As an award-winning independent insurance broker, we are confident that we understand the insurance needs of property owners and can find a solution to meet them.
Whether you're a property developer, property owner, leaseholder or even freeholder, we understand your insurance needs and can find a solution to meet them.
We are specialists in Property Owners Insurance, Commercial Property Insurance, Landlords Insurance, Residential Let Properties Insurance, Student Accommodation Insurance, Flats & Apartment Block Insurance, Industrial Units/Industrial Estates Insurance, Unoccupied Properties Insurance, Second Home Insurance and even Land Owners Liability Insurance – we’re here to give you peace of mind.
Offering competitive rates for a wide range of property owners insurance covering countless risks, Wilby Ltd have over 30 years' experience in insurance broking.
We believe that we can offer clients a superior service proposition, which is highlighted by our great customer service feedback. Wilby clients are offered:
If you own a property or a portfolio of properties, it’s important that you have the right cover to protect your investment - and with great risk management in place, you can expect your insurance premiums to be lower.
Landlord’s insurance is insurance cover specifically designed for landlords / property owners who are letting their property to tenants. Your tenant is a person or group who has a rental agreement in place allowing them to inhabit your property subject to terms and conditions. The tenant agreement holds you liable for your responsibilities as a landlord and landlord insurance offers you protection for potential legal liabilities.
There isn’t a standard definition in the insurance market and each insurers definition of an unoccupied property can differ slightly. A simple rule of thumb would be where a property is empty without a valid tenancy agreement in place, the property is “unoccupied”.
Yes, you should always advise your insurers or your insurance representative when there is a change in circumstances, as failure to do this could result in a future claim being turned down.
We are able to offer a variety of additional covers for landlords such as legal expenses insurance, landlords emergency solutions cover and our own Loss Adjuster and Risk Management services.
There are many ways in which an insurance policy can be paid for but the most common options are cheque, debit and credit cards, BACS payment or monthly instalments. All credit agreements are subject to status and additional charges will apply. Paying by credit card can also attract additional charges
Professional Let - A working person, couple or family who are gainfully employed and are solely responsible for the rent payments.
Students and DSS - Not all insurers offer cover for student and/or DSS tenants but cover is still available through a specialist insurer. If you opt to rent to these groups premiums generally tend to be higher but many landlords still prefer to choose this option as it increases the number of potential tenants.
Sub-letting - Insurers generally don’t allow sub-letting. This is because the tenants are not under an agreement directly with you the landlord and consequently appropriate checks may not have been made and in some circumstances the landlord can be unaware of who exactly is occupying the property.
Family members - It’s very common for landlord’s to let to a family member. For insurance purposes however you should have a tenancy agreement in place, even if in practice your arrangements are less formal.