Trying to get damage money from tenant arrrrrrrrr

dacouch

clutton wrote: »

""Even if it was covered by a landlords policy it would not be worth claiming for all of those incidents of damage "

why not ? it would depend on the £size of the claim and on the £size of the policy excess......

Because each of the sets of damage would be regarded as a separate incidents and thus each set of damage would be a separate claims. So (Excluding the windows not opening which I assume was not malicious damage). This means the OP would have three separate claims on his record so would get a massive loading on future premiums and have to pay the policy excess three times. As the excess for landlord policies is typically between £100 and £250 that would be a lot of money to lay out in excesses.

If each set of damage was thousands of pounds (Which is does not sound like it is) then it might be worth claiming but not if each incident is a few hundred pound

This is assuming malicious damage by tenants is even covered as a lot of landlords go for the cheapest possible cover which often excludes malicious damage by tenants.

clutton_2

"" As the excess for landlord policies is typically between £100 and £250" - how little ???? all the research i have done over the past few years has shown insurers wanting £1000 excesses....

poppysarah

clutton wrote: »

"" As the excess for landlord policies is typically between £100 and £250" - how little ???? all the research i have done over the past few years has shown insurers wanting £1000 excesses....

Really?

I was looking recently and you can no excess for not much more ...

What insurance are you getting?

tbs624

I think the point Clutton is trying to make particularly refers to the excesses for claims under "Malicious Damge by T". Many LL insurance policies do load the excess for that, above and beyond that applied for other types of claim.

However, that makes Dacouch's comments, about it probably not being worthwhile to claim in the OP's case, even more valid.

clutton_2

the higher the excess the lower the premium

tbs624

clutton wrote: »

the higher the excess the lower the premium

Obviously, as that is standard within the insurance industry.

That, however, is irrelevant to what Dacouch was saying - which is that it will probably not be cost effective for the OP to make a claim *because of the excess*....