Landlords Insurance – Landlords Buying Group

Landlords Insurance – Landlords Buying Group

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Price Guarantee Landlord Insurance with Property118

Landlords Insurance - Landlords Buying GroupSeveral years ago we were approached by an insurance broker who told us we could save a lot of money by combining our landlords insurance policies into a block policy. This was the beginning of our landlords buying group.

At that time we were in the business of arranging mortgages so we told our landlord clients how much money we were saving. They combined their landlords insurance policies with our block policy and so the scheme started to grow. The bigger our landlords buying group became the more negotiating power we gained.

Click the button below for a Landlords Insurance quote


Operated in partnership with Property118 by The Home Insurer, which scores 4.9 out of 5 stars on Feefo for customer service and is an Insurance Times Awards Finalist, GUARANTEES to beat the premium you are quoted elsewhere on a ‘like-for-like’ basis. What’s more, by using our recommended Landlords Insurance providers you will also be helping to fund the running costs of so you save money and our community benefits too. Everybody is a winner.

By the time your insurance renewal falls due you may well have forgotten about this article. Therefore, if you put your contact details into the form below we will make sure you are contacted by our landlords insurance scheme administrator a week or so before your next policy is due for renewal. If you don’t give it a try you will never know how much you might be able to save so you might as well complete the form now, it should take less time than it took you to read this article

Use the form below to request one of our team gives you a Call Back

Landlords Buying Group Insurance Renewal



by Elisabeth Gordon

18:27 PM, 20th August 2015, About 6 years ago

Reply to the comment left by "Mark Alexander" at "14/08/2015 - 11:54":

Hello Mark
I am hoping you might be able to advise me..
I recently wrote saying how helpful the team on Discount Insurance were when I was joining them.. I also wrote saying this was before making a claim.
Since the, believe it or not, I am in the position of making a Claim!
I am at the stage of their Loss Adjusters agreeing to pay out for the repair....I accidently knocked a cup of coffee over my daughters brand spanking new MacBook Pro!
I have asked if and by how much my future Premiums would be if I accept their offer.
No-one can tell me which I find very strange,,
I have searched the Internet and am faced with answers ranging from no increase up to double the Premium!
Discount Insurance cannot tell me and neither can their Loss Adjustors..
Surely they cannot simply decide at the 11th hour and pick a random sum dependent on if they have had a good or bad day at the office! Any increase remains for the duration of my Policy with them and /or is carried forward to future Insurers like a black mark. It is therefore a conscious decision I must make based on the increase..
Before I go any further I obviously would like to have this information..
Is there not a general Guide or Scale to advise customers of Policy Premium increases e.g. per £1000 claimed or per Section etc?.
A I would very much appreciate some advice on this.
Regards. Elisabeth

by Robert Mellors

12:27 PM, 3rd October 2015, About 6 years ago

I recently got my renewal document from my insurer and it was for about £960 (for 4 properties insured on one policy), so I let Discount Insurance (Property 118 insurers) quote for my business, and they came back with a quote around £840, but at the same time I also let another broker quote me against the £960 renewal quote (without telling them the Discount Insurance quote of £840), and the other broker came back to me with a quote of £660. Thus, my own broker was about £180 pa cheaper than the Property118 broker!!!

I accept that if I had gone back to the Property118 broker again, and quoted the new low quote from my own broker then they may have cut their price further, but this should not be necessary as a broker should be on my side and seeking the best deal for the customer in the first place (surely, that is why we use brokers??), not just quoting a price they think they can get away with charging??

If the Property118 broker could reduce their price by £180+ in order to win my business, then their original quote must have been "bumped up" to the max to make as much money as possible out of me. I want a broker who is on my side and is genuinely trying to save me money, not one that is trying to make as much as possible from me.

by Neil Patterson

14:56 PM, 3rd October 2015, About 6 years ago

Hi Robert,

We guarantee even if the insurer has to make a loss. It is like for like so it depends on the level of cover you were offered on the cheaper one.

You need to be prepared to give the team the chance to investigate it for you, or obviously they don't know what they are trying to beat and at what level of cover.

The take up rate has been extremely high for P118 readers and renewals have been running at mostly 100%.

If you would like us to look into this further please email myself and Jason

Many thanks

by Robert Mellors

16:44 PM, 3rd October 2015, About 6 years ago

Reply to the comment left by "Neil Patterson" at "03/10/2015 - 14:56":

I've now signed up for the insurance at £660 with my own broker, but will give Discount Insurance another chance next year. (Not much point in them getting the business in order to make a loss though).

by Neil Patterson

17:41 PM, 3rd October 2015, About 6 years ago

Reply to the comment left by "Robert Mellors" at "03/10/2015 - 16:44":

Thanks Robert 🙂

by Mark Crampton Smith

10:49 AM, 10th May 2016, About 5 years ago

Hi Mark.....with your insurance connections, could you enquire about Landlord cover for damage caused by occupants who are subletting without the knowledge or permission of the landlord?

by Jason McClean

11:59 AM, 10th May 2016, About 5 years ago

Hi Mark

Yes, are developing a product exactly for sub letting and protecting the landlord. This as a result of demand noted here on 118. It protects for subletting. I think we can help now if required so if you are interested, please contact me at



by Eudora Burn

17:22 PM, 11th August 2016, About 5 years ago

Reply to the comment left by "Mark Alexander" at "27/01/2015 - 16:52":

Yesterday, I took out insurance on one of our rental properties with Discount Landlord. They beat the nearest quote by 15% and the excess was better too. The co underwriting the policy is a household name - I am a happy customer.

by Elisabeth Gordon

16:32 PM, 2nd January 2017, About 5 years ago

I own the freehold of a property comprising of 2 floors which is my own home and a lower Garden Flat a lease of which I sold a 125 yr last year to a Leaseholder.

Naturally I required Buildings Insurance.
On your recommendation I spoke with Discount Insurance last year and was advised of a particular Policy as being the correct one for my situation......namely a "Landlord Household Insurance" with Ageas Insurance Ltd. At the time I queried this wording but was assured this was the correct Policy.

Last month the Leaseholder had reason to make a claim and thus the subject of him being a Leaseholder with a Lease and not a Tenant has arisen. He is now concerned which is understandable. He is not a Tenant. There is no Tenancy Agreement. He owns the Lease of the flat in which he lives.

I need to know.......
Have I been advised correctly?
Have I been sold the correct Policy for my situation?

I would very much appreciate your advice.
With regards
Elisabeth Gordon

by Neil Patterson

8:16 AM, 3rd January 2017, About 5 years ago

Reply to the comment left by "Elisabeth Gordon" at "02/01/2017 - 16:32":

Hi Elizabeth,

Insurance is highly regulated and all calls are recorded. I cannot be 100% sure as it was a while ago, but I think we had a question on this terminology before and it was all OK.

Please can you email Jason your policy and contact details and he will look into it for you >>

Many thanks 🙂

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