LETsure

INSURANCE COVER REQUEST FORMS

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Rent & Legal Protection

Tenant Contents Insurance

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

Call us today for a quote, to arrange cover or for details of any insurance policy

INSURANCE

WitLet realise how difficult it can be to arrange insurance cover for rented property. Often cover is either very restrictive or provides more cover than is normally required, premiums and policy excesses can be prohibitive.

WitLet is an appointed representative of Lumley LETsure Ltd, Hargrave House, Belmont Road, Maidenhead, Berkshire, SL6 6TB, which is authorisated and regulated by the Financial Services authority whose FSA register number is 313817.

LETsure offer a variety of policies for landlords and tenants. Insurance cover can be arranged to suit every aspect of letting property.

LETsure offer the following policies -

Landlords Household Insurance

Rentsure Insurance (summary)

Rentsure Bronze Insurance

Rentsure Silver Insurance

Rentsure Gold Insurance

Legal Protection Insurance

Tenant Contents Insurance

(price list)

Tenant Assessment Service

Call us today for a quote, to arrange cover or for details of any insurance policies available......

                     Landlords Household^

Finding specialist insurance for rental property can sometimes be a challenge. All too often, landlords find their property not adequately covered by standard insurance policies. Landlords Household from LETsure is different - it provides comprehensive property insurance solely for the rental market.

In an increasingly litigious society, landlords cannot afford to ignore the risks or the responsibilities they have towards their tenants. LETsure specialise in providing protection specifically for the letting market. There are no unpleasant suprises when making a claim. Just comprehensive cover that protects your interests.

LETsure offers a wide range of cover including:

• Buildings and/or contents cover
• Protection against damage by tenant
• Full contents cover for furnished property
• Limited contents cover for unfurnished property
• Full cover for property unoccupied between lets (subject to conditions)
• Public and employers liability cover

More than 50,000 landlords hold policies and over £2 billion worth of property is insured with LETsure.

Landlords face unique risks when letting out property, so seeking help to protect their investment against the unexpected is a prudent step. For peace of mind, call us today for details and/or a quote.

  LETsure Rentsure^

(policy summary)

Difficulties with tenants not paying the rent means one thing - loss of income.

Redundancy, sickness and disputes can happen at any time and even the best references in world cannot predict what lies around the corner. LETsure's solution is Rentsure, designed solely for the rental market.

Rentsure is an affordable yet comprehensive policy and the insurance premium is tax deductible.

Rentsure provides income protection, assistance in dealing with unreliable tenants who have breached the tenancy agreement, specialist legal experts and cover against all types of tenants including Housing Benefit assisted tenants and students (subject to satisfactory references).

Tenants circumstances change for any number of reasons, so it's prudent to minimise the risk to your income. Rentsure offers peace of mind that rental income is protected.

Can you afford to lose monthly income? In an uncertain world, it's good business practice to obtain effective cover. With Rentsure, you can have security that your return on investment will be protected.

When problems occur, having easy access to efficient help is vital and that's what LETsure provide. Making a claim with LETsure is easy. You or your Agent can call the Claims Helpline who will quickly establish what information is required. Your Agent can handle completion of the paperwork on your behalf and should legal action be required, LETsure's specialist legal team are available at no extra cost.

                                                           Rentsure Bronze^                      

Tenants circumstances change for any number of reasons, so it's prudent to minimise the risk to your income.

We all know the problems that tenants can face - redundancy, sickness, disputes. Tenants can fall into arrears for many reasons, even those with favourable references. Can you aford to lose monthly income?

Rentsure Bronze is an affordable yet comprehensive policy. Cover is available for 6 or 12 months.

With LETsure policies, you can be assured of real security.

Rentsure Bronze covers:

• Rent and Legal Expenses to obtain possession of property
• Payment of monthly rent for a maximum of 6 or 12 months following non-payment by the tenant*
• 100% of the rent paid during the period of insurance until full and vacant possession is obtained
• Legal fees paid to evict squatters
• Accomodation costs paid up to £50 per day (£1,500 per claim until vacant possession obtained)

* Subject to policy excess (equivalent to one months rent), limits, terms and condiditons.

