Damage to property

Up to £5,000 cover

Replacement cover

Repair cover

Tenant Liability Insurance

At Oops, we know a large damage bill can be catastrophic for tenants. We provide a tenant liability policy that will cover accidental damage up £5,000 in a 12 month period.

Get protected for those Oops moments.

Up to £2,500 or £5,000 of cover

 12 months cover from just £59.99 or £5.50 per month

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What’s covered?

  • Accidental damage
    Cover for damage for which you are legally responsible as a tenant whilst in the home during the period of insurance.
  • Repair or replacement
    In the event of accidental damage to the landlord’s property, this policy will replace the damaged item or pay for the cost to repair.
  • New for old
    In the event replacement is required the damaged item will be replaced new for old.
  • Low excess
    In the event of a claim the excess is just £100.
  • Cover includes
    Landlords buildings, household goods, furniture, fixtures, fittings and furnishings including television, satellite and radio reviving aerials, fittings and masts.
  • 12 months cover
    The policy provides 12 months cover from the policy start date.
  • You and your family
    The policy covers you and your family where you are legally responsible as a tenant.

Important Documents

Needs & Demands

This cover will indemnify you for damage or loss or legal liability you may incur for accidents or losses occurring in relation your tenancy whilst occupying the home detailed in your policy schedule.

Insurance Product Information Document

Insurance Product Information Document

It is important that you read this document carefully along with the Policy Wording provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

Policy Wording

It is important that you read this document carefully along with the Insurance Product Information Document provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

Disclosure

You must provide full and accurate information to all questions asked. Your answers must be true to the best of your knowledge and belief. Your answers will form part of the statement of facts on which your policy will be based. If you become aware that information you have given us is inaccurate or has changed, you must inform us as soon as possible. Failure to do this may invalidate your policy and claims may not be paid.

Payment

Your premium will be payable to the broker or agent that you chose to purchase this policy from. Full details of the premium paid will be detailed on your policy schedule.

Cover Restrictions

Any claim that exceeds the sum insured on your policy schedule. The maximum sum insured under this policy is £2,500 or £5,000 as shown on your policy schedule.

Any claim that occurs outside of the policy period.

Cover up to £5,000

Covers up to £5,000 in a 12 month period.

Damage to Property

We provide cover for accidental damage to your rental property.

Replacement or Repair

We provide repair or replacement cover.

Frequently Asked Questions

Can I cancel my policy?

Yes. If you decide that for any reason, this policy does not meet your insurance needs then please return it within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later, provided that no claims have been made or are pending, the premium will be refunded in full. If you wish to cancel after the 14 day cooling off period no refund of premium will be payable.

Is there an excess fee?

Yes. There is an excess of £100 per claim.

Is wear and tear covered?

No. There is no cover for any damage caused by wear and tear, damp, vermin, fungus, cleaning, altering or repairing, restoration, mechanical or electrical breakdown, loss of value.

Is deliberate or malicious damage covered?

No. Accidental damage excludes excludes claims arising from Fire, Lightning, Earthquake, Storm, Flood, Theft, Attempted Theft, Malicious Act, Subsidence, Landslip and Heave.

Need to claim?

Logging a claim is quick and easy.

You can log a claim in your customer portal 24 hours per day 365 days of the year.

Alternatively, for policies issued before the 1st October 2020, you can telephone the insurer claims line on 0344 412 4258.

For policies issued after the 1st October 2020, you can telephone the insurer claims line on 0344 856 249.

Please provide full details of your claim as soon as possible after the event and always within 30 days of the event occurring. Do not effect full repairs without the insurers consent as this may invalidate a claim.

Please make sure you have complied with the policy wording to ensure that the insurer accepts and resolves your claim in a timely manner.

Login

Login to your customer portal and log your claim in just a few clicks

Call

Once your claim is logged, complete the claims form

Insurers

Your claim will be passed to insurers for validation and processing