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    Two question regarding Landlord Insurance

    1. My landlord insurance expired 7 days ago as I completely forgot etc. Question is will the number of no claims discount continue if I take out the policy today. Property was bought in 2010 and since then it had landlord insurance.

    2. Cash back for Landlord Insurance - are quidco or TCB recommended, is payout reliable?
    Please advice?

    6 Comments

    1, yes
    2, can't advise

    so with landlords insurance they won't ask for NCD but should ask when purchased and claims in last 3/5 years (depends on insurer) they may also ask when your business was first established and this is how they rate your policy

    that said if you set it up on a historic rating structure and as such it has been capped year on year then the premium maybe based on the newest rating structure causing potentially higher or lower quotes

    I took landlord insurance with direct line last year, cost £140 but had £120 cashback through topcashback, paid after 3 months so cost £20 for the year.

    DAMNOME

    I took landlord insurance with direct line last year, cost £140 but had … I took landlord insurance with direct line last year, cost £140 but had £120 cashback through topcashback, paid after 3 months so cost £20 for the year.


    Not quite as good but £120 with Axa and £90 cashback through Quidco.

    I did this a few years back. Was told I had lost my "Renewal Discount" for not renewing on time so had to do a new policy. I was then told that even though it was more money, they could now give me a "New Customer Discount" and it ended up costing me about £15 less than my renewal! Bottom line is, don't worry about what discounts are going on, just find out what you need to pay today and crack on as there is probably not much you can do about it.

    On a side note, I was advised to avoid a few "big name" insurers from an expert friend of mine. I won't name them but check what cover they give you, especially things like malicious damage by the tenant and legal protection cover. I now go via a broker and pay a little more but get a lot more cover for my money.
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