Property118 Ltd understands that your privacy is important to you and that you care about how your personal data is used and shared online. We respect and value the privacy of everyone who visits this website, www.property118.com
(“Our Site”) and will only collect and use personal data in ways that are described here, and in a manner that is consistent with Our obligations and your rights under the law.
- Definitions and Interpretation
In this Policy the following terms shall have the following meanings:
||means an account required to access and/or use certain areas and features of Our Site;
||means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site. Details of the Cookies used by Our Site are set out in section 13, below;
||means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003;
||means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data. In this case, it means personal data that you give to Us via Our Site. This definition shall, where applicable, incorporate the definitions provided in the EU Regulation 2016/679 – the General Data Protection Regulation (“GDPR”); and
||Means Property118 Ltd , a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Information About Us
- Our Site is owned and operated by Property118 Ltd, a limited company registered in England under company number 10295964, whose registered address is 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- Our VAT number is 990 0332 34.
- Our Data Protection Officer is Neil Patterson, and can be contacted by email at email@example.com, by telephone on 01603 489118, or by post at 1st Floor, Woburn House, 84 St Benedicts Street, Norwich, NR2 4AB.
- What Does This Policy Cover?
- Your Rights
- As a data subject, you have the following rights under the GDPR, which this Policy and Our use of personal data have been designed to uphold:
- The right to be informed about Our collection and use of personal data;
- The right of access to the personal data We hold about you (see section 12);
- The right to rectification if any personal data We hold about you is inaccurate or incomplete (please contact Us using the details in section 14);
- The right to be forgotten – i.e. the right to ask Us to delete any personal data We hold about you (We only hold your personal data for a limited time, as explained in section 6 but if you would like Us to delete it sooner, please contact Us using the details in section 14);
- The right to restrict (i.e. prevent) the processing of your personal data;
- The right to data portability (obtaining a copy of your personal data to re-use with another service or organisation);
- The right to object to Us using your personal data for particular purposes; and
- If you have any cause for complaint about Our use of your personal data, please contact Us using the details provided in section 14 and We will do Our best to solve the problem for you. If We are unable to help, you also have the right to lodge a complaint with the UK’s supervisory authority, the Information Commissioner’s Office.
- For further information about your rights, please contact the Information Commissioner’s Office or your local Citizens Advice Bureau.
- What Data Do We Collect?
- Date of birth;
- Address and post code;
- Business/company name and trading status;
- Number of properties owned;
- Accountants details;
- Contact information such as email addresses and telephone numbers;
- Proof of residence and ID;
- Financial information such as income and tax status;
- Landlords insurance renewal dates;
- Property Portfolio details such as value and mortgage outstanding;
- How Do We Use Your Data?
- All personal data is processed and stored securely, for no longer than is necessary in light of the reason(s) for which it was first collected. We will comply with Our obligations and safeguard your rights under the GDPR at all times. For more details on security see section 7, below.
- Our use of your personal data will always have a lawful basis, either because it is necessary for our performance of a contract with you, because you have consented to our use of your personal data (e.g. by subscribing to emails), or because it is in our legitimate interests. Specifically, we may use your data for the following purposes:
- Providing and managing your access to Our Site;
- Supplying our products and or services to you (please note that We require your personal data in order to enter into a contract with you);
- Personalising and tailoring our products and or services for you;
- Replying to emails from you;
- Supplying you with emails that you have opted into (you may unsubscribe or opt-out at any time by the unsubscribe link at the bottom of all emails;
- Analysing your use of our site and gathering feedback to enable us to continually improve our site and your user experience;
- Provide information to our partner service and product suppliers at your request.
- With your permission and/or where permitted by law, We may also use your data for marketing purposes which may include contacting you by email and or telephone with information, news and offers on our products and or We will not, however, send you any unsolicited marketing or spam and will take all reasonable steps to ensure that We fully protect your rights and comply with Our obligations under the GDPR and the Privacy and Electronic Communications (EC Directive) Regulations 2003.
- You have the right to withdraw your consent to us using your personal data at any time, and to request that we delete it.
- We do not keep your personal data for any longer than is necessary in light of the reason(s) for which it was first collected. Data will therefore be retained for the following periods (or its retention will be determined on the following bases):
- Member profile information is collected with your consent and can be amended or deleted at any time by you;
- Anti-Money Laundering information and tax consultancy records are to be kept as required by law for up to seven years.
