Product Comparison Table

Our own products are compared below. If you would like to see a comparison against our competitor's products, please select a competitor from the list.

Mainstream Insurers

Comparison of leading Property Owners Products with Property Protector (as at January 2009)

View Schemes Comparison

  • AXA
    Release Residential

  • Allianz
    Complete Property

  • Direct Line
    Direct Line

  • Fortis
    Propery Owners

  • Groupama
    Groupama

  • MMA Insurance
    Landlords

  • Aviva
    Residential Property

  • Zurich
    Residential Property

  • NIG
    Property Owner

  • LV=Liverpool Victoria
    Property Owners Insurance

  • Silver
    Property Protector

  • Property Protector Bronze
    Bronze

Property Protector Gold Property Protector Silver AXA Allianz Direct Line Fortis Groupama MMA Insurance Aviva Zurich NIG LV=Liverpool Victoria Silver Property Protector Bronze
Standard level of cover Accidental Damage Accidental Damage Standard Perils Accidental Damage Accidental Damage Standard Perils Accidental Damage Standard Perils Standard Perils Accidental Damage Standard Perils Accidental Damage Accidental Damage Accidental Damage
Tenant Acceptance Criteria Prof/DSS/Student All tenancy types Prof preferred Prof Preferred Prof Preferred Prof only Prof Preferred Prof only Prof Preferred Prof Preferred Prof Preferred Prof/DSS/Students All tenancy types All tenancy types
Basis of contract Statement of fact Statement of fact Statement of fact Statement of Fact Statement of Fact Statement of fact Statement of Fact Statement of Fact Statement of Fact Statement of Fact Statement of Fact Statement of Fact Statement of fact Statement of fact
Terrorism Cover tick cross cross Optional cross cross cross cross Optional tick cross cross tick cross
Trace & access cover £100,000 £50,000 £5,000 £1,000 £10,000 £5,000 £5,000 £5,000 £25,000 £5,000 £10,000 £ 5,000 £25,000 tick upto £5,000
Lock Replacement cover £25,000 £5,000 £250 £1,000 £1,000 £1,000 £500 £1,000 £2,500 £1,000 £1,000 £ 2,500 £5,000 £500
Alterations/Capital Additions 20% of £1M nil up top £1M 10% or £250k 10% or £500k 10% or £250k 10% or £250k cross 20% or £500k 20% or £500k 10% or £500k 10% or £250,000 nil nil
Loss of metered utilities No limit £5,000 £500 £500 £5,000 £2,500 £10,000 £1,000 £5,000 £5,000 £5,000 £ 5,000 £1,000 £5000
Alternative Accommodation 30% Sum Insured 30% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured (optional) Maximum £25,000 33.3% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured 30% Sum Insured 30% Sum Insured
Loss of Rent/Indemnity Period 30% 12/24/36 mths 30% / 12 mths 20% / 12 mths 20% / 12 mths (optional) (optional) Maximum £25,000 33.3% / 12 mths 20% / 24 mths 20% / 36 mths 20% / 24 mths 20% 12 mths 30% / Unlimited 30% / 12 mths
Property Owners Liability £5M £5M £2M £2m £2m £2m £2m £2m £5m £2m £5m £ 5M £5M £2M
Employers Liability tick Domestic Employee cross cross (optional) tick tick tick Optional tick Optional £ 10M tick Domestic Employee
Subsidence Cover tick tick tick tick (optional) tick cross tick tick tick tick tick tick tick
Malicious Damage By Tenant tick tick cross cross cross cross cross up to £5,000 cross cross cross tick tick tick up to £5,000
Damage to Glass tick tick tick tick tick tick tick tick tick tick tick tick tick tick
Landscaping costs £25,000 cross £1,000 £2,500 £25,000 £5,000 £10,000 £1,000 £25,000 No Limit £25,000 £ 25,000 cross cross
Inspection Warranty (empty) after 45 days after 90 days after 30 days (Immediate) after 20 days after 21 days after 21 days after 7 days after 30 days after 30 days after 30 days after 45 days after 90 days after 90 days
Empty Building resitrictions none after 90 days after 30 days (immediate) after 20 days after 21 days after 21 days after 30 days after 45 days after 30 days after 45 days after 45 days after 90 days after 90 days
Court Attendance up to £250 a day up to £250 a day nil up to £250 per day up to £250 per day up to £250 per day up to £250 per day nil up to £250 per day up to £100 per day up to £250 per day up to £250 a day up to £250 a day up to £250 a day
Legal Expenses Cover Included/optional Optional Helpline only £50,000 Helpline only £50,000 Helpline only Helpline only Optional £50,000 Optional Included Optional Optional
Rent guarantee Optional Optional cross nil nil nil nil nil nil nil nil Not available Optional Optional
Legal indemnities tick cross cross cross cross cross cross cross Not available cross cross
Policy Excess                            
Fire, Lightning, Explosion, Aircraft nil £100 £100 £250 £200 £100 £250 £50 £50 £50 £50 £ 100 £100 £250
General Excess £100 £100 / £250 EOW £100 £250 £200 £100 £250 £50 £100 £100 £100 £ 100 £100 £250 / £1000 EOW
Subsidence £1,000 £1,000 £500 to £2,500 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £ 1000 £1,000 £1,000