Rentsure Bronze provides:

• Income Proctection
• Assistance in dealing with unreliable tenants who have breached the tenancy agreement
• Specialist legal experts
• Peace of mind
• Cover all types of tenant including Housing Benefit assisted tenants and students (subject to acceptable references)

Rentsure Bronze offers peace of mind that rental income is protected.

                            Rentsure Silver^                                

Difficulties with tenants not paying the rent means one thing - loss of income.

Tenants can fall into arrears for many reasons, even those with favourable references. Can you afford to lose monthly income? In an uncertain world, it is good business practice to obtain effective cover.

Redundancy, sickness and disputes can happen at any time and even the best references in world cannot predict what lies around the corner. LETsure's solution is Rentsure Silver, designed solely for the rental market.

Rentsure Silver is an affordable yet comprehensive policy and the insurance premium is tax deductible.

Rentsure Silver covers:

• Legal expenses cover to obtain possession of property
• Payment of monthly rent for a maximum of 12 months following non-payment by tenant*

     (subject to policy excess)

• 100% of the rent paid until full and vacant possession is obtained.
• 75% of the monthly rent paid for up to 2 months once full and vacant possession is obtained until property has been re-let
• Legal fees paid to evict squatters
• Accommodation costs paid up to £50 per day (£1,500 per claim until vacant possession is obtained)
• Up to £60,000 cover

* Subject to policy excess (equivalent to one months rent), limits, terms and condiditons.

Rentsure Silver provides:

• Income Protection
• Assistance in dealing with unreliable tenants who have breached the tenancy agreement.
• Specialist legal experts
• Peace of mind
• Cover all types of tenant including Housing Benefit assisted tenants and students (subject to acceptable references)

With Rentsure Silver, you can have security that your return on investment will be protected.

                                                        Rentsure Gold^                             

Wouldn't it be great to remove some of the worry of your tenant not paying the rent? With Rentsure Gold from LETsure is can be a reality. Finding specialist insurance for rental property can sometimes be a challenge. Rentsure Gold is different -

it provides comprehensive rent and legal protection cover designed solely for the rental market.

Rentsure Gold covers:

• Up to £60,000 rent and legal expenses cover per policy
• Payment of monthly rent for a maximum of 12 months following non-payment by the tenant*
• Monthly rent is paid until full and vacant possession is obtained
• Once full and vacant possession is obtained, 75% of the rent will be paid until property is re-let, for a maximum of 2 months
• Legal fees paid to obtain vacant possession, if appropriate, and to take action against the tenants following disputes arising from their breach of the tenancy agreement
• Legal fees paid to evict squatters
• Accomodation costs paid up to £50 per day (£1,500 per claim until vacant possession is obtained)

* The maximum monthly rent is £5,000 (it may be possible to accomodate higher rents upon request to LETsure).

* Subject to policy excess (equivalent to one months rent), limits, terms and condiditons.

Rentsure Gold provides:

• Income Protection
• Assistance in delaing with unreliable tenants who have breached the tenancy agreement
• Specialist legal experts
• Peace of mind
• Access to a Legal Helpline for advise on any personal / tenancy related matters

For peace of mind, remove some of the worry that your tenant may not pay the rent. Call us to find out how little cover costs.

                                         Legal Protection Insurance^                   

Wouldn't it be grate to make monthly income from property lettings a reliable part of your business? With a legal protection policy from LETsure, it can be. With no fuss, no hassle. Just straight forward income protection when you need it.

Difficulties with tenants not paying the rent mean one thing - loss of income. Redundancy, sickness and disputes can happen at any time. LETsure's solution to this is Legal Protection Insurance. They provide flexible legal insurance cover solely for the rental market.

An affordable yet comprehensive policy, Legal Protection Insurance includes everything you would expect and more including:

• Protection of landlords legal rights upon breach of Tenancy Agreement
• Cover for legal expenses and disbursements
• Legal costs paid for disputes over unpaid rent, damage to property*, removal of squatters
• Up to £50,000 cover per annum
• Assists to trace 'gone-away' tenants

*Minimum amount in dispute to exceed £250.00

Tenants' circumstances change for any number of reasons. LETsure's legal policies offer peace of mind.

