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HolidayLet

Insure your holiday let property

Your Details

Please answer all questions honestly and to the best of your ability. You also have a duty to make a fair presentation of the risk to the insurer. This means disclosing all facts material to the insurance you wish to take out, that the insurer may want to know. If you do not, claims might not be paid in full or at all, your policy could be cancelled or voided without a return of premium, or an increased premium or excess may be applied.

If the policy is to be in the name of a business, please Insert your business name.
Business Name
Telephone
Will the policy be in joint names?
Please provide the name of the joint policy holder
Do you have a mortgage or loan on the property?
Please provide name and address of interested party
LA34: Unoccupancy Condition – 60 days
The following condition applies to Your Policy:
    We will not pay for any Damage at the Premises that have been Unoccupied for more than 60 days in a row unless:
  1. the Buildings are inspected internally and externally at least once every 7 days by a responsible adult and a record of these inspections is kept
  2. for the period November to March inclusive either;
    a. the water supply is turned off at the mains and all water tanks, pipes and apparatus are fully drained or
    b. a thermostatically controlled fixed heating system is used to maintain a continuous minimum temperature of 58 degrees F (15 degrees C) at all times.
LA04: Subsidence Exclusion
We will not pay for Damage caused by Subsidence, ground Heave or Landslip.
LA04: Subsidence Exclusion
We will not pay for Damage caused by Subsidence, ground Heave or Landslip.
LA32: Flood cover exclusion
We will not pay for Damage caused by flood
LA31: £2,500 Excess for Subsidence Claims
We will not pay for the first £2,500 of each and every claim caused by Subsidence, ground Heave or Landslip.
This amount must be paid by You.
LA05: Flat Roof Condition
    Applicable to Section 1 – Buildings
    We will not pay for Damage caused by storm unless;
  1. the flat roof portion of the Buildings has been inspected at least once every eight years by a builder or roofing contractor
  2. all remedial work following any inspection is completed within 60 days of the inspection
  3. You have retained evidence of the inspection and repairs
We will not pay for the first £500, or the Excess shown in Your Schedule, whichever is the highest, in respect of each and every claim caused by storm.
LA35: Restricted Cover Endorsement – FLEEA cover only
    If the Premises have been Unoccupied for more than 60 days or if building or renovation works are being carried out at the Premises, cover is restricted to Damage caused by:
  1. fire or lightning
  2. explosion
  3. aircraft or other aerial devices, or articles dropped from them
  4. earthquake
LA33: Hot Tubs, Swimming Pools and Jacuzzi extension
Applicable to Section 1 – Buildings
We will pay for Damage to any fixed Hot Tub, Swimming Pools or Jacuzzi at the Premises occurring during the Period of Insurance

The maximum amount We will pay is £10,000 for any one claim.
LA20: £1,000 Excess for Escape of Water and/or Oil Claims
We will not pay for the first £1,000 of each and every claim caused by escape of water from any tank, apparatus or pipe or escape of oil from any oil-fired heating installation.
This amount must be paid by You.
LA21: £2,500 Excess for Escape of Water and/or Oil Claims
We will not pay for the first £2,500 of each and every claim caused by escape of water from any tank, apparatus or pipe or escape of oil from any oil-fired heating installation.
This amount must be paid by You.
LA22: £5,000 Excess for Escape of Water and/or Oil Claims
We will not pay for the first £5,000 of each and every claim caused by escape of water from any tank, apparatus or pipe or escape of oil from any oil-fired heating installation.
This amount must be paid by You.
LA23: £500 Excess for Malicious Damage Claims
We will not pay for the first £500 of each and every claim caused by malicious persons or vandals.
This amount must be paid by You.
LA24: £1,000 Excess for Malicious Damage Claims
We will not pay for the first £1,000 of each and every claim caused by malicious persons or vandals.
This amount must be paid by You.
LA25: £2,500 Excess for Malicious Damage Claims
We will not pay for the first £2,500 of each and every claim caused by malicious persons or vandals.
This amount must be paid by You.
LA26: £500 Excess for Theft or Attempted Theft Claims
We will not pay for the first £500 of each and every claim caused by theft or attempted theft.
This amount must be paid by You.
LA27: £1,000 Excess for Theft or Attempted Theft Claims
We will not pay for the first £1,000 of each and every claim caused by theft or attempted theft.
This amount must be paid by You.
LA28: £2,500 Excess for Theft or Attempted Theft Claims
We will not pay for the first £2,500 of each and every claim caused by theft or attempted theft.
This amount must be paid by You.
LA29: £1,000 Excess for Storm Claims
We will not pay for the first £1,000 of each and every claim caused by storm.
This amount must be paid by You.
LA30: £2,500 Excess for Storm Claims
We will not pay for the first £2,500 of each and every claim caused by storm.
This amount must be paid by You.
LA03: Escape of Water and/or Oil Exclusion
We will not pay for Damage caused by escape of water from any tank, apparatus or pipe or escape of oil from any oil-fired heating installation.

