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Being a landlord is a big responsibility and a big investment, so you want all the support you can get.
Saga has partnered with Uinsure to provide wide-ranging Landlord Insurance that's Defaqto 5 Star rated and full of reassuring cover to protect both you and your property.
Landlord Insurance is provided by Uinsure. Uinsure's policies are underwritten by a panel of carefully selected insurers who each submit a quote based on your details. They provide the same insurance cover, but only the one with the best price is offered to you.
Uinsure is registered in England and Wales No. 06046870. Authorised and Regulated by the Financial Conduct Authority No. 463689.
This covers damage caused by things like fire, storm, subsidence, flood, and theft.
If there’s a major incident like a fire or a flood, we’ll cover the cost of temporarily rehousing your tenants (up to 20% of the buildings sum insured).
Choose the level of cover you need for the items in the property owned by you, including flooring, free-standing appliances and furniture.
Unlimited legal advice and up to £100,000 to cover the cost of any legal fees to do with your property. This can also include rent guarantee cover at an additional cost.
We'll repair or replace things you or your tenants accidentally damage as well as things maliciously damaged by the tenant (up to sum insured).
Get prompt assistance from professionals to help with household emergencies to make things easier for you and your tenants. You get unlimited claims with cover up to £1,000 (inc VAT) per claim.
Property insurance for landlords protects properties that you rent out to tenants. Unlike home insurance, it covers the extra risks that come with renting out a property.
It’s your responsibility as the owner to take out landlord insurance cover for your rental property.
As you don't live in the property, you need cover designed specially for renting it to others. This is because:
Plus, while it’s not a legal requirement, mortgage lenders will often insist on buildings cover. If you're living in a mortgaged property, you'll need to talk to your mortgage provider if you want to start renting it out.
Here are some examples of things we can't cover. But make sure you check your policy for more details:
Here are some tips on keeping your tenants and property safe:
Hire a property manager – a property manager can conduct spot checks, visit the property while it’s vacant and help with a range of other issues.
Check the locks – locks installed before 2008 can be vulnerable to a common burglary method called ‘lock bumping’, so it’s safer to update them to more modern ones with sturdier mechanisms.
Windows – consider upgrading any older, wooden windows to modern UPVC. Not only will this make them more secure, but it could also improve your property’s energy efficiency rating.
Property inventory – full inventory checks should be carried out at the start and end of the tenancy, so you can document the condition of your rental property and everything it contains. This document can also come in handy if you ever need to make a claim.
Security system and cameras – security measures like these are a great way to help give you peace of mind and your tenants added safety.
Keep keys safe – keep up to date with who has a key for the property (tenant, property manager, yourself, etc) and make sure when tenants leave, they always return the keys.
Screen tenants – ask for employer and character references from potential tenants to make sure they’re the right fit for your property.
Secure all outbuildings – don’t forget to make sure your shed or garage has safe and reliable locks on them to prevent theft.
Add lighting – porch lights that illuminate the exterior or motion sensor lights can help your tenants feel safe and is one of the cheapest and easiest ways to prevent crime.
Before you make a claim, please look at your policy documents to make sure you’re covered for the event in question.
You will find the claims telephone number(s) within your policy documents. Lines are open 24 hours a day.
You can get the claims process started using the online contact form and someone from the claims team will get in touch with you.
For legal protection and/or rent guarantee claims please call 0330 912 8861, open Monday to Friday from 9am-5pm.
For Landlords Emergency Cover claims please call 0330 174 9579, open 24 hours a day 365 days a year.
It’s simple to make any changes to your policy. Just get in touch with the Uinsure customer service team on 0344 844 3844. They are available Monday to Friday from 9am-5pm.
There is no admin charge just to make a change to your policy.
If you want to cancel your policy, please contact the Uinsure customer service team on 0344 844 3844. Lines are open Monday to Friday from 9am-5pm.
There is no cancellation fee and you will get a full refund if you cancel within 14 days of your policy starting.
You can cancel at any other time if you've not made a claim on the policy and nothing has happened that could lead to a claim. You will be entitled to a partial refund of any premium based on the remaining time left on your policy.
You will not receive any refund if you've made a claim or something has happened that could lead to a claim. And there are no refunds for optional extras such as Home Emergency or Legal Protection after the first 14 days of your policy.
You can read our Landlord Insurance policy booklet and Landlord insurance product information document (IPID) online.
In the event of a claim, firstly please check your policy documents to make sure that you are covered for the type of claim. Then call RSA as soon as you can, so your claim can be dealt with straightaway on 0800 027 1357.
At Saga, we aim to offer a quick, straightforward and stress-free service. Our claims lines are open 24 hours a day, 365 days a year. Our claims process is simple with no need to complete any forms in most cases.
For legal protection claims please call 0800 302 9012, open 24 hours a day 365 days a year.
For home emergency claims please call 0800 092 1426, open 24 hours a day 365 days a year.
If you need to make an immediate change to your existing cover, call Saga on 0800 027 1355, open Monday to Friday from 8.30am-7pm and Saturday from 9am-3pm.
There is no admin charge to make a change to your policy. If relevant, we'll pass the information to Uinsure to make sure you get an accurate quote on your landlord cover when it's time to renew.
If you need to make a change to your Saga policy shortly before it's due to end, you should also tell Uinsure about the change so your renewal quote can be updated.
If you want to cancel your policy, you can call Saga on 0800 027 1355, open Monday to Friday from 8.30am-7pm and Saturday from 9am-3pm.
You may be entitled to a refund for the time remaining on your policy, provided that no claim has been made during the current policy year.
As a Saga Landlord Insurance customer, you can view your policy documents and update contact preferences in your MySaga account.
You can set up a MySaga account easily with the email address you used when getting your quote and creating a password.
Around 3-4 weeks before your renewal, you’ll receive a renewal letter about our new Landlord Insurance, provided by Uinsure. We’ll pass your policy information and contact details to Uinsure so they can prepare the quote.
If you don't want us to to pass your details to Uinsure, please let us know as soon as possible.
Saga has partnered with Uinsure to provide its Landlord Insurance. Uinsure is a trusted and experienced provider of landlord insurance, which has been rated 5 Star by Defaqto since 2014. Uinsure’s customers have given over 2,000 reviews resulting in an Excellent rating on Trustpilot.
Along with high levels of cover, Uinsure also provides excellent customer service.
Uinsure has secured the services of a number of leading UK insurers to provide its landlord cover. This panel of insurers all return a quote to Uinsure based on your policy requirements. Uinsure then uses the insurer who has offered the lowest price to underwrite your personal policy.
Uinsure only has one landlord policy, so each insurer on its panel offers the exact same level of cover but competes on price. This means no matter your underwriter, your cover is always the same high quality.
Whether you're getting a quote for the first time or are up for renewal, the same process is followed so you get the best price they can offer every time.
You can pay the total amount when you take out your policy using a credit or debit card.
If you prefer, you can pay monthly by Direct Debit which will include an interest charge for credit.
There's plenty to explore and learn about our wide range of insurance cover.