Worthless Landlords Insurance from Endsleigh

Dunscrimpin

A warning.

I have had occasion to make a claim over the severe damage caused to my flat by tenants, and their uninvited live in "guest". The claims department at Endsleigh swung into action by immediately quoting, " Page 9, just under the section detailing the exclusion of "Any damage in Northern Ireland," paragraph (b) states, " Loss or damage caused by You or any other person who is living in Your Property" is not covered by your policy." I take it, that if, extending this principle, I were to be driving a car involved in an accident, I would similarly be disqualified from claiming, on the basis, that I was living in the car at the time. Have the company in question, the right to charge me money for expressly not insuring me for what I asked them to provide me a policy for, i.e. any damage to my property, caused by the tenants? Is this catchall exclusion a general feature of such policies, which in my opinion, would mean we are once again being duped by companies eager to see our money, but not prepared to live up to their advertised commitments?

Chastened, saddened, more world weary than before,

D.

Dunscrimpin

Hi,

This is my original thread, relating to my dissatisfaction with a policy for tenanted buildings insurance.

D.