Protect your clients from unexpected excess costs on their landlord claims
Excess payments can quickly reduce the value of a successful claim – leaving landlords out of pocket when they least expect it. Alps Landlord Excess Protection provides a simple way to protect against these costs, reimbursing the excess paid on a valid landlord insurance claim. It’s an easy addition that helps landlords maintain financial certainty and protect their investment when something goes wrong.
What’s Covered:
Landlord Excess Protection reimburses the excess payable following a successful claim under a landlord insurance policy, helping to remove unexpected out-of-pocket costs. Cover applies once the main policy has settled the claim and the excess has been paid, with protection available up to the annual claim limit shown in the policy schedule.
This straightforward cover applies to individual insured properties, ensuring landlords can confidently manage claims without worrying about excess payments impacting their finances. It’s a practical solution designed to complement existing landlord insurance and provide added peace of mind.
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Frequently Asked Questions
Will the policy cover managing agents?
This would be fine however the name on the Landlord Core Insurance must match the name on the Landlord Excess Protect policy
Can my client take out a policy if they do not hold the a core Landlords Insurance policy?
Your client must be the policyholder of the Landlord Insurance policy and they must keep the insured premises insured under a valid Landlord Insurance policy at all times.
Can this product be sold as a standalone policy?
No, this product should be sold as an add on to Core Landlord Insurance
Can these polices be used for risks outside of the UK?
The policy covers the United Kingdom where United Kingdom means England, Scotland, Wales and Northern Ireland. (not CI/IOM). Please note: This insurance is only valid if the customer is a permanent resident in the territorial limits and the insured premises is situated within those.