- How and Where Do We Store Your Data?
- We only keep your personal data for as long as We need to in order to use it as described above in section 6, and/or for as long as We have your permission to keep it.
- Some or all of your data may be stored outside of the European Economic Area (“the EEA”) (The EEA consists of all EU member states, plus Norway, Iceland, and Liechtenstein). You are deemed to accept and agree to this by using our site and submitting information to Us. If we do store data outside the EEA, we will take all reasonable steps to ensure that your data is treated as safely and securely as it would be within the UK and under the GDPR
- Data security is very important to Us, and to protect your data We have taken suitable measures to safeguard and secure data collected through Our Site.
- Do We Share Your Data?
- We may share your data with other partner companies in for the purpose of supplying products or services you have requested.
- We may sometimes contract with third parties to supply products and services to you on Our behalf. Where any of your data is required for such a purpose, We will take all reasonable steps to ensure that your data will be handled safely, securely, and in accordance with your rights, Our obligations, and the obligations of the third party under the law.
- We may compile statistics about the use of Our Site including data on traffic, usage patterns, user numbers, sales, and other information. All such data will be anonymised and will not include any personally identifying data, or any anonymised data that can be combined with other data and used to identify you. We may from time to time share such data with third parties such as prospective investors, affiliates, partners, and advertisers. Data will only be shared and used within the bounds of the law.
- In certain circumstances, We may be legally required to share certain data held by Us, which may include your personal data, for example, where We are involved in legal proceedings, where We are complying with legal requirements, a court order, or a governmental authority.
- What Happens If Our Business Changes Hands?
- How Can You Control Your Data?
- In addition to your rights under the GDPR, set out in section 4, we aim to give you strong controls on Our use of your data for direct marketing purposes including the ability to opt-out of receiving emails from Us which you may do by unsubscribing using the links provided in Our emails.
- Your Right to Withhold Information
- You may access certain areas of Our Site without providing any data at all. However, to use all features and functions available on Our Site you may be required to submit or allow for the collection of certain data.
- How Can You Access Your Data?
You have the right to ask for a copy of any of your personal data held by Us (where such data is held). Under the GDPR, no fee is payable and We will provide any and all information in response to your request free of charge. Please contact Us for more details at firstname.lastname@example.org, or using the contact details below in section 14.
- All Cookies used by and on Our Site are used in accordance with current Cookie Law.
- Before Cookies are placed on your computer or device, you will be shown a cookie prompt requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow only first party Cookies and block third party Cookies.
- Certain features of Our Site depend on Cookies to function. Cookie Law deems these Cookies to be “strictly necessary”. These Cookies are shown below in section 13.5. Your consent will not be sought to place these Cookies, but it is still important that you are aware of them. You may still block these Cookies by changing your internet browser’s settings as detailed below in section 13.9, but please be aware that Our Site may not work properly if you do so. We have taken great care to ensure that your privacy is not at risk by allowing them.
- The following first party Cookies may be placed on your computer or device:
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- Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products AND/OR services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
- The analytics service(s) used by Our Site use(s) Cookies to gather the required information.
- The analytics service(s) used by Our Site use(s) the following Cookies:
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- In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
- You can choose to delete Cookies on your computer or device at any time, however you may lose any information that enables you to access Our Site more quickly and efficiently including, but not limited to, login and personalisation settings.
- It is recommended that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.
- Contacting Us
9:25 AM, 9th February 2012, About 11 years ago
Do you have any thoughts on which firms are the best-value providers in the market? It would be useful to compare notes on landlords' experience of costs and quality of service.
9:26 AM, 9th February 2012, About 11 years ago
I tend to have separate policies for each of my properties. I would be interested to know if other landlords purchase blanket policies, if they are available, and if so is it more cost effective?
Mark Alexander - Founder of Property118
9:54 AM, 9th February 2012, About 11 years ago
Hi Gary, I have a share in a block policy and it saves me £1,000's. For more info speak to Paul Baudinet on 01603 428588.
10:14 AM, 9th February 2012, About 11 years ago
I buy single policies for my houses but appear to save by buying them at the same time through Total Landlord Insurance (HFIS), who also give reductions to NLA members.
