PLEASE READ BEFORE POSTING
Hello Forumites! In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non-MoneySaving matters are not permitted per the Forum rules. While we understand that mentioning house prices may sometimes be relevant to a user's specific MoneySaving situation, we ask that you please avoid veering into broad, general debates about the market, the economy and politics, as these can unfortunately lead to abusive or hateful behaviour. Threads that are found to have derailed into wider discussions may be removed. Users who repeatedly disregard this may have their Forum account banned. Please also avoid posting personally identifiable information, including links to your own online property listing which may reveal your address. Thank you for your understanding.We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly. Please bear with us while we get this fixed, and see Site feedback for updates.
Fly tipping paragraph in Landlord Insurance

tarman
Posts: 9 Forumite

To anyone working in Insurance or Claim departments.
In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...
"We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"
What exactly is that referring to please?
My tenants have now moved out, but there is a lot of rubbish in the back garden and also in the front garden. I have no way of knowing if that is all their stuff or if anyone else has dumped it there.
Would this paragraph apply in my situation?
What exactly would I say to the Insurance company for a claim to be accepted?
I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?
In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...
"We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"
What exactly is that referring to please?
My tenants have now moved out, but there is a lot of rubbish in the back garden and also in the front garden. I have no way of knowing if that is all their stuff or if anyone else has dumped it there.
Would this paragraph apply in my situation?
What exactly would I say to the Insurance company for a claim to be accepted?
I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?
0
Comments
-
To anyone working in Insurance or Claim departments.
In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...
"We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"
What exactly is that referring to please?
My tenants have now moved out, but there is a lot of rubbish in the back garden and also in the front garden. I have no way of knowing if that is all their stuff or if anyone else has dumped it there.
Would this paragraph apply in my situation?
What exactly would I say to the Insurance company for a claim to be accepted?
I have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?
Even if they would pay for it's removal how much is your excess? unless it's way lower than £200 then they wouldn't even pay anyway.Those who risk nothing, Do nothing, achieve nothing, become nothingMFW #63 £0/£5000 -
To anyone working in Insurance or Claim departments.
In my Landlords Policy, in the Policy Wording for the Property Section, there is a part entitled Fly Tipping, which reads...
"We will pay for costs incurred with our consent for the removal of property illegally deposited within the boundaries of the premises and the cleaning of the premises after removal provided that we will not pay for any loss occurring when the premises are unoccupied"
What exactly is that referring to please?My tenants have now moved outI have been quoted about £200 for removal of all the rubbish in the gardens! Would I be better of just removing it and try to get the place ready for viewings?
And remember - it's commercial waste, because you're disposing of it in the course of your residential lettings business.0 -
The interesting question is - when did the "loss" occur? When the rubbish was deposited, or removed? The former happened while the property was occupied, the latter while unoccupied.0
-
ThePants999 wrote: »The interesting question is - when did the "loss" occur? When the rubbish was deposited, or removed? The former happened while the property was occupied, the latter while unoccupied.0
-
And the OP's excess is likely to be £100 at least so he'll receive £100 at most.
Plus an increased premium next year......
Claim off the tenants is they left if or it was dumped during ther tenancy, otherwise suck up the cost.0 -
Get a skip? They are around half the price.
Couple of hours in and out filling it up, jobs a good'en.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
I'd love to know where you're getting skips from.
The mini-skip I had this time last year was nearly £300.
https://cheadleskips.com
£100+ VAT, I was looking a few months ago as I am getting some work done in a month or 2. There were a few in and around the £100 mark in our area. These were just the first ones up on google, not necessarily the cheapest.I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.4K Banking & Borrowing
- 252.1K Reduce Debt & Boost Income
- 452.4K Spending & Discounts
- 240.9K Work, Benefits & Business
- 617.3K Mortgages, Homes & Bills
- 175.7K Life & Family
- 254.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards