Are the walls of your property constructed of brick stone or concrete?

Please confirm the construction of the pitched roofed portion of your property?

Please select from the list, the construction material of the pitched roof. If the roof is covered with asphalt please confirm the construction type beneath the covering.

Please state what percentage of your roof is flat?

What percentage of the roof (over the entire ground floor area of the property) is flat and not pitched.

Please confirm the construction of the flat roofed portion of your property?

Please select from the list, the construction material of the base of the flat roof. If the roof is covered with asphalt please confirm the construction type beneath the covering.

Please confirm the construction of the ground floor?

Please select from the list the construction material of the ground floor of the property.

Please confirm the construction of the other floors?

Please select from the list the construction material of the upper floors of the property.

Is the property used solely for domestic purposes?

Is the property, including garages and outbuildings, used solely for domestic purposes and not for any trade or business use, other than for letting, by you or anyone else sharing the building.

Is the property in a good state of repair, will it continue to be well maintained and is it situated amongst properties that are well maintained?

A well maintained property is one without structural problems such as dry rot, rot or infestation requiring timber or window replacement, damp, roof or chimney stack damage, faulty wiring or incomplete construction.

Is the property in an area free from flooding and not unduly exposed to storm?

Is the property in an area free from risk of flooding from overflowing rivers, canals, heavy rains or inundation from the sea?

Is the property within ¼ of a mile of the nearest river watercourse or sea?

Is the property to be insured within ¼ mile of any river, stream, reservoir or sea?

Has or is the property showing any signs of movement or subsidence?

Has there been any sinking, settling or movement of the land on which property is situated. If you have a recent surveyors report or mortgage valuation report, you should find the information there.

Have you had property insurance claims at this property?

Please tick yes if you have previously made a property insurance claim at this property regardless of whether the claim was settled or not.

Have you ever been declined insurance or offered any special terms?

Have you ever been refused insurance or had special terms imposed by any insurer in respect of any previous property insurance application. If 'yes' we will require full details to be able to provide a quote.

Is the property a listed building?

Is the property designated a listed building by English Heritage or other equivalent or relevant authority? If so please select status.

Is any part of the building let to domestic tenants?

Is any part of the property to be insured occupied on a residential basis by either yourself or a domestic tenant.

If you let to domestic tenants please advise tenant type?

Working: Tenant in paid employment where the tenancy agreement is with the landlord or the Landlords Managing Agent

Retired: Retired tenant where the tenancy agreement is with the landlord or the Landlords Managing Agent

Student: Student tenant where the tenancy agreement is with the landlord or the Landlords Managing Agent. In the case of a shared property there is normally only one tenancy agreement in place.

Unemployed Housing Benefits: Tenant resident at the address who is claiming State Housing Benefits where the tenancy agreement is with the landlord or the landlords managing agent

DSS Referral: Where the tenancy agreement is with a Housing Association, Local Authority, or similar organisation.

Asylum Seeker: Asylum Seeker tenants where the tenancy agreement is with a Housing Association, Local Authority, or similar organisation.

Is the property a weekend or holiday home?

Do you let the property on a short-term basis for weekends or holidays?

Do you let this property?

Is the property to be insured let or to be let to tenants.

Have you had any property insurance claims at any other property in the last 5 years?

Please tick yes if you have had any property insurance claims at any other property you have owned in the last 5 years, either occupied by yourself or let to tenants.

Have you had any insurance claims at this property in the last 5 years?

Please disclose full details of any claim made at this property if proceeded with or not.

Is the property currently occupied?

Is there a business currently trading from the property either run by yourself or by a tenant.

Will the property continue to be occupied for the the next 12 months?

Do you know of any reason why the property will not remain occupied for the next 12 months

Is the property due to undergo alteration, repair or renovation within the next 12 months?

If the property is to undergo alteration, repair or renovation within the next 12 months, please tick yes and provide further details.

Is there a direct tenancy agreement between the landlord and all of the tenants?

The most common tenancy types in the UK are the assured and assured shorthold tenancy in England and Wales and short assured tenancies in Scotland:

Is any part of the property in bedsits?

Bed-sits are defined as multiple living units of usually a single room with its own lockable door within a larger property. There are usually limited cooking facilities in the individual rooms; toilets and bathrooms are normally shared. Individual tenancy agreements are in place.

If any part of the property is in flats please state number of flats:

A flat is a self contained living area within a larger property . A flat would usually have its own individual cooking and bathing facilities not shared with others.

Is the property occupied by tenants under an agreement of more than 4 weeks but less than six months?

If the property is to be tenanted, please tick yes if the tenancy agreement is to run for less then 6 months but more than 4 weeks.

Have you ever been convicted or cautioned with any criminal offence, other than driving offences?

