Frequent questions about Tenants Contents insurance

Although we have tried our best to provide as much help throughout the site, we understand that sometimes you just can't find the answer that you are looking for. So to make life easier for you, our help section hopefully answers any question that you may have. Again for your convenience, we have broken questions into topics to make it easier to find what you are looking for.

If you still can't find the answer you are looking for, contact us.

» General questions
» About our Cover
» Making a change to your policy
» Cancelling your policy
» Making a claim
» Price & Payment
» Documentation

General questions

My contact details have changed, how do I update my policy?

If either your correspondence address, e-mail address or telephone number has changed, please contact us and we will be happy to update your details.

I don't want to receive any marketing communications anymore, how do I stop them?

Letsure also tries to keep marketing communications to a minimum, however if you no longer wish us to contact you, we will be happy to remove your details from any future communications. Please contact customer services but bear in mind that it can take a couple of weeks for your information to be completely removed. You will still receive communications relating to any insurance policies that you hold with us.

I am unhappy with the service, how do I make a complaint?

Firstly, we are very sorry that you have had problems with our service and we would like to assure you that we will do our utmost to resolve the matter.

If you have not already spoken to us regards the matter, please contact us on 0844 561 0660. Alternatively you can email us at info@letsure.co.uk or write to us at:
Letsure Limited, Granite House, 31 Stockwell Street, Glasgow, G1 4RZ

Your complaint will be acknowledged as quickly as possible but always within 5 working days and we will detail our complaints procedure to you.

If following our final response to you, you are still dissatisfied; you may be entitled to refer the matter to the Financial Ombudsman Service:

By writing to:
The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR

By telephone: 0845 080 1800

About our Cover

What is the difference between tenant's contents insurance and home contents insurance?

Both covers your own contents against fire, lightning, theft, storm, flood etc. The main difference between the two is that generally in rented property not all of the contents belong to you (the resident). Tenant's Contents Insurance includes some additional some additional cover specific to rented properties which are not normally included in a standard home contents policy, details of the cover are shown below.

What does your policy cover?

The table below shows a high level summary of the cover available, for full details please refer to the policy wording

Contents Cover

• Up to £40,000 contents cover
• Up to £2500 accidental damage cover to audio and video equipment and home computers
• Up to £2500 tenant's liability cover for damage to your landlord's property and/or contents
• Up to £300 Frozen food cover
• Up to £2 million personal & occupiers liability cover New for old cover excluding clothing and linen Optional benefits including cover away from home, bicycles and full accidental damage

Can I get immediate cover?

Yes, we offer immediate cover provided that you are able to either pay the initial deposit or premium in full. You can buy online 24 hours a day, 365 days a year - get an online Tenant's Contents Insurance quote. If you wish to arrange cover over the phone, please call 0844 561 0880.

Can I get cover for a few months?

Generally, our tenant's contents insurance policy will provide insurance cover for 6 or 12 months. You can choose your length of cover when getting a quote

Making a change to your policy

What changes do I need to tell you about?

You need to tell us about any material change that may affect your insurance cover.  A material change is one which would cause the underwriter to change your price or terms or whether to offer cover or not. Examples of changes that you need to tell us about include – change of address, changes to the value of your contents, damage or theft whether claimed for or not, to name but some. If in doubt, please contact us and we can inform you whether it affects your insurance policy.

How much will it cost to make a change?

If you make a change to your tenant's contents insurance policy, your price will be calculated based on the new details versus your original price. The difference between the old and new price will then be calculated over the number of days that your policy is left to run, depending upon the change this may result in an increase, decrease or your premium remaining unchanged. Letsure may charge you a fee for making a change to your policy. Our current fees are shown in the Initial Disclosure Document.

Can I make a change to my policy online?

Unfortunately, we are currently unable to offer you this service but we hope to offer this service in the future. To make a change you will need to contact us.

Cancelling your policy

Will I get a refund if I cancel my tenant's contents insurance policy?

 If you cancel your policy during the 14 day cooling off period you will receive a full refund of the premium paid provided that no claims have been made. If you cancel after 14 days your insurer will provide a refund of the unexpired portion of your premium provided no claims have been made on your policy. Letsure may charge you a fee for cancelling your policy. Our current fees are shown in the Initial Disclosure Document.

Can I cancel if I have made a claim?

Yes, you can cancel if you have made a claim but there will be no refund of premium due to you.

Making a claim on your Tenants Contents

How do I make a claim?

Details on how to make a claim for Tenant's Contents Insurance can be found here.

Do I have to pay an excess if I claim?

Excesses apply on some policies and also vary depending on the type of claim. For full details on whether an excess will apply, please either refer to your documents or you can view the policy wordings. If you are still unsure please contact us.

How long will my claim take?

Unfortunately we are unable to provide timescales as each claim varies depending upon a number of factors.  For example, how quickly you provide us or the insurer with full information relating to the claim and any supporting evidence requested.  You can be sure that we will do our utmost to deal with your claim as quickly and efficiently as possible and you should be kept up to date with the progress of your claim.

Price and payment

Does my price include insurance premium tax?

Yes, all of our insurance premiums include IPT at the current rate. All insurance premium tax is paid to the insurer who in turn will pay this to Her Majesty's Revenue and Customs.

Can I pay by instalments?

Most of our products are able to be paid by monthly instalments. The finance is offered through Close Premium Finance who are a reputable finance company. Availability of monthly instalments will be made aware to you when purchasing a policy.

Documentation

How long does it take to receive my policy documents?

Your policy documents should arrive within 5 working days of the policy being bought, as we use the postal system, sometimes events such as industrial disputes, transportation issues or loss of mail can occur which may affect the delivery timescales.  If you have not received any documents after 10 days, you should contact us as there is likely to have been an issue.

Do I have to return anything back to you?

Generally, we do not require you to return anything back to us.  If we require anything, you will have been made aware of this and it will also be shown on your covering letter.

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