does any other individual have an interest in any of the premises to be insured on this policy? YesNo Additional policyholders TitleFirst nameSurname Email addressHelpWe capture this information in order to send your policy documents and contact you in the event of any change to your policy Email Email enter again Correspondence address UDPRN UPRN Organisation Line 1 Line 2 Town/City County Postcode Enter address manually or Enter address manually Use address lookup Contact numberHelpe.g. 07700900000 Additional NotesAdditional Notes CalculationsRate version Document version Address Address No Spaces Address Two Letters MP Calculations Total Buildings SI Total Contents SI Total Loss of Rent MP Property Count Employers liability Employers liability LOI £ Wageroll co-efficient £ Property owners liability Add POL terrorism? Home emergency Total lettable units Home emergency base premium £ Home emergency loading £ Legal expenses Legal expenses base premium £ Legal expenses loading £ General terms and conditions Landlord definitons Insured property wording POL Wording EL Wording Legal protection wording Home emergency wording ARAG Reference XML Calculations Total Buildings Gross Premium Total Contents Goss Premium Total Loss of Rent Gross Premium Total Property Owners Liability Gross Premium Direct Debit Number Direct Debit Sort Code Direct Debit Name Direct Debit Collection Day Direct Debit IBAN Policy ID Record Type Record ID Annual Policy Premium Annual Policy Premium with IPT XML MTAs Days On Cover Remaining EL MTA LE MTA HE MTA Annual MTA Cover Details Set XML Adjustment £ £0.00 Set XML Adjustment £ £0.00 Set XML Adjustment £ £0.00 Set XML Adjustment £ £0.00 Total Premium (Net) £0.00 + IPT @ % £0.00 + Policy Fee £ £0.00 Total Premium £0.00 Total Commission £0.00 (Due From Broker) £0.00