Agility... The new standard in non-standard property insurance
Risks with a high loss ratio
Keelan Westall can place risks that have not had claims exceeding £10,000 in the last five years excluding subsidence, arson, flood and liability.
Tenants
- Asylum seekers
- DSS – Landlord and Council
- DSS – Tenant and Landlord
- Students
Buildings*
- Private dwellings let to professionals
- Holiday homes (UK only)
- Single flats and blocks of flats (wooden and concrete floored) (UK only)
- Bedsits – no more than ten
*We are able to place risks situated within Northern Ireland
Unoccupied cover
Three options to choose:
Level 1
- Fire and resultant smoke damage, lightning, explosion, earthquake and aircraft and other flying devices falling from them
- Property Owners Liability
Level 2
- Fire and resultant smoke damage, lightning, explosion, earthquake and aircraft and other flying devices falling from them
- Storm, Flood or Weight of Snow
- Collision by vehicle or animal
- Breakage or collapse of fixed radio & television aerials, satellite dishes and their fixtures and fittings
- Subsidence or heave of the site upon which the buildings stand or landslip.
Subsidence is not covered if the property to be insured is undergoing any structural refurbishment or if is to be sold.
- Property Owners Liability
Level 3
- Fire and resultant smoke damage, lightning, explosion, earthquake, and aircraft and other flying devices or items dropped from them
- Storm, Flood or weight of snow. Escape of water resulting from damage to fixed water apparatus or pipes.
- Escape of oil from a fixed domestic oil fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation.
- Theft or attempted Theft.
- Malicious Damage.
- Collision by Vehicle or Animal.
- Breakage or collapse of fixed radio & television aerials, satellite and their fixtures and fittings.
- Falling trees, telegraph poles or lamp-posts
- Subsidence, or heave of the site upon which the buildings stand or landslip. Subsidence is not covered if the property to be insured is undergoing any structural refurbishment or if is to be sold.
- Property Owners Liability
Limitations
| Buildings & Contents |
£750,000 |
| Property Owners Liability |
£2,000,000 |
Multi-risk policies with a total sum insured in excess of £1,500,000 must be referred to underwriters for agreement. Upon referral the maximum total sum insured the Insurer can apply is £3,000,000 in respect of buildings and/or buildings and contents.
Excesses
| Cover |
Excess |
| Fire, Smoke, Explosion, Lightning, Earthquake, Aircraft |
£0 |
| Subsidence |
£1000 |
| All other perils |
£150 |
| Other than: |
| DSS Landlord Council |
£250 |
| Bedsits |
£250 |
| Asylum Seekers |
£500 |
Agility... The new standard in non-standard property insurance
Risks with a high loss ratio
Keelan Westall can place risks that have not had claims exceeding £10,000 in the last five years excluding subsidence, arson, flood and liability.
Tenants
- Asylum seekers
- DSS – Landlord and Council
- DSS – Tenant and Landlord
- Students
Buildings*
- Private dwellings let to professionals
- Holiday homes (UK only)
- Single flats and blocks of flats (wooden and concrete floored) (UK only)
- Bedsits – no more than ten
*We are able to place risks situated within Northern Ireland
Unoccupied cover
Three options to choose:
Level 1
- Fire and resultant smoke damage, lightning, explosion, earthquake and aircraft and other flying devices falling from them
- Property Owners Liability
Level 2
- Fire and resultant smoke damage, lightning, explosion, earthquake and aircraft and other flying devices falling from them
- Storm, Flood or Weight of Snow
- Collision by vehicle or animal
- Breakage or collapse of fixed radio & television aerials, satellite dishes and their fixtures and fittings
- Subsidence or heave of the site upon which the buildings stand or landslip.
Subsidence is not covered if the property to be insured is undergoing any structural refurbishment or if is to be sold.
- Property Owners Liability
Level 3
- Fire and resultant smoke damage, lightning, explosion, earthquake, and aircraft and other flying devices or items dropped from them
- Storm, Flood or weight of snow. Escape of water resulting from damage to fixed water apparatus or pipes.
- Escape of oil from a fixed domestic oil fired heating installation and smoke damage caused by a fault in any fixed domestic heating installation.
- Theft or attempted Theft.
- Malicious Damage.
- Collision by Vehicle or Animal.
- Breakage or collapse of fixed radio & television aerials, satellite and their fixtures and fittings.
- Falling trees, telegraph poles or lamp-posts
- Subsidence, or heave of the site upon which the buildings stand or landslip. Subsidence is not covered if the property to be insured is undergoing any structural refurbishment or if is to be sold.
- Property Owners Liability
Limitations
| Buildings & Contents |
£750,000 |
| Property Owners Liability |
£2,000,000 |
Multi-risk policies with a total sum insured in excess of £1,500,000 must be referred to underwriters for agreement. Upon referral the maximum total sum insured the Insurer can apply is £3,000,000 in respect of buildings and/or buildings and contents.
Excesses
| Cover |
Excess |
| Fire, Smoke, Explosion, Lightning, Earthquake, Aircraft |
£0 |
| Subsidence |
£1000 |
| All other perils |
£150 |
| Other than: |
| DSS Landlord Council |
£250 |
| Bedsits |
£250 |
| Asylum Seekers |
£500 |