The building and its use
Construction, occupation, listed status and planned work help define the risk.
Residential letting & buildings
Residential property insurance. Built on the detail.
For landlords, owners of blocks of flats and those managing residential buildings. We consider the property, its use and the people or entities with an interest in the cover.
A renewal, a change or a new requirement?
A place to begin
Residential letting
Tell us about the properties you let, how they are occupied and who owns them. A single letting and a portfolio can raise different insurance requirements.
Blocks, flats & leasehold interests
The building, individual flats and leasehold interests need a clear understanding of who is responsible for what. We can discuss the interests of owners and those managing shared buildings.
Listed, historic & unoccupied property
Construction, listed status, rebuilding information and periods of vacancy are part of understanding the risk. Flag any unusual features or changes in occupation.
Renovation & contractors’ risks
Planned alterations, substantial works or a contractor’s involvement can change the insurance requirement. Discuss the project with us before work begins.
Renewal & policy review
We obtain quotations and carry out senior review before sending our recommendations. The proposed limits, exclusions and conditions are explained by email.
Useful to know
What should I have ready for the first conversation?
Start with the location, ownership, type of property, occupancy and renewal date. Include a broad outline of any works or period of vacancy. The team will explain which documents are needed next.
Can I enquire as a managing agent or adviser?
Yes. Explain your role, who owns the property and the authority under which you are acting. Agree the appropriate document-sharing route before sending personal or sensitive information.
What if the property is changing use or becoming empty?
Contact us before the change where possible. An existing policy should not be assumed to cover a different use, vacancy or building project until the position has been confirmed.
Who do I call about an urgent incident?
Existing clients should call GCIS first on 020 7731 7733. We support clients through the claims process. Your policy documents also contain the insurer’s relevant claims or emergency contacts.
Insurance arrangements depend on the property, the parties’ interests, insurer agreement and policy terms.
The detail behind the cover
What we consider
with you.
Insurance starts with understanding the circumstances. These are some of the details we discuss before making a recommendation.
The interests involved
Ownership, leasehold interests and management responsibilities need to be understood together.
The policy in practice
We discuss the proposed limits and conditions and explain what the recommendation means for your property.
A direct conversation
Let’s begin with what matters to you.
A renewal, a change or a new requirement. Start with a brief outline.