Property Let Terms and Conditions

You must take steps to prevent loss, damage or an accident and keep the buildings in a good state of repair.

You must tell your insurance agent immediately if you stop letting the property to a tenant. When we receive this notice we have the option to change the conditions of this insurance.

You must tell your insurance agent before you start any conversions, extensions or other structural work to the buildings. When we receive this notice we have the option to change the conditions of this insurance.

Whenever the insured property becomes untenanted it must be inspected internally and externally by either the insured or the insured’s representative at least once every seven days.


This inspection must make sure that:

  • water remains turned off at the mains.
  • the property is inspected internally and externally at least once every seven days by you or your representative and that all combustible materials are removed from the property and that the buildings and garden of the property are maintained in good condition.
  • all outside doors are securely locked.
  • all ground floor and accessible upper floor windows are securely fastened and any broken windows boarded up and repaired without delay.
  • the buildings remain free of waste materials and fuel.

Your insurance will become void if the insured property is let to asylum seekers.

The policy will be voidable in the event of mis-representation, mis-description or non-disclosure or any material facts i.e. those circumstances which may influence us in our acceptance or assessment of this insurance. If you are in any doubt as to whether a fact is material, please disclose it.


If you fail to comply with any of the above duties this insurance may become invalid.


Cancellation

If you decide that for any reason, this policy does not meet your insurance needs then please return it to your agent within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, your agent will then refund your premium in full.

If you wish to cancel your policy after 14 days you will be entitled to a pro- rata return of premium providing no claims have been made or are pending.

We shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:

  • Fraud
  • Non-payment of premium
  • Threatening and abusive behaviour
  • Non-compliance with policy terms and conditions

Provided the premium has been paid in full you will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.


Disclosure of Material Facts


You are required by the provisions of the Consumer Insurance (Disclosure and Representations) Act to take care to:

  • supply accurate and complete answers to all the questions your agent may ask as part of your application for cover under the policy;
  • to make sure that all information supplied as part of your application for cover is true and correct;
  • tell your agent of any changes to the answers you have given as soon as possible.

Failure to provide answers in-line with the requirement of the act may mean that your policy is invalid and that it does not operate in the event of a claim.


Duty of Care


You must take actions to prevent loss or damage to Your Property and ensure that Your Property is maintained in a good state of repair. All protections installed for the protection of the Building must be regularly maintained and be in use when the Building is left unattended, or when any occupants have retired for the night.


Changes in Circumstances


You must notify Us of any change in Your circumstances and in particular the use of Your Property, the cost of rebuilding Your Property or replacing Your Contents Paying by Instalments If You are paying, or have agreed to pay the premium for this policy by instalments, You must keep Your payments up to date. If You miss any payments, We will withdraw Your option to pay by instalments or We will cancel the policy (or both). If You have a claim during the current Period Of Insurance, You must pay the full yearly premium. We will deduct any premium owed to Us from any claim We pay.


Premium Adjustments


If a change to Your policy results in an extra premium of less than £10, We will not charge You. If a change to Your policy results in a refund of premium of less than £10 We will not refund the amount.


Duty of Disclosure


It is Your responsibility to provide complete and accurate answers to the questions We ask when You take out Your insurance Policy, throughout the life of Your policy, and when You renew Your insurance. Please note that if You fail to disclose any material information to Your Insurer(s) (these are facts that the Insurer would regard as likely to influence the assessment and acceptance of this Policy) this could invalidate Your insurance cover and could mean that part or all of a claim may not be paid. If You are unsure as to what facts would influence Your policy please contact Us on 028 90 410220.


UK GENERAL INSURANCE LTD PRIVACY NOTICE

 

We are UK General Insurance Ltd, referred to as “we/us/our” in this notice. Our data controller registration number issued by the Information Commissioner’s Officer is Z7739575

 

This privacy notice is relevant to anyone who uses our services, including policyholders, prospective policyholders, and any other individuals insured under a policy. We refer to these individuals as "you/your” in this notice.

 

We are dedicated to being transparent about what we do with the information that we collect about you. We process your personal data in accordance with the relevant data protection legislation.

 

Why do we process your data?

 

The provision of your personal data is necessary for us to administer your insurance policy and meet our contractual requirements under the policy. You do not have to provide us with your personal data, but we may not be able to proceed appropriately or handle any claims if you decide not to do so.

 

What information do we collect about you?

 

Where you have purchased an insurance policy through one of our agents, you will be aware of the information that you gave to them when taking out the insurance. The agent will pass your information to us so that we can administer your insurance policy.

 

For specific types of insurance policies, for example when offering you a travel insurance policy, we may process some special categories of your personal data, such as information about your health.

 

We have a legitimate interest to collect this data as we are required to use this information as part of your insurance quotation or insurance policy with us. We may also process the data where it is necessary for a legal obligation, or as part of the establishment or defence of a legal claim.

 

UK General’s full privacy notice

 

This notice explains the most important aspects of how we use your data. You can get more information about this by viewing our full privacy notice online at http://ukgeneral.com/privacy-notice [^] or request a copy by emailing us at dataprotection@ukgeneral.co.uk. Alternatively, you can write to us at: Data Protection, UK General Insurance Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.