We guarantee to beat the renewal premium or quote of any other insurer.
New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply when Landlord Emergency Cover is added. Terms & Conditions.
We provide new-for-old fixtures and fittings cover, so you can insure the fixed units such as kitchens, bathrooms and skirting boards at your property.
If the unit is damaged, we will cover the cost of repairs. If it's beyond repair, we'll cover the cost of replacing the unit. (Our maximum limit that you can insure for this cover is £50,000).
This cover is for residential properties only and is designed specifically for landlords, who own a leasehold flat in a building that's insured under a freeholder's building policy but the buildings policy excludes cover for the leaseholders fixtures and fittings.
Given an average bathroom suite alone is typically priced at £1,000, the value of fixtures and fittings in a rental property can be significant. Repairing or replacing damaged kitchens, bathrooms and fitted units can rack up high and unnecessary costs for landlords.
Fixtures and Fittings Insurance covers you if damage has been caused due to an insured event such as a fire or escape of water from a burst pipe.
Accidental Damage can also be selected as an optional extra cover, for an additional premium. So, if a tenant is cooking in the property and leaves a hot pan on the kitchen worktop resulting in burnt rings and damage to the surface, you would be covered.
This cover excludes damage to walls, ceilings, concrete flooring and floorboards, external doors and windows, pipes, cables and services.
Fixtures and Fittings cover is available if you own the flat on a leasehold basis and the fixtures and fittings are not covered under the freeholder's property insurance policy. It's an optional cover that can be added to your Landlord Insurance and is for residential properties only.
If you make a claim, we'll allocate a dedicated claims handler to look after your claim from start to finish, so your claim will get sorted with as little fuss as possible.
To make a claim click here
Access to our free 24/7 legal helpline
Access to your own specialist claims handler should the worst happen
0% interest if you wish to pay by instalments in the first year to help spread the cost. 0% APR representative, subject to eligibility, 18s and over. New customers only
No administration fees for mid-term amendments
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Direct Line insurance policies are underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds LS1 4AZ. Registered in England and Wales No 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration number 202810. The Financial Services Register can be accessed through www.fca.org.uk. Calls may be recorded.
