CIA Insurance landlord insurance review

We've reviewed the landlord insurance through CIA Insurance. It covers several different properties and tenant types including professionals, students and asylum seekers.

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CIA Insurance

Landlord insurance could protect you if something goes wrong with your rental property. It’s not mandatory to have this type of cover but it could offer you peace of mind that you won’t be out of pocket if the unexpected happens.

The landlord insurance offered through specialist broker CIA Insurance is available for both residential and commercial properties and offers discounts to landlords with multiple properties in their portfolio. It can offer building cover and contents cover separately, with accidental damage coming as standard. What’s more, it also has a price guarantee, so if you find a like for like quote that’s cheaper, CIA Insurance will either match that quote or beat it. Here’s what else we think you should know.

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Who is CIA Insurance?

CIA Insurance is a specialist insurance broker that was created in the mid 1990s.

It arranges a variety of residential and commercial landlord insurance, including listed building, rent guarantee, buy to let, legal expenses, unoccupied property, UK holiday home and multiple property insurance.

CIA Insurance is a trading name of CIA Insurance Services Ltd.

What is covered under my policy?

CIA Insurance’s landlord buildings insurance provides a range of features, including:

  • Loss of rent cover
  • Accidental damage
  • Malicious damage and theft caused by tenants
  • Employer’s liability
  • Property owner’s liability
  • Unoccupied property cover

For a full list of policy features, you’ll need to contact CIA Insurance directly otherwise check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

It is unclear whether CIA Insurance offers any additional protection that can be bolted on to a landlord insurance policy so you will need to contact CIA Insurance directly.

However, it does have a range of policies that may be suitable to add on to a landlord insurance policy such as:

  • Loss of rent cover
  • Rent guarantee cover
  • Legal expenses cover

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about any excesses in your policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your CIA Insurance landlord insurance premium, including:

  • Your sum insured. The greater the amount you wish to insure your property or contents for, the more you can expect to pay for cover.
  • Your property. The age of your property and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your property is located. Certain risks, for example storm or theft, are more prevalent in certain areas and insurers will take this into consideration when calculating your premium.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for CIA Insurance?

You will need to refer to your policy document and the claims process contained within it to make a claim. The process and the claims line will vary depending on which insurer underwrites your policy.

CIA Insurance has a list of the claim lines for each insurer available on its website.

You’ll need to have your insurance policy details as well as all facts about any incident to hand.

Depending on the nature of your claim, you will also likely need to provide the following information:

  • Your policy details and personal contact details.
  • The date of the incident.
  • Details such as the cause of the incident.
  • The value of any lost or damaged items being claimed for.
  • Names and addresses of any other people involved in or responsible for the incident, including details of injuries.

It’s vital that you let your insurer know about an incident as soon as possible. Failure to do this could result in a rejected claim later on.

CIA Insurance pros and cons

Pros

  • Landlord insurance can cover a wide range of properties and tenant types.
  • Landlord insurance for both residential and commercial properties.
  • Accidental damage included as standard.

Cons

  • Although CIA Insurance can tailor policies to suit specific requirements, there is no information about specific optional extras to enhance landlord insurance.
The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
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