LA08: Theft and Malicious Damage by Tenant Extension
    We will pay for Damage at the Premises occurring during the Period of Insurance and caused by:
  1. theft or attempted theft
  2. malicious persons or vandals
by Your tenants.

LA06: Accidental Damage Exclusion to Contents
We will not pay for Accidental Damage to Contents.

Please let us know the details of the property or properties you would like to insure

Property 1

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We will pre-populate your property details to get you the fastest quote. We need your agreement to do this and have sent you a validation email - please click on this email and it will bring you back to here with your property details completed

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Please continue for your quote

Confirm your property details

To make getting a quote as simple as possible, we have used a database to pre-populate certain questions and asked the Royal Institute of Chartered Surveyors to calculate rebuild costs. If you agree with the answers please proceed, if not please edit as necessary.

Property 1

21045 832 Calvin Street, MD Policy start date: 12/05/2018

The Property Is
And was built in
With external walls built with
And the main roof is made of
Cost of Rebuilding/Building sum insured
You may edit the rebuild sum insured by selecting an amount from a minimum of £75,000 to a maximum of £1,000,000.
Contents Sum Insured
You may edit the contents sum insured by selecting an amount from a minimum of £10,000 to a maximum of £100,000
Rent Receivable Total Sum Insured
Rent Receivable number of months

RICS BCIS

We’ve estimated the rebuild cost of your property using data from a variety of sources. Rebuild costs don’t include the value of the land, so in most cases it will be less than the property’s market value. The figure given is an estimate of the cost to completely rebuild your property as it currently stands. In the event that there is insufficient data available the rebuild calculation will offer an approximation of the current market value of the property. It is your responsibility to ensure this figure is correct.

The rebuild cost is based on a number of property details including;

  • The postcode
  • The property type
  • The year of build
  • The number of bedrooms and bathrooms
  • The wall and roof construction materials
  • House demolition and site clearance costs
  • Professional fees
  • Hard landscaping costs

We need to talk

All understood - you've got something about your property which means we'd like to call you and have a brief chat about it. One of our team will get in touch with you right away on a live chat, if you would prefer to receive a phone call instead please pick from the option below...

Please select any one option before continuing!

Policy Powerhouse cannot provide advice or make any recommendations, it is your responsibility to select a product that best meets your needs. The premium shown is the total premium including IPT and policy fee for all properties that you wish to insure and the product that you select will apply to all properties.
Voluntary excess amount

Selecting voluntary amount will override above cover

If you proceed with the quote and the information provided is not complete and accurate, it could invalidate your cover and result in;

  • Cancellation of your policy
  • A reduction in the amount of any claim made, or refusal to pay a claim
  • An increase in the premium charged and/or an excess being applied
  • The extent of policy cover being provided being amended

Review and confirm

Please edit/accept the Assumptions for the proposer and each property by clicking on the collapse button (/) or on the property name button.

