Terms & Conditions
Just Landlords is a trading name of Just Landlords Insurance Services Limited, Communications House, 26 York Street, London, W1U 6PZ. Just Landlords Insurance Services Limited is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 544289. Just Landlords permitted business is advising on and arranging insurance.
Our Service is to offer Just Landlords products only, which are underwritten by Certain Underwriters at Lloyd’s of London, except in respect of Rent Guarantee Insurance where the product is provided by MSL Legal Expenses and underwritten by Financial & Legal Insurance Company Ltd. You will not receive advice or recommendations from us. We will ask you certain questions to find out which of our policies best meets with your requirements. You will then need to make your own choice about how to proceed.
In the event of a claim arising where the policy is underwritten by Certain Underwriters at Lloyd’s of London then we will handle the claim on behalf of the Underwriters.
Quotations provided by us are guaranteed for a period of at least 30 days from the original quotation date, this is subject to the information provided by you not changing. The premium quoted by us is the total amount payable and will include all insurance premiums, insurance taxes and any administration fees. Cover is always subject to receipt of a satisfactory Statement of Fact. If the Statement of Fact contains information not previously disclosed we may amend any terms or premiums or we may withdraw cover.
Duty of disclosure
In deciding to accept insurance with us and in setting the terms and premium, we rely on the information you supply us. You must take care when answering any questions we ask by ensuring that all information provided is accurate and complete. Failure to do so may result in your insurance becoming invalid and any claim being refused and not paid or being reduced and not paid in full. If we establish that you carelessly provided us with false or misleading information it could adversely affect your policy and any claim. Should you have any doubts at all regarding any of the information given you should ask us.
Please remember that it is your responsibility to provide us with up to date, correct and accurate information for the entire life of the insurance policy, especially so when any policy is due for renewal. If you become aware that information you have given us is inaccurate or your circumstances change, you must inform your broker or us as your insurance intermediary as soon as practicable.
We recommend you retain a copy of all information you have supplied to us in relation to your insurance policy.
Payment and premiums
All insurance premiums must be paid at the time of requesting cover, unless we agree to allow a period of time for you to pay. If we do allow a period of time for you to pay then all payments must be made within this time frame or the insurance policy will be void.
It is your responsibility to pay any additional premium that may become due following an amendment to the policy. These payments must be made within 14 days of notification to you of the amount due. We will raise an invoice and send it to you when there is any additional premium to pay. Failure to pay any premium that is due within the agreed time limits will result in the insurance becoming void.
Renewal premiums must be received on or before the renewal date to ensure continuous cover, unless we agree to allow a period of time for you to pay. Any renewal that is not paid within the agreed time frame will result in the policy being lapsed or cancelled.
These payment terms apply at all times, unless we agree different payment terms with you or have agreed to allow you more time in which to pay.
Client money is money of any currency that we receive and hold in the course of carrying on insurance mediation on behalf of our clients or which we treat as client money in accordance with the client money rules. Client money will only be held as agent on behalf of an Insurer or Underwriter in accordance with a written agency agreement. This means that premiums paid to us by you are treated as having been received by the Insurer or Underwriter at the time you pay us.
You have the right to cancel a general insurance contract within 14 days of receiving the terms and conditions. Providing you have not made a claim we will refund the premium in full, but not any credit card fees paid when purchasing. We may cancel the insurance, giving a valid reason for doing so by giving you 14 days notice in writing to your last known postal address confirming that all cover has ceased. In this event we will refund your premium on a pro-rata basis. You may cancel the insurance by giving us 7 days notice in writing. In this event we will retain the policy setup fee then refund part of your premium less an administration charge of £20 as long as there have been no claims made or reported during the period of insurance.
Our aim is to always ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service. To make or submit a complaint you should, in the first instance, contact Just Landlords by emailing us at firstname.lastname@example.org, by writing to us at Communications House, 26 York Street, London, W1U 6PZ or by telephoning us on 0808 168 9220, a copy our complaints procedure is available upon request.
If you remain dissatisfied you may be entitled to refer your complaint to the Financial Ombudsman Service (FOS). Their details will be provided to you at the appropriate stage of the complaint process. The complaint procedure is without prejudice to your right to take legal proceedings.
