Renewing landlord insurance when Section 21 has been served

sclare

My landlord insurance is up for renewal. Will the fact that the tenants were served a section 21 notice a couple of weeks ago affect my cover? The insurance includes legal cover, and I'm not sure whether the insurer will see this as increasing their risk.
There's nowhere in the renewal document that suggests that I need to report the notice to them, but should I? If I don't, could it come back to bite me?

theartfullodger

When you read the insurance policy documents what did it say on that question please?  Apologies but can't read them from here. Have you read them please?

Having said that I'd be surprised.  

But check how long it permits the place to be unoccupied.


You'll realise s21 does not end tenancy nor compel tenant to leave.  Only a court can do that.  Probably 6months from s21 service if all paperwork perfect (unlikely to be perfect).

user1977

You don't need to declare things to insurers which they haven't asked you about. But as above, we can't see what your policy covers, or what they've asked you.

sclare

"When you read the insurance policy documents what did it say on that question please?"

It doesn't say anything. I've read every word of the renewal documents that I've been sent, and nowhere does it mention this situation, or ask any questions of fact that relate to it. That's why I came here @theartfullodger

And yes, I know it could be a very long time before they go, which is why I need to know if I will have legal support if necessary. And when they do go I'll get unoccupied property insurance.

theartfullodger

When you spoke with your insurers and asked, what did they say please?  Sigh...

sclare

theartfullodger said:

When you spoke with your insurers and asked, what did they say please?  Sigh...

I spoke to the brokers but the person I got didn't seem at all experienced and didn't seem to understand the question.
 
If my posts are irritating you, you're at liberty not to answer them. The "sigh" isn't exactly helpful advice!

user1977

sclare said:

theartfullodger said:

When you spoke with your insurers and asked, what did they say please?  Sigh...

I spoke to the brokers but the person I got didn't seem at all experienced and didn't seem to understand the question.

Unfortunately that's what tends to happen if you ask call centres something which isn't on their script.

But if the scenario is not asked about on their proposal form or features in an exclusion in the policy, it isn't relevant. You don't need to start being imaginative about things which you think affect their risk.

Bookworm225

what are you really concerned about?
- that the existing policy renews at a price you are happy with but does not cover potential legal action?
- that you renew a policy which is then cancelled because of failure to disclose a "material fact"?
- that you expect to undertake legal action and expect to claim against legal cover?

only the relevant insurance company can give you the answers you seek. Put it in writing...

theartfullodger

sclare said:

theartfullodger said:

When you spoke with your insurers and asked, what did they say please?  Sigh...

I spoke to the brokers but the person I got didn't seem at all experienced and didn't seem to understand the question.
 
If my posts are irritating you, you're at liberty not to answer them. The "sigh" isn't exactly helpful advice!

Thank you for your kind words