We compare the major insurance companies to get our clients the best quotes available
...by securing the best insurance terms for their clients. We keep our overheads down and collectively our landlord members all benefit from competitive landlord insurance premiums.
Landlord Direct has access to comparison quotations from the main landlord Insurance providers currently in the insurance market, using our large client base to obtain the best policy and lowest insurance quotes we can find, so our landlords know they are getting the best insurance deal backed by a major insurance company.
Some insurance companies limit the property cover in an attempt to appear cheaper, it's always worth reading the small print to make sure landlords do not leave themselves uninsured for such things as malicious damage caused by tenants.
Most experienced landlords just want to know they have a straight forward landlord insurance policy at a competitive cost, and prefer to know they are backed by a major insurer they can trust.
Landlord Direct manages the insurance block policy carefully and we do accept high risk properties such as those occupied by Asylum Seeker. By good management we protect our insured clients from the swings in the insurance market that can occur from time to time.
Landlord Direct is run by experienced property professionals who understand landlord concerns and the legislation affecting those with property investments. This is especially true of Leasehold or RTM Flats & Apartments. This personal approach is greatly favoured by our landlord clients, who feel free to ring us to discuss their requirements or queries.
We are not a call centre, we have designated insurance staff who will discuss your requirements in a friendly and unhurried manner, will look at other savings you might make on your own home insurance, or perhaps if you have a holiday let requiring cover. Our insurance manager Puja Kapadia is experienced in many property matters, especially concerning the running of leasehold flats and apartments. Landlords find it easier to talk to somebody who understands your property business.
In the case of larger landlord portfolios, we always ring the insurer to push for the best rates possible, and we have many sizable portfolios on board with us along with many property companies and blocks of flats especially those located in the South East and London, where our rates tend to be seen as highly competitive when compared with London brokers with their higher overheads and margins.
Landlords or owners of Leasehold or Commonhold flats have a keen interest in making sure they are getting the best buildings insurance for their block. Larger blocks tend to employ a leasehold management company to organise the running of the building, and many such companies are given a pretty free hand in obtaining block buildings insurance. It is often assumed that leasehold management companies obtain discounted insurance premiums because they manage a number of different blocks...but think again !
It is not uncommon for larger leasehold management companies to receive large commission from insurance brokers and any discounts achieved are not always passed on to you the flat owners.
Not surprisingly Leasehold and Right to Manage Directors are getting more switched on regarding these cosy arrangements and are insisting their management compare buildings insurance quotations to make sure they and their fellow flat owners are getting good value for money.
The Commonhold and Leasehold Reform Act is now very established and leaseholders and owners of flats have become far better informed about their rights and are making their leasehold management companies more accountable for the expenditure they make on behalf of you the flat owner.
The Leasehold Valuation Tribunal (L.V.T) is the government's regulatory tribunal set up to deal with complaints made by flat owners who feel they are not being dealt with fairly.
Owners of flats and apartments should insist on seeking comparison quotations for their buildings insurance, and those who are managing blocks especially Leasehold and RTM Directors should take the time to compare landlord insurance for their building.
Landlord Direct have access to quotes from:
AXA, AVIVA (NORWICH UNION), ZURICH, ALLIANZ, GROUPAMA, ROYAL AND SUN ALLIANCE.
It makes sense for landlords to shop around. Landlord Direct is not a comparison site charging large fees to insurance companies to promote their policies, we are are landlords ourselves and we know through experience that a large amount of landlords approaching the insurers carries far more weight that an individual landlord trying to get the best policy and premium either through a broker or going direct to an insurance company.
We have been helping landlords to get the best insurance deals for over a decade, we have a large client base ourselves but we have also recently join forces with another large landlord client base which gives our landlords real clout in the current landlord insurance market.