I also used Total Landlord recently for a small block policy (4 apartments, rebuild cost £330K) and was pleasantly surprised by the cost of about £400. I built the flats last year and have been administering the management company on behalf of the new leaseholders until they get settled in.
15:45 PM, 9th February 2012, About 11 years ago
A mistake I have come across is landlords concealing historic claims.
All insurers will have access to prior claims history so the rule is to
be completely honest as they will find the information and it may
invalidate your future claims if you have not been honest up front.
Insurers may take a dim view of repeated small water damage claims as
this suggests poor maintenance whereas a burnt out shell might be
considered a one off, your premiums will be set according to the level
of risk you represent.
The other thing to watch out for is the vacant period covered between
lettings. This can be as little as 30 days which, if you have student
tenants, may mean your property is not adequately covered during the
The other way some landlords can negotiate their premiums is on the
level of excess they require. If you handle repairs yourself rather than
make lots of small claims then make sure you reap the rewards for this
by requesting a higher level of excess.
And of course if you want recommendations you can always check the Property118 directory for testimonials!
22:16 PM, 9th February 2012, About 11 years ago
I have occasion to to make numerous claims for floodings; all of which occured whilst the flats were vacant; undergoing viewing.
It cost the buildings insurance company over £50000.00
None of these floodings were my fault.
It was down to the incompetent builders.
It nearly cost me one of the flats as it took over 6 months to repair; it was flooded with sewage in the summer and the useless insurance company ; loss adjusters and managing agents did nothing to sort it out quickly; you can imagine the stink as raw sewage gradually filled the flat up causing even more damage then when first notified to the insurance company.
The only way I managed to pay the mortgage was a credit card.
There appears to be NO insurance policy that will cover a property whilst it is inbetween tenants.
The chances of a property suffering loss of amenity whilst it is vacant; is of course most unlikely, but it has happened to me 4 times now!
Consequently I wanted to arrange contents and malicious damage insurance by tenants.
I was advised that the fact that I had claims even though none of my fault meant that I would have to leave it for about 5 years before I could consider obtaining sensible quotes for such contents insurance.
This means I am now exposed for the next 5 years to any tenant theft or damage at my flats.
How can that be fair?
It appears that there is no insurance provision for the situation I now find myself in, nor particularly for any time my properties are vacant whilst undergoing viewing.
This means I am continually vulnerable to losing my property because I do not have a current tenant.
Not that this could mean much as my AST states that a tenant may surrender the tenancy if there is a los of amenity for 1 month.
It would appear that one has to have to have a AST in force whether they have moved in or not.
So perhaps to ensure I am covered I will by magic always have in force a AST!
This will ensure that the insurance will pay out to the tenant for where he may choose to reside which funnily enough will be as a sharer in a house and the monthly rent will always be enough to meet my monthly mortgage payment.
How many landlords realise they are exposed to losing their property if they cannot sustain mortgage payments whilst a property is being repaired.
If I have such a situation again and the'tenant' decides to give up the tenancy I am stuffed.
I would be unable to make the mortgage payments and the mortgage company would have a potential wreck on their hands with no possibility of recovery from me as I am effectively bankrupt.
Is it not beyond the wit of the UK insurance industry to come up with a policy to cover a situation which EVERY landlord faces and that is cover whilst a property is vacant and undergoing viewings?
It would make fantastic business.
How many LL would hav e to make such a claim.
It surely would be such a rare event.
The risk is not having any insurance and no tenant occupying or an AST in force leaves the LL exposed weith no cover to pay the mortgage whilst the property is being repaired.
Taken to the enth degree; let us say the property falls down in between tenants and undergiong viewing.
It could take over 1 year to rebuild.
Who pays the mortgage?
Ans nobody, which will mean the property or rather the hole in the ground will be repossessed.
This could mean the LL could be bankrupted in extremis.
How many LL realise how exposed they are to this situation.
I have enquired across major industry providers.
None of them has a solution to cover these circumstances.
So I fully appreciate you should have proper landlords property insurance.
The only problem you cannot obtain it anywhere!
There is also an issue with insurance provision if you have flats.
You generally have to have the block insurance policy paid for in the service charges.
This excludes you from some proper landlord proerty insrance as it is illegal to have 2 buildings insurance on the same properety and it is required with most insurance add-ons that you have a buildings policy with the same company!!
Anybody got any ideas for my parlous position.
