Landlord insurance brokers - my experience

I currently insure my portfolio of properties through Alan Boswell insurance brokers. I have no grounds to complain. Of course you always want things cheaper and I would always recommend that landlords who have the time shop around to get the best landlord insurance deal. However, as well as price I've got to a stage in life that it isn't all about getting the absolute lowest price. For me it's all about service and trusted advice which is why I haven't brought any of my electrical appliances or computer gear from anywhere else than John Lewis in the last 15 years.

Quality of service - landlord insurance broker

One of my tenants has recently left one of my properties and I'm now left with an empty property.  I'm aware that under the Aviva policy I currently have that I have up to 90 days to fill my property.  However I just wanted to check out the details with Alan Boswell and I was delighted with the speed and depth of the response from young Amy:

Further to our telephone conversation this morning, I just wanted to email you some additional information.

I have referred to a colleague who commonly deals with the Ocaso policies and was advised that swapping to one of these policies would not be the best recommendation at the present moment. As tenants have just moved out, you do have 90 days of full cover to find new tenants. The cover under your current Aviva policy is much higher than the cover that you would receive from Ocaso.

After 90 days, if you are still struggling to find tenants, then we would consider looking at an Ocaso policy as they may not exceed Aviva’s cover, but would in fact exceed the restricted cover which follows after 90 days of unoccupancy. (Fire, Lightning, Explosion and impact of Aircraft).

Running the details through our system, Ocaso are quoting at £342.01 (this is not a guaranteed figure at present) which would be broken down into 12 interest free payments of approximately £28.50. So in this respect, they would be considerably more expensive than Aviva as well.

I hope this has been helpful – sorry for the delay in getting the information across to you. Please don’t hesitate to contact me if you have any questions or queries.

 
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