Just Landlords, MSL Legal Expenses, Lloyd’s of London Underwriters are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we, MSL Legal Expenses, Lloyd’s of London Underwriter cannot meet our obligations. If you are entitled to compensation under the scheme, the level and extent of the compensation will depend on the nature of the contract. Further information about the scheme is available from the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St.Botolph Street, London, EC3A 7QU, Tel; 0800 678 1100, website; www.fscs.org.uk.
When you first insure with us you will be provided with the relevant policy wording with full details of how to make a claim under any of our insurance policies. When you first become aware of any incident that could give rise to a claim you should inform us immediately, this can be done online at www.justlandlords.co.uk or by telephoning us on 0808 168 9220. You will be required to complete a claim form, this can be done on our website by submitting a electronic claim form or by downloading a claim form to post back to us, we can also post one out to you if required. Alternatively your broker will be able to assist you in making a claim.
We will issue renewal notices to you at least 21 days before the policy is due to expire. You are required to confirm your acceptance of the renewal by way of payment of the full annual premium as set out in the section “Payment of Premiums” above. Please remember that it is your responsibility to ensure that all information detailed in the renewal document is correct and that any errors or incorrect information is notified to us before your policy expires so we can issue you with a correct renewal notice. If you pay your premium by direct debit your policy will automatically renew with us, if you do not wish to renew you must inform us so we can lapse the policy.
You can make amendments and changes to your insurance policy at any time upon receipt of full details from you. This can be done via the “Amend a current policy” section of our website, verbally over the telephone, via email or letter. An administration fee may be charged and any additional or return premium will be calculated on a pro-rata basis from the day the amendment or change takes place up until the expiry of the policy. If you wish to cancel your policy you can do so at any time by giving us 7 days notice in writing. Full details of our cancellation process can be found in the above section “Cancellation rights” or in your policy wording.
We may charge an administration fee of up to £15 per policy at inception and renewal in addition to the insurance premium. We may charge a £15 administration fee for any policy adjustments made, this will always be clearly shown on your documents and is always included in any quoted premiums.
Credit Card payment charges
If you wish to pay any premium due by Credit Card then we will pass on the cost of the transaction made by the banking industry. At the present time the cost of these transactions is 1.70% (we reserve the right to change this cost if the charge to us increases or decreases).
We do not currently charge for payments made by Debit Card as the cost made by the banking industry is relatively small.
We will not retain or withhold your insurance policy documents, all insurance policies are issued in full to you. When we first incept cover we will issue you with an annual Schedule of Cover which provides details about the risk along with the relevant policy wording. All documents issued to you should be kept together in a safe place and read as one continuous document. If you amend your policy at any time we will issue you with a revised Schedule of Cover. This will be sent with an invoice should any additional premium be due, or a credit note and refund if there is a return of premium due.
All telephone calls received or made by us may be recorded for monitoring and training purposes.
Third Party Rights
Unless otherwise agreed in writing, no term of this agreement is enforceable under the Contracts (Rights of Third Parties) Act 1999. Activities undertaken by us under this agreement are provided for your sole use and you shall not be entitled to permit third party access to this information without our express written permission.
You or we may terminate our authority to act on your behalf at any time without notice period or penalty. Notice of termination must be given in writing and will be without prejudice to the completion of any transactions already initiated. Any business currently in progress will be completed unless we receive your instructions to the contrary. Any fees outstanding at the date of termination will be due within four weeks of the termination date.
We do not guarantee the solvency of any Insurer we place business with. A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent. In the event that an insurer becomes insolvent or delays making a claims settlement we do not accept liability for any unpaid amounts.
This terms of business shall be governed by and construed in accordance with, the Laws of England and Wales and the parties submit to the exclusive jurisdiction of the courts of England and Wales.
All personal information held by us in relation to you will be treated with the utmost confidence and where appropriate, in accordance with data protection legislation, including the Data Protection Act 1998. You confirm that we may use and disclose information for the purpose of providing insurance and handling claims, if any, which may necessitate providing such information to third parties. These may include regulatory bodies, loss adjusters or underwriters connected to your policy.
Your information may be passed to other companies within the group who may wish to contact you in the future. Please contact us if you do not wish this to occur. Other than as stated we will not release information about you to anybody else or to any other company unless we are legally obliged to do so.