I have to say that apart from a bathroom towel radiator having rusted through due to the criminal fraud of the origianal builders in not putting in the right fluids in the C/H system 2 weeks ago I have not experienced any other problems with the flat!!!
11:41 AM, 13th February 2012, About 11 years ago
What you need is a broker who is experienced in these matters.
It does not matter if the claim is your fault it is still a claim and the insurers have made a payment.
What should have happened with your claim is an interim payment for loss of rent whilst the repair was being carried out.
I'm sure you can find the cover you need albeit at an increased premium.
18:09 PM, 13th February 2012, About 11 years ago
Yes the claim situation is unfair but a reality.
It means that incompetent builders leave the property purchaser with the insurance claims which then damage the premium amounts that the purchaser has to pay in later years.
In my case I had no insurance apart from buildings insurance and because there was no tenant the insurance company didn't have to pay out for rent for alternative accommodation.
From now on I will always have a signed AST even if there is no tenant so I can claim for alternative accommodation for the 'tenant'; that's what friends are for!
There is not one insurance company in the UK that offers insurance for when properties are vacant inbetween tenants.
Indeed I would challenge you to find such a policy.
There isn't one so perhaps you might, using your good offices be able to generate some interest with insurers to facilitate such an insurance policy.
EVERY landlord is exposed to this risk.
I quote an extreme example
A landlord has 4 ground floor flats in Worcester,( an area subject to extreme flooding),
They all become vacant folowing tenants leaving.
All 4 flats become flooded at the same time following a major flooding event.
The buildings insurance covers the rebuild
Contents insurance covers the damage to items not covered by the buildings insurance.
There being no incumbent tenant and no AST for a tenant due to move in.
Who pays the mortgage on all 4 flats in the meantime
Taking into account it could be more than a year for a place to dry out and be repaired.
If these circumstances occurred the LL would most probably be bankrupted.
This would not occur if there was an insurance policy to cover this highly unlikely situation; but one that is vital for the risk that the LL is exposed to.
I would willingly pay £50.00 per year per property for this very rare risk.
It has happened to me 4 times now; this very rare eventuality!!?
I am most likely not going to be in this position, as I now have long term tenants; however I would still pay say £50 per property just incase, as the tenant could surrender the tenancy if the property wasn't available for 1 month.
There is no cover of the type I am after even though every LL could face the same issues I have.
10:07 AM, 18th February 2012, About 11 years ago
Last year I had my first claim in 30 years due to a fire in the loft space of a property, caused by an electrical fault. It was quickly put out by the fire services thanks to prompt action by the tenant. Looking at the property from the outside you would not know there had been a fire but there was £50 000 worth of damage. I am just completing the refurbishment which involved new roof (structure and covering, rewire, new ceilings and plastering throughout etc. Anyone who would like to have a look please let me know. The property is in Solihull.My point of this posting is to ask everyone to make sure they have a regular electrical inspection of their properties. I know the gas certificate is a legal requirement but an annual electrical inspection is not and so sometimes gets forgotten. A "regular" inspection is recommended which usually means every 5 years. Also don't think that an RCD (residual current device) on the fuseboard will trip before a fire starts as certain types of fault still occur, and can cause a fire.I am a chartered building surveyor with part P and 17th Edition electrical quals, so I understand buildings and electrics but I still always use an NICEIC electrician or equivalent for any work. Lofts particularly get overlooked and new insulation regs mean ever thicker insulation can add to overheating problems particularly on older wiring. Also storing items in the loft can dislodge electrical connections. So don't ignore the electrics, always get a regular inspection carried out, upgrade your fuseboards even if is does incur a significant cost and always, but always, use a qualified electrician to do alteration no matter how small. Best WishesBob Grant07740492887Robert Grant B.Sc(Hons) M.Sc MRICS MCIOB
Mark Alexander - Founder of Property118
10:20 AM, 18th February 2012, About 11 years ago
Thanks for sharing your story. One of our regular posters here (Paul Barrett) is ex-fire services and has shared some useful tips on fire prevention in his comments too.
Presumably the claim wasn't just for fire damage but also for re-housing your tenant? Were the insurance company helpful with this?
I wish you well with getting it sorted, I've not had to deal with fire damage yet (touch wood) but I have had to deal with flooding so I know the upheaval these things can cause.