Insurance loophole – illegal activities

Insurance loophole – illegal activities

14:30 PM, 18th July 2019, About 5 years ago 15

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There is a potential loophole on landlords insurance. This is that most, perhaps all, policies now available exclude cover for any damage caused by illegal activities.

This leaves an uncomfortable situation where if, for example, your buy-to-let house was burned down by a tenant and it was discovered that some form of illegal activity had been going on, the insurance company might well not pay anything towards the cost of repair.

However well you know your tenant, or however often you inspect, you can never be 100% sure that no illegal activity is ever going on at a property.

I have yet to find a solution to this problem except to make 6 monthly inspections, screen tenants as closely as possible and trust to luck!


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The Property Man

11:42 AM, 27th April 2022, About 2 years ago

Hi Jason

Are you part of The Home Insurer ?


Jason McClean - The Home Insurer

11:48 AM, 27th April 2022, About 2 years ago

Reply to the comment left by The Property Man at 27/04/2022 - 11:42
Hi Steve

Yes, please see here:

Let me know if anything I can assist with?

The Property Man

11:51 AM, 27th April 2022, About 2 years ago

Hi Jason

I though so, I have just renewed all my portfolio with you again for another year with Doug, I have been with you I think it is 4 years now.

Great company, Highly recommend !!

Jason McClean - The Home Insurer

11:58 AM, 27th April 2022, About 2 years ago

Thanks, Steve, really appreciate the endorsement and glad Doug was able to help!

The Property Man

12:04 PM, 27th April 2022, About 2 years ago

No problem Jason,

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