Landlords Insurance Glossary

Accidental damage - means visible damage which has not been caused on purpose or inevitably.

Buildings - means the insured property, patios, terraces, footpaths, swimming pools, tennis courts, drives, walls, fences, hedges, gates, fixed domestic water installation, service tanks, septic tanks, pipes, cables and central heating oil tank.

Certificate - means the document we send you that details the cover you have selected under this policy.

Contents - means domestic furniture and furnishings (excluding valuables) which belong to you and are in the insured property including televisions, satellite and radio receiving aerials, fridges, freezers, washing machines, tumble driers, dishwashers, microwaves, gas and electric cookers and meters, telephones, fixtures and fittings belonging to you, or for which you are legally responsible.

Excess - means the first part of the claim which you have agreed to bear.

Furnished - means originally contracted to let to a tenant including full or partial furniture.

Insured Property - means your private dwelling in the United Kingdom as detailed on your certificate which must be constructed with brick, stone or concrete and roofed with slate, tile, metal, asphalt or concrete. This includes domestic outbuildings used in connection with the dwelling and any private garage or outbuilding within 100 metres of the insured property.

Money - means cash, currency notes, bank notes, money orders, cheques, postal orders, National Insurance stamps, savings stamps or certificates, premium bonds, travellers cheques, travel tickets, luncheon vouchers, gift tokens, phonecards, prepaid electricity and gas meter cards and any other negotiable security which belong to you and are not used for business.

Premium - means the monthly amount you must pay for your cover under the policy.

Sanitary Fittings - means wash basins and pedestals, bathroom and kitchen sinks, bidets, lavatory pans and cisterns, shower trays, shower screens, baths and bath panels but not including swimming pools.

Schedule - means the document we send you which confirms the premiums due under your policy.

Securities - means any document or certificate which is proof of money owed.

Start date - means the date on which the period of insurance commences as stated in your certificate.

Sum insured - means the most we can pay for any number of claims caused by one incident.

Tenant - means an occupier of the insured property or any part of the insured property which must be let for residential purposes and cannot include persons seeking asylum in the United Kingdom. The total number of individual tenants occupying the insured property must not exceed six.

Type of cover - means either buildings cover, accidental damage to buildings cover, furnished contents cover, accidental damage to furnished contents, unfurnished contents cover or a combination of these as shown on your certificate.

Underground services - means underground pipes, drains, cables (and their inspection covers) for which you are legally responsible.

Unfurnished - means not originally contracted to let to tenants as full or partially furnished.

Unoccupied - means that the insured property is not lawfully lived in by a tenant.

Valuables - means items composed of precious metal or precious stones, jewellery, watches, furs, curios and works of art, computer equipment, money or portable electrical equipment other than televisions or radios.