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PROPERTY OWNER’S GUIDE

2013

Welcome to the Commercial Express Property Owner’s Guide.As a market leading underwriting agency, we specialise in offering high quality, tailored insurance solutions to guarantee your clients are adequately protected at a competitive price.

Contents

4 - 5

6 - 7 8 - 9 10 - 11 12 - 13 14 - 15 16 - 17 18- 19

LetL t

Short TermUnoccupiedShort Term

Commercial PO

Industrial PO

Unoccupied

Landlords Contents

Economy Let

03

WHATEVER YOUR CLIENTS’ PROPERTY INSURANCE NEEDS...

HOLDS THE KEYCover in an Instant Please view full policy wordings for all specific and general exclusions

via our Broker Portal on www.ceqonline.co.uk

0504

LET - Residential Landlord’s Insurance

Inter Hannover

• PropertyOwner’sLiability£2,000,000LOIwiththeoptionto increaseto£5,000,000LOI• LossofRent20%buildingsuminsured• TraceandAccessupto£2,500• AccidentalDamagetocables&undergroundservicesupto£2,500• LossofMeteredWater

Key extensions to cover• LegalExpensesuptoalimitof£25,000withnopolicyexcess• RentGuaranteewithalimitofindemnityof£30,000• EmergencyAssistanceupto£500foremergencyrepairswithnopolicyexcess• Terrorismcover(exNorthernIreland)

Benefiting from a panel arrangement and tailored specifically for residential dwellings, our landlord schemes provide the essential components to ensure that your client’s property is adequately protected.

KEY SELLING POINTS•AccidentalDamagegivenFREEfor professional,DSS(non-referral)& students(Lloyd’s)•AlternativeAccommodationcover included(InterHannover)•Blocksofflatsacceptable•Singleflatswithinablockcanbe accommodated•Widerperilsandfullcoveroptions availableonunoccupiedproperties pendingtenants(Lloyd’s)•MaliciousDamagebytenantsupto £2,500

QUICKQUOTEFACILITYforinstantpremiumindicationsandmultiinsurercomparison

CXLet-PanelofInsurers

LetL t

hannover

LetL t

CXLet-InsurerCoverComparison Lloyd’s InterHannover

EscapeofWaterExcess £500 £250

AlternativeAccommodationcoverincluded No Yes

Buildingscover:AccidentalDamageautomatically includedforprofessionals,studentsandDSSNon-Referral

Yes No*

OptiontoextendPropertyOwners’Liabilityto£5,000,000 No Yes

PipeLaggingdiscountavailable No Yes

MaximumSumInsureduponreferral £3m £6m

*AccidentalDamageavailableasanoptionalextra

Lloyd’s

• PropertyOwner’sLiability£2,000,000LOI• LossofRent20%buildingsuminsured• TraceandAccessupto£2,500• AccidentalDamagetocables&underground servicesupto£2,500• LossofMeteredWater• Sizediscountsupto25%

0706

SHORTTERMUNOCCUPIED - Residential Insurance

TheCXShortTermUnoccupiedfacilitybenefitsfromapanel arrangement and is designed for properties left vacantfor30daysormore,offeringflexiblecoverfor3,6or9months.Thisproductisidealforpropertieseitherawaitingprobate,saleorowneroccupation.

KEY SELLING POINTS•Covercanbeextendedmid-termupto 6or9monthsdependingonoriginal coverperiod•Policieswillautomaticallylapseafter theselectedperiod•Idealforpropertiesthataregoing throughprobate,beingsoldorarebeing renovatedforowneroccupation•Upto3yearsunoccupancypriorto inceptionaccepted(Lloyd’s)

PanelofInsurers

Keyfeatures• Fire,Lightning,Aircraft,Explosion,Storm, Flood,Subsidence,Landslip,Heave• PropertyOwner’sLiability£2,000,000LOI• Upto25%NoClaimsDiscount• Unlimitednumberofflats

Keybenefits• PropertyOwner’sLiabilityextensionto £5,000,000LOI(InterHannover)• Landlord’sContentsavailable(Lloyd’s)

QUICKQUOTEFACILITYforinstantpremiumindicationsandmultiinsurercomparison

hannover

Short TermUnoccupied

Short TermUnoccupied

InsurerCoverComparison Lloyd’s InterHannover

Landlord’sContentsavailable Yes No

Buildings-Sizediscountsavailable Yes No

OptiontoextendPropertyOwners’Liabilityto£5,000,000 No Yes

Restrictiononthetermofunoccupancypriortoinception 3yrs 6mths

PipeLaggingdiscountavailable No Yes

0908

ECONOMYLET- No Frills Landlord’s Insurance

Economy Let

Feature• Upto25%NoClaimsDiscount

Key Extensions to Cover• Landlord’sContentscoveravailable• Widerperilsavailableforunoccupied properties• Liabilitycoveravailableforaccidents to domestic staff• LegalExpensesupto£25,000• RentGuaranteecoverupto£30,000• EmergencyAssistanceupto£500• Terrorism(exNorthernIreland)

OurrecentlylaunchedCXEconomyLetisanofrills Letfacilityprovidingaffordablecoverforresidentiallandlords, offering simple, straightforward protection.