Please tick yes if you have been convicted or cautioned with a criminal offence, other than driving offences. If yes, please provide full details.

Is the property you occupy in bedsits or shared?

Bed-sits are defined as multiple living units of usually a single room with its own lockable door within a larger property. There are usually limited cooking facilities in the individual rooms; toilets and bathrooms are normally shared. Individual tenancy agreements are in place.

Shared Accomodation is defined as non-related individuals or more than one family unit sharing a property. All bathing and cooking facilities are normally shared and there would normally be only one tenancy agreement in place.

Does your property have minimum security?

To comply with minimum security standards the property to be insured must have 5 lever mortise deadlocks or the manufacturers key operated integral multi-point locking system on all exit doors. All accessible opening windows and any other ground floor openings to the home measuring more than 22.5 cm x 22.5 cm (9”x9”) must be secured by key operated window locks except those in occupied bedrooms at night.

Have you sustained any loss during the last 3 years, whether or not a claim was paid that would have given rise to a claim under this or a similar policy?

If yes, please provide details.

Have you had any disputes with tenants previously?

Have you previously had any dispute with a tenant over unpaid rent or rent arrears, even if the matter was resolved without legal proceedings.

Are you aware of any existing problems that could give rise to a claim under this policy?

If there are any pending or existing problems, which may arise in dispute, you must disclose on your application.

Is there a Short hold Assured tenancy agreement in place with all tenants that complies with all the requirements of current legislation and statutory requirements?

The most common type of tenancy agreements are the Assured Short hold Tenancy Agreement and the Company Let.

Do you reference all tenants and guarantors using a professional referencing agency before granting the tenancy agreement?

All tenants and guarantors must be referenced using a professional referencing agency before granting the tenancy agreement in order to make a claim on this policy.

Do you collect one months rent in advance and a dilapidation bond and ensure funds are cleared before allowing occupation?

In order to make a claim on this policy you must collect one months rent in advance and a dilapidation deposit before the property can be occupied by the tenant.

Do you keep a full record of all rents received and due?

In order to make a claim on this policy you must keep a full record of all rents received and due.

Is the property occupied solely as a residential property?

Is the property, including garages and outbuildings, used solely for residential purposes and not for any trade or business use, other than for letting, by you or anyone else sharing the building.

Have you ever had insurance cover declined, cancelled, refused to continue or agreed to continue only on special terms?

If 'yes' we will require full details.

Occupied on a regular basis, i.e. not left regularly unoccupied during day or night?

If your tenant leaves the property during normal working hours, this is still considered occupied on a regular basis

Is the property of standard construction?

- Is the property constructed of brick, stone or concrete and roofed with slates, tiles, concrete, asphalt or metal.

If the property is let please select the tenant type, if not please select owner occupied.

Working: Tenant in paid employment where the tenancy agreement is with the landlord or the Landlords Managing Agent.

Retired: Retired tenant where the tenancy agreement is with the landlord or the Landlords Managing Agent.

Student: Student tenant where the tenancy agreement is with the landlord or the Landlords Managing Agent. In the case of a shared property there is normally only one tenancy agreement in place.

Unemployed Housing Benefits: Tenant resident at the address who is claiming State Housing Benefits where the tenancy agreement is with the landlord or the landlords managing agent.

DSS Referral: Where the tenancy agreement is with a Housing Association, Local Authority, or similar organisation.

Asylum Seeker: Asylum Seeker tenants where the tenancy agreement is with a Housing Association, Local Authority, or similar organisation.

What is the total annual rental income of this property?

How much rent do you receive per month from the property.

Type of tenancy agreement?

Please select from the dropdown box the type of tenancy agreement in place at this property.

Has the tenant passed a tenant reference?

Has the tenant been referenced by an approved referencing company.

What is the monthly rental amount?

How much rent do you receive per month from the property.

What type of property do you wish to insure?

A house is a self-contained living unit; it may be terraced, semi-detached or detached.

A flat is one self-contained living unit within a larger property, this may be part of a purpose built or converted property.

A purpose built block of flats is a purpose built structure containing multiple self-contained living units.

Personal possessions cover

Do you want to cover your personal belongings whilst they are outside the home, or when you go on holiday. If yes, please select the level of cover you require.

You have obtained 2 forms of identification one of which contains a photograph

As part of the tenant referencing process you must have obtained 2 forms of ID, one of which contains a photograph.

Do you insist upon obtaining a satisfactory credit reference before granting a tenancy agreement

Your tenant must have been referenced from an authorised referencing agency.

What is the total annual rental income of this property?

How much rent do you receive per month from the property.
Please leave empty if unoccupied or owner occupied.

Has the property previously suffered damage due to subsidence, heave, landslip or flooding?