**This product is unavailable for new business from 01/05/22.**

This product is a ‘Fit don’t fit product’ so if we do not quote via your Software House the risk is not suitable.

Target Market

The target market for this policy is customers who wish to insure their private residence or a property they let.  The policy offers Contents, Buildings or Buildings and Contents cover and is suitable for customers who:-

Private Residence

• Are aged over 18.
• Wish to insure a smaller property, such as 3 or 4 bed Terraced and Semi Detached properties built in between 1900-2000.
• Who on average will have average to high credit scores with no adverse CCJ history.
• Will mostly require Combined Buildings and Contents cover for their own property.
• A building sum insured of £1m will adequately cover the properties and on average a contents sum insured of £60k will suffice.

Landlord

• Are aged over 18.
• Wish to insure a smaller property, such as 3 or 4 bed Terraced and Semi Detached properties built in between 1900-2000.
• Who on average will have average to high credit scores with no adverse CCJ history.
• Will mostly require Buildings Only cover for properties that they let out.
• A building sum insured of £1m will adequately cover the properties and on average a contents sum insured of £60k will suffice.

Product Manufacturer

Manufactured by CPD Underwriting Solutions Limited and Accredited Insurance Europe Limited.

How Transacted

EDI only and availability by individual software house

Availability

Available in Great Britain only

Key Features

Blanket sums insured for buildings and contents cover each variant. (dependent on the sum insurance requested)

Optional ‘personal possessions’ cover on a worldwide basis

Optional cover for accidental damage cover on buildings and contents sections

Separate policy wording for each variant

No survey requirements as the product acceptance is based upon the level of security declared.

Who is this product not suitable for

Private Residence

• Are under 18.
• Have any unspent criminal convictions.
• Wish to insure a property in an area at risk of flood.
• Wish to insure a property with more than 6 bedrooms in the property
• Wish to insure a property built from a Non-Standard Construction (not brick/stone/slate/tile)
• Wish to insure a property which has more than 30% flat roof.
• Wish to insure a property in a poor state of repair
• Wish to use the property for non-clerical business use.
• Are not a permanent residence of the property
• Wish to leave their property unoccupied for more than 60 consecutive days a year.

Landlord

• Are under 18.
• Have any unspent criminal convictions.
• Wish to insure a property in an area at risk of flood.
• Wish to insure a property with more than 6 bedrooms in the property
• Wish to insure a property built from a Non-Standard Construction (not brick/stone/slate/tile)
• Wish to insure a property which has more than 30% flat roof.
• Wish to insure a property in a poor state of repair
• Wish to use the property for non-clerical business use.
• Wish to leave their property unoccupied for more than 60 consecutive days a year