Cover is available for landlords, including those with a portfolio of properties.

Disputes with tenants can be costly and the number of court cases each year is rising. Don't be faced with the unexpected expense of solicitor's fees. Choose LETsure Legal Protection for invaluable protection for your property.

                                          Tenants Contents Insurance^             

Some tenants might be surprised to know that their landlord cannot be responsible for insuring their possessions, or that they could even be liable for any damage they cause to the landlord's goods. In order to provide peace of mind for our tenants, you can be included in our block policy which will protect your contents, possessions and liabilities in respect of the landlords' contents, fixtures and fittings.

Tenants Contents from LETsure is designed to meet most tenants' needs and covers just the sort of problems that can crop up when renting a property, including protection if you are found to be liable for injury to other people. Tenants in receipt of Housing Benefit and sharers including students may be accepted under the policy.

Tenants Contents covers:

• Accidental damage*
• Personal possessions insurance
• New for old cover
• Employers liability cover
• Personal and occupiers liability cover
• Contents covered whilst moving home if professional removers are employed
• Alternative accommodation paid** if your home becomes uninhabitable following an insured occurrence

* Optional                                 ** Up to 20% of your contents sum insured

Tenant Contents insurance price list

Tenants Liability Cover for up to £2,500 in respect of Accidental Damage to the Landlord’s contents, fixtures, fittings and buildings for which the Tenant is responsible is also (subject to a £100 excess) automatically provided within these rates.

SUM INSURED                                      6 months                                                  12 months

(All Premiums include Insurance Premium Tax)

£5,000                                                        £42.00                                                        £62.11

£10,000                                                      £52.84                                                        £105.67

£20,000                                                      £75.22                                                        £150.44

£30,000                                                      £108.78                                                      £217.57

£40,000                                                      £144.97                                                      £289.95

Persons over 50 years of age will be given a discount of 15% of the total premium. Please confirm your discount with WitLet when arranging cover.  

This discount only applies to policies where the premium due, before discount, is £45.00 or more.

Unspecified Insured sums are also available on request.

Note – Tenants Liability Cover for up to £2,500 in respect of Accidental Damage to Landlords content, fixtures and fittings is subject to a £100 excess.

Please note:  It will be necessary, as term of your tenancy agreement, for you to take out Tenant’s Contents Insurance; details attached are for a LETsure policy. You may wish to take out your own insurance policy - we require you to provide our office with a copy of your insurance certificate before commencement of your tenancy. All policies must all cover landlords fixtures and fittings against accidental damage.  

                          Tenant Assessment Service^          

When it comes to the rental business, your property is your greatest asset. So you wouldn't just hand over the keys to

a stranger. Neither would we.

Managing the risks can make letting a property simple and trouble free. Working with us makes the whole process smoother and more profitable. The Tenant Assessment Service can reduce the risk of property letting and keep your investment performing.

A standard Assessment includes the following reports :

• Credit Score
• Bankruptcy / CCJ / Court Decree
• Electoral Roll
• Risk score
• Affordability Calculation
• Maximum monthly rental limit
• Bank Sort Code verification
• Landlord / Managing Agent reference (if relevant)
• Employers reference

Knowledge is power and we never underestimate the importance of having the right information at the right time.

^ All cover is subject policy excess (equivalent to one months rent), limits, terms and condiditons. .

Behind every LETsure policy is a team of people whose expertise has been gained through years of dealing with insurance for rented property. LETsure's staff are there to offer guidance on finding the best LETsure policy - because their aim is to save you time and money.

LETsure don't just sell policies and leave it at that. Developing long term relationships with clients and partners is an important part of their business. LETsure want the best insurance solutions and assist you to make property letting as profitable as possible.

From sourcing the best LETsure cover to providing fast and effective claims handling, LETsure are with you every step of the way. So should there be a need to make a claim, you can be sure all details are taken care of.

Enjoy real security with LETsure.