Property Owners Insurance

Professional Insurances for All Types of Property Owners

Welcome to Property Owners Insurance from AIC

Most independent High St insurance brokers have access to around 30 different insurers whilst we at AIC have over 140, that’s why our Property Insurance rates are noted as being some of the best available. Whilst price is very important we know good service is also paramount and our staff, based in our Hemel Hempstead office, are very keen to help you find the right cover which is bespoke to your business.

We pride ourselves on finding the right solution for our customers and we can quickly assess your needs with guidance on pricing, try our ‘quick quote’ button where we aim to respond within just one hour (within usual office working hours 9-5 Mon-Fri).

What does this policy cover?

Buildings (Construction)

Insuring the construction of the property is often just the starting point, but it’s very important to get this right, so speak to our team and ensure your cover is set out correctly. We have access to many insurers offering competitive rates.

Contents

Whether it’s your landlord contents for the tenant’s usage, or for your own goods in a holiday home, the value of the contents should be covered correctly. Perhaps you have contents which you don’t own but have legal responsibility for? Always talk to our team and discuss any concerns you may have.

Public & Employers, and Property Owners Liability

Ensuring all persons around a property are covered for any incidents is essential, from tenants slipping down stairs to bystanders being hit by debris in a storm, this cover protects you from financial losses which might be incurred.

Legal Expenses

Covering legal costs can be very inexpensive if cover is purchased in advance.

Rent Guarantee

Like any business protecting the source of income is sensible, and speak to our team about what cover is sometimes granted free of charge and what additional cover you might need.
What’s included?
  • Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke package of insurance around your business.

  • A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.

  • Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA

info@aicinsure.co.uk

Property Owner Insurance Solutions

Filium morte multavit si sine causa quae fuerit causa, mox
videro lorem ipsum sit dolor amet

Blocks of Flats

From small complexes to tower blocks, we have more insurers available than most other brokers, so pricing is very competitive. We don’t mind difficult to place risks, such as properties with cladding, so give our team a call.

Residential

Whether its and old family home you’ve rented out, or a specific property you’ve purchased as an investment, we have many insurers ready to offer cover at unbeatable prices.

Business Premises

Insuring a property being used for business purposes requires some consideration, and we always recommend talking to our team.

Portfolios

Whether it’s a few houses within the family, or large group of properties for both residential & commercial use, we can help. Discounts are always available from insurers for multiple property placements, and please talk to one of our team.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

Accreditations and Awards
Frequently Asked Questions
  • One of the very first questions you will be asked for an insurance quotation is your trade, as this will determine what covers you will need most. A garage fixing cars will want a motor-trade policy covering them for various customer vehicles in their control, whereas an architect may want Professional Indemnity cover to insure their advice given is protected.

    Some insurance cover may be a legal requirement such as Employers Liability for staff, or Third Party cover on any road going vehicles.

    There’s a long list of various types of policy cover available (examples and links below) and we can talk you through their purpose and cost, and feel free to call one of our friendly consultants.

  • Great question, and the insurance you need for thatched property is not that different to normal home insurance in what it covers. You still want protection for your most valuable assets being the buildings and/or contents. The real difference is which insurer will you end up with, and how much you’ll pay in premiums. Thatched properties are termed as ‘non-standard’ in the world of insurers, and there’s far less insurers willing to cover them.

    We at AIC have access to most insurance carriers willing to quote for Non-Standard homes, and we always recommend you start by having a conversation with one of our experienced staff.

    Visit our main website page for Thatched Property Cover and Quotes by clicking here.

  • There is no quick answer here, although it can be a lot cheaper than people think. For example Liability insurance for a tradesperson starts at under £75 for the year.

    Firstly you should think about the risks, and what you want to cover, plus we can help you understand what your legal requirements are, so then your able to form an idea of what your overall cover requirement is. With this information we at AIC can quickly asses cost from our vast array of insurers, to get you the best market price.

  • Some parts of cover are legal requirements, such as the Liability cover section, but most of some insurance packages are just good business sense.

    We at AIC can normally offer various cover packages, starting with just the bare bone legal requirements and then build up from there. But it’s often just as cheap to buy ‘off the shelf’ packages of cover that give a wide scope of protection for smaller businesses, than trying to isolate just what is the legal requirement. As always its best to talk to one of our friendly staff, so we can talk you through the options.

  • We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

    There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

  • Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

  • With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

    A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

  • We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

  • There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

    The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

    By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

  • Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

7 High St, Hemel Hempstead, Hertfordshire, HP1 3AA

info@aicinsure.co.uk