One of the UK’s largest tenant referencing and lettings specialists
At Let Alliance, we put our customers at the heart of everything we do and that includes making things as easy as possible to understand.
You can always call our friendly and helpful Insurance Team on 01244 421 167 to ask any questions you may have or you can take a quick look at our ‘Frequently Asked Questions’ below and you could find the answer you are looking for.
Our Insurance team is available Monday to Friday 9am – 5:30pm and you can also email our insurance team by clicking the button below.
We’re industry specialists, so we’ve created our products just for tenants! We have two types of policy to choose from:
Up to £5,000 per claim for any accidental damage caused to your landlord’s fixtures and furnishings that you’re responsible for.
Tenants Contents Insurance
You receive the protection for your landlord’s items that you’re responsible for and cover is included for your possessions, too.
Our contents cover options start from £10,000 for perils such as fire, theft, flood or escape of water. We offer limited accidental damage, with the option to extend this to all of your items for an additional premium.
There are further optional extras too, to cover your pedal cycles out of the home and we offer different excess options.
If you’d like to start your quote, please click here.
No, we don’t ask for a list of items to insure. We offer sum insured options online from £10,000 up to £30,000* and the option selected will need to adequately protect all of your personal possessions in the home. It includes everything you would take with you if you moved home, including your furniture, kitchen appliances, curtains, clothing, televisions, electrical items and jewellery.
We’ll also ask you about any individual valuable items that you own over £1500 during the quote process.
*If sums insured above this amount are required, please call our team on 01244 421 986
Tenants Liability Insurance can reduce the risk of ‘end of tenancy’ deductions as it covers the cost of fixing accidental damage to the Landlord’s items that you’re responsible for as part of the tenancy agreement, as and when they happen.
Tenants Liability Insurance is not a replacement for your security deposit. As the cover is designed to reduce the risk of deductions from your deposit caused by accidental damage, it won’t protect you for deductions from your deposit where you haven’t paid all your rent or utility bills or don’t leave the place sufficiently clean.
For an additional premium, we offer a pedal cycles extension for any single pedal cycles up to £1,000. This covers your or your household’s bikes for loss or damage outside of the home. We’ll ask you about this during the quote process.
Yes, the possessions you keep in your garage, sheds or other outbuildings are covered for standard perils such as fire, theft and flood.
There are limits that apply in relation to theft from an outbuilding, shed or garage. Please refer to our policy wording for more information.
Our policy provides cover on a new for old basis. During the process of a claim, we will decide whether it’s most appropriate to replace, repair or offer money for your lost or damaged goods. We will always consider what route will be best, depending on the circumstances in question.
Yes, the policy includes mobile phone cover for up to £400 per claim. If you upgrade to include full accidental damage, this will include accidental damage to mobile phones too.
Some properties have security requirements to doors and accessible windows to protect you and us against loss or damage caused by theft or attempted theft. If this is a requirement for your property, we’ll inform you when you take a quote and it will appear in your policy schedule once you take a policy with us.
If your schedule shows your home needs a certain level of security, we’ll only provide cover for theft or attempted theft if the required protection is in place when your home is left unattended.
Some of the policy exclusions are:
To review a full list of the policy exclusions, please refer to our policy wording for more information.
It’s always a good idea to keep receipts or proof of purchase. If you choose the specified items option, a valuation which is no more than 5 years old is required in the event of a claim. Please refer to our policy wording for more information.
You need to notify us if any relevant circumstances change as this could impact your cover or any future claims you might need to make. For example, you’d need to let us know about a change of address or anything that would alter the answers and information you provided when you set up your cover. If you’re unsure, just call a member of our friendly team and they can be of assistance.
Yes, you’re able to call us at any time to include contents insurance or make any amendments to your cover. Call our Customer Care team on 01244 421 167 and we’ll be happy to help.
Yes, the policy is transferrable so you can take your policy with you to another rented address. Please call our Customer Care team to make this change.
Yes, the policy will be set to assumptively renew unless you tell us otherwise. If you would like to change to a non-assumptive renewal this can be completed online by clicking here.
Alternatively, you can call us and we can action this for you.
These details are held in your policy inception or renewal documents, which will be emailed to you or posted, if this is your preference.
We will issue your policy documents and correspondence to an email of your choice, or via post to the correspondence address provided to us.
Please get in touch with us if you would like this information in an alternative format.
Yes, all you need to do is give us a call and we can update your details over the phone. All our payments are collected on the 1st of each month, meaning we won’t be able to amend your payment date.
Let Alliance use Secure Hosting and Payments when taking debit or credit card details from customers. Secure Hosting has been in the payment service provider field since 1998 and in November 2009 became a wholly owned subsidiary of UPG plc. The payment card industry introduced strict data security standards (PCI: DSS) that have to be adhered to. These regulations are designed to protect cardholders’ information from fraudsters. Secure Hosting have achieved full PCI accreditation to the very highest level of PCI:DSS Tier 1 and to the latest standard 3.0
All monthly payments via direct debit are included in the ‘Direct Debit Guarantee’. It protects you in the rare event that there is an error in the payment of your direct debit and the efficiency and security of direct debit is monitored and protected by your own bank or building society.
You can email us at [email protected] or if you’d prefer to talk to us, you can call us on 01244 421 167
Yes, if you decide the policy isn’t right for you, you have a 14 day cooling off period from the date you receive your policy documents or the start date of your policy, whichever is later.
If you would like to cancel your policy, please email us at [email protected] or call our Customer Care team on 01244 421 167.
Please be aware that if you’ve made a valid claim on your policy and want to cancel it before the renewal date, you’ll be liable to pay for the remaining premiums.
It stands for ‘Insurance Premium Tax’ which is a variable rate of tax set by HMRC.
If you need to make a claim on your policy, we’ll be on hand to help you every step of the way.
You can call our claims team on 0330 333 7230. The lines are open Monday to Friday, 9am to 5pm.
If you’re the policyholder, please be aware that you’re responsible for making claims, even if you’re covering the possessions for other members of your household.
Our policies renew on an automatic or non-assumptive renewal basis and we’ll contact you regarding your renewal at least 21 days before your renewal date.
If you’ve chosen an automatic renewal and you don’t need to make any changes, you don’t need to do anything and your policy will renew automatically.
If you’ve chosen a non-assumptive renewal, you will need to contact us to renew and pay for your policy.
Don’t forget to inform us of any changes at renewal that may impact your policy.
We work very hard to provide the highest standards of customer service but we recognise that there may be occasions when problems arise, and you can help us by telling us what you think of our service. We welcome all your feedback, suggestions, compliments or complaints.
Most things can be sorted out by speaking to us directly over the phone and we can usually put matters right there and then.