Property belonging to the tenant is not insured by any policy taken by the landlord. It is the responsibility of the tenant to make their own arrangements. Under this policy, tenants can insure their own Contents whilst in the rented property.

Tenants Contents Insurance – Summary of Cover

The policy automatically includes cover for Frozen Food, Theft of keys to the property, and Loss of Metered Water and Oil. Also if the property is made uninhabitable, alternative accommodation up to a maximum of 30% of the sum insured can be claimed.

Further, under the liability section of the policy up to £2,500 can be claimed for Accidental Damage to the landlord’s buildings, contents, fixtures and fittings.

All claims are subject to a £100 excess.

Option of Personal Possessions Cover

This is an optional section available under the Tenants Contents policy.

It covers loss or damage to Personal Possessions while in the U.K, Republic of Ireland, Channel Islands and Isle of Man, and whilst temporarily removed elsewhere in the world for up to 60 days in any one period of insurance.

Two levels of cover are available being either £2,000 or £3,000.

Pedal Cycles (*£400 each), Clothing and Personal Effects (including Valuables, jewellery, watches, furs, binoculars), Musical, photographic and Sporting equipment as well as Personal Money (£500) and Credit Card liability (£250).

Single item limit of £2000 (unspecified). Must specify items exceeding £2000 in value.

The minimum premium is £60.00 + IPT.

Policies are administered by Heath Lambert Insurance Services.

Full policy details are available upon request.
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