Schemes

Comparison of leading Property Owners Products with Property Protector (as at January 2009)

View Mainstream Insurers Comparison

  • Broker Network
    Property Owners

  • Andrew Copeland
    Property Protection

  • APC

  • Towergate
    Property Policy

  • Commercial Express
    Property Owners

  • RentGuard Insurance

  • Vasek
    Property Owners

  • Property Protector Bronze
    Bronze

Property Protector Property Protector Silver Broker Network Andrew Copeland APC Towergate Commercial Express RentGuard Insurance Vasek Property Protector Bronze
Standard level of cover Accidental Damage Accidental Damage Accidental Damage Standard Perils Standard Perils Standard Perils Standard Perils Accidental Damage Accidental Damage Accidental Damage
Tenant Acceptance Criteria Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student Prof/DSS/Student All tenancy types
Basis of contract Statement of fact Statement of Fact Proposal Form Proposal Form Statement of Fact Proposal Form Statement of Fact Statement of Fact Statement of Fact Statement of fact
Terrorism Cover tick cross cross cross cross tick cross tick tick cross
Trace & access cover £100,000 £25,000 £30,000 nil £5,000 £1,000 tick £5,000 nil tick upto £5,000
Lock Replacement cover £25,000 £5,000 £5,000 £250 £1,000 £500 nil £1,000 nil £500
Alterations/Capital Additions 20% of £1M nil 20% or £2m up to £1m nil nil nil nil nil nil
Loss of metered utilities No limit £5000 £25,000 £750 £5,000 £1,000 £5,000 £5,000 £250 £5000
Alternative Accommodation 30% Sum Insured 30% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured 20% Sum Insured 30% Sum Insured nil 30% Sum Insured
Loss of Rent/Indemnity Period 30% / 12 mths 30% / 12 mths 20% / 12 mths 20% / 12 mths 20% / 12 mths 20% / 12 mths 20% / 12 mths 30% / 12 mths 100% / 12 mths 30% / 12 mths
Property Owners Liability £5M £5M £1m £1m Optional £2m £1m £2m £5m £2M
Employers Liability tick Domestic Employees £5m £5m Optional cross £10m £10m £10m Domestic Employee
Subsidence Cover tick tick tick tick tick tick tick tick tick tick
Malicious Damage By Tenant tick Included cross cross loss (contents) cross £5,000 max cross tick tick up to £5,000
Damage to Glass tick tick tick tick tick tick tick tick tick tick
Landscaping costs £25,000 cross nil nil nil £1,000 nil £5,000 nil cross
Inspection Warranty (empty) after 45 days after 90 days after 30 days after 30 days after 30 days after 30 days after 30 days As soon as possible after 30 days after 90 days
Empty Building resitrictions None after 90 days after 30 days after 30 days after 30 days after 30 days after 30 days after 90 days Not Applicable after 90 days
Court Attendance up to £250 a day nil nil nil nil nil nil nil nil up to £250 a day
Legal Expenses Cover Included Optional Legal Advice Only Legal Advice Only Optional Optional Optional Optional Not Available Optional
Rent guarantee Included Optional nil nil Optional nil Optional Optional nil Optional
Legal indemnities tick cross cross cross cross cross cross cross cross cross
Policy Excess                    
Fire, Lightning, Explosion, Aircraft nil £100 £100 £100 - £250 £100 £100 - £250 £100 - £250 £100 - £250 £50 £250
General Excess £100 £100 / £250 EOW £100 £100 - £250 £100 £100 - £250 £100 - £250 £100 - £250 £50 £250 / £1000 EOW
Subsidence £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000 £1,000

 

i. This chart provides an "at a glance" comparison of standard cover offerings with other leading property owners products to assist you with any recommendation to your client.
ii. Every attempt has been made to ensure the accuracy of the information on this chart - Errors or Omissions are excepted.
iii. Any logos or trademarks shown are copyright of their respective owners.