KEY SELLING POINTS•Upto20%ratereductionagainstour standardCXLet–Lloyd’sfacility•Blocksofflatsacceptable•Singleflatswithinablockcanbe accommodated•Widerperilsavailableonunoccupied propertiespendingtenants•PropertyOwner’sLiabiity£1,000,000LOI

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ECONOMYCOVERStandardCXLet-Lloyd’scoverbut20%cheaperEXCLUDINGthefollowingcovers:• AccidentalDamagecovertobuildings• AccidentalDamagetosanitaryware• AccidentalDamagetoundergroundservices

• LossofMeteredWater• Subsidence,Landslip&Heave

• LossofRent• TraceandAccess

1110

COMMERCIAL - Property Owner’s Insurance

Features• PropertyOwner’sLiability£2,000,000LOI• LossofRent20%buildingsuminsured• TraceandAccessupto£2,500• AccidentalDamagetocables&underground servicesupto£2,500• LossofMeteredWater

TheCXCommercialPropertyOwner’sschemeis designed to offer protection for commercial property landlords.

Premiumsstartatjust£200fortradesincluding offices, shops, restaurants, takeaways and unoccupied properties.

KEY SELLING POINTS•Minimumpremium£200•Canaccommodatecommercialunitswith residentialsections•£2,500MaliciousDamagecoveravailable

Commercial PO

Key Extensions to Cover• AccidentalDamageavailableforalltrades except unoccupied properties• PropertyOwner’sLiabilityextensionto£5,000,000LOI• Landlord’sFixture&Fittingscoveravailable• ShopFrontGlassavailable• Terrorism(exNorthernIreland)

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1312

INDUSTRIAL - Property Owner’s Insurance

Industrial PO

Features• PropertyOwner’sLiability£2,000,000LOI• LossofRent20%buildingsuminsured• Glasssuminsuredof£2,500automatically included• Thecostofreplacingexternallocksfollowing TheftofKeysupto£1,000included• TraceandAccesscostsupto£5,000• Unauthoriseduseofutilitiesupto£10,000• Upto25%NoClaimsDiscount• BookDebtsavailable• Glass,CanopiesandSignsavailable

Key Extensions to Cover• PropertyOwner’sLiabilityextensionto £5,000,000LOIavailable• AccidentalDamagecoveravailableto buildingsandlandlord’scontents• Landlord’sContentsavailable• Terrorism(exNorthernIreland)

Thishugelysuccessfulpropertyowner’sfacility coversindustrialpropertiesbeingusedfor manufacturing, wholesale, retail or processing trades,withmorethan560tradesbeing specifically covered.

KEY SELLING POINTS•Minimumpremium£200•Canaccommodateindustrialunitswith residentialsections•Ifthepropertybecomesunoccupiedat anystageitcanremainoncoverunder thesamepolicynumber•Voluntaryexcessavailable•Sizediscountsavailable

1514

UNOCCUPIED - Commercial or Industrial Property Owner’s Insurance

Thisexclusiveproductcatersforvacantcommercial andindustrialbuildingsthatareundergoing refurbishment,renovation,pendingsaleorpurelyawaiting occupation.

KEY SELLING POINTS•Minimumpremium£200•WiderPerilscoveravailable•Ifthepropertybecomesoccupiedatany stageitcanremainoncoverunderthe samepolicynumber•Upto3yearsunoccupancypriorto inceptionaccepted•Voluntaryexcessisavailable•Covercanbeextendedtoinclude MaliciousDamage,FloodandStorm whenunoccupied

Unoccupied

Features• CoverautomaticallyincludesFire,Lighting, Aircraft,Explosion,Subsidence,Landslip &Heave• PropertyOwner’sLiability£2,000,000LOI• Upto3yearperiodforthepropertytobe left unoccupied/vacant• Upto25%NoClaimsDiscount

Key Extensions to Cover• CovercanbeextendedtoincludeMalicious Damage,FloodandStormwhenunoccupied• PropertyOwner’sLiabilityextensionto £5,000,000LOIavailable• Terrorism(exNorthernIreland)

1716

LANDLORD’S CONTENTS Insurance

Features• CoverisavailableonaNewforOldbasis forLossorDamage• CoverincludesReplacementofLocksfollowing theft of keys• LossofMeteredWater• LossofRent15%ofthecontentssuminsured

CXLandlord’sContentsprovidescoverforlandlordswho rent out partially or fully furnished houses or apartments.Arranginglandlordsinsurancecanbe a time consuming exercise, we have therefore produced a product that will easily meet your clients’ insurance requirements.

KEY SELLING POINTS•Minimumpremium£50•Flatsabovecommercialpremisesare acceptable•AccidentalDamageavailableifletto professionals•Catersfortenantsincluding professionals,studentsandthoseon unemployment,disabilityorhousing benefit,plusunoccupiedproperties

Key Optional Extensions• LegalExpensesupto£25,000• AccidentalDamageiflettoprofessional

Landlords Contents

1918

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