Property 1

policy start date: 2021/08/22

The property has NO flat roof

The property IS NOT listed

The property IS in a good state of repair and will be kept so during the policy term

To the best of my knowledge, within the last 10 years the property HAS NOT been the subject of an insurance claim for subsidence, landslip or heave

To the best of my knowledge the property HAS NOT been underpinned or had foundations reinforced and there are no current signs of subsidence, ground heave or landslip.

The property HAS NOT been flooded by an outside source in the last 10 years

There ARE NO building or renovation works underway or planned to take place

The property IS self-contained with its own lockable entrance

You the policyholder, or any director or partner of the business HAVE NOT claimed on a holiday let insurance policy or suffered loss or damage which was claimed for in the last 3 years

You the policyholder, or any director or partner of the business HAVE NEVER claimed on a holiday let insurance policy for arson or liability

You the policyholder, or any director or partner of the business HAVE NOT had holiday let insurance declined, cancelled, refused or special terms imposed in the last 5 years(Was the policy declined/cancelled/refused or special terms applied due to a material fact not previously disclosed?)

In the last 5 years You the policyholder, or any director or partner of the business HAVE NOT had any CCJs, been declared insolvent or suffered a bankruptcy/IVAs or liquidations

You the policyholder, or any director or partner of the business HAVE NOT been disqualified as a Company Director

You the policyholder, or any director or partner of the business DO NOT have any unspent criminal convictions other than motoring

The property WILL NOT be left unoccupied for more than 60 consecutive days

There ARE NO swimming pools, hot tubs or jacuzzis on site

(If there are swimming pools then ‘The maximum re-build or replacement value of the swimming pool, hot tub or jacuzzi does not exceed £10,000?)

There ARE NO shared facilities on site such as children’s playground / children’s play equipment / games room / club room

You the policyholder ARE NOT aware of any facts material to the insurance you wish to take out, that the insurer may want to know in addition to what has already been disclosed in this application

If you proceed with the quote and the information provided is not complete and accurate, it could invalidate your cover and result in;
  • Cancellation of your policy
  • A reduction in the amount of any claim made, or refusal to pay a claim
  • An increase in the premium charged and/or an excess being applied
  • The extent of policy cover provided being amended
How we will communicate with you?
Policy Powerhouse provide insurance services which include policy documents, renewal reminders and up-to-date product information which is personalised and sent to you by email when needed.
Keeping you informed
We would like to send you promotions, offers, news and discounts relating to Policy Powerhouse insurance products which we believe may be of interest to you.
If you would like to receive communications about our products and promotions, please indicate below. You can always change your mind later.

We need to talk

All understood - you've got something about your property which means we'd like to call you and have a brief chat about it. One of our team will get in touch with you right away on a live chat, or if you would prefer to receive a phone call instead please pick from the option below.....

Please select any one option before continuing!

Policy summary

Payment

Please proceed below to purchase your policy

Billing Address

Subtotal

Tax (IPT - 12%)

Fee

Pay through Trustpayment

Use this method to pay yearly

Pay through Premfina

Use this method to pay monthly

APR

Loan Amount

Loan Interest

Monthly Installments

Total Payable Amount

Start Date

Payment

Cover

£ 146.45

Total

Please provide bank details.

You can elect to pay by instalments via PremFina. This provides the lowest interest rate or overall cost we are able to offer to you. Paying by instalments constitutes a loan arrangement which will be subject to a credit agreement set up with PremFina and will incur interest as displayed on the previous screen. The insurance policy is for 12 months, but the payments are over only 10 months.

Policy Powerhouse Limited acts as a credit broker, for which it receives commission.Instalment charges as shown on the previous screen apply to payment by this method, giving a total amount displayed on the previous screen which is payable through the year. This means that paying your premium by instalments is more expensive than paying the premium in full up-front. Your policy cover may cease if you fail to keep up payments on an instalment agreement or premium finance facility related to it.

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