Select

Select caters for a huge range of property types, and tenancies, both residential and commercial, and is particular competitive on blocks of flats, offices and larger commercial risks.

Underwritten by AXA, this contract has several additional covers not available on other open market products, some of which are exclusive to Property Protector.

Key Features

  • Accidental Damage
  • Subsidence Cover automatically included
  • Loss of rent cover automatically cover up to 30%, over 12, 24 or 36 months (residential only)
    • Commercial must specify sum insured and limit of indemnity
  • £5m Property owners liability cover
  • Lock/Key replacement £5,000 (any one loss)
  • Malicious damage & theft by tenant included
  • Contract works cover
  • 90 days unoccupied cover for residential property
  • Optional Directors and Officers extension
  • EXCLUSIVE FEATURES outside of open market 
  • 60 days unoccupied on commercial property (usually 30 days)
  • £50,000 Trace and access
  • Illegal cultivation of drugs cover (residential properties)
  • Loss of Rent cover automatically cover up to 30%, over 12, 24 or 36 months or Alternative Accommodation 24 months (33.33%) (residential only)
    • Commercial must specify sum insured and limit of indemnity
  • £5m Property owners liability cover
  • £2m/20% Capital additions

If you have any questions, our underwriting team are here to answer them.

Get In Touch

Downloads

Property Protector Select Policy Summary - Effective 1.2.25

Property Protector Select Policy Wording - Effective 1.2.25

Property Protector Select Policy NTP - Effective 1.2.25

Property Protector Select Leaseholder Policy Information - ACLD1438Z-A-1468862 (10.24)

Property Protector Select TMS Distributor Product Information Request) - BROKER USE ONLY - Effective 9.2025

Testimonials

Account Executive

Ascend Broking Group

"Property Protector has been an invaluable asset in providing cover for our clients, particularly the feedback from many members of staff is the breadth of cover on the unoccupied product. We’ve been more than impressed with the service from the underwriting team and look forward to working with them going forward.  "

Michael Stammers, Cert CII

Compliance Manager, LBH Insurance

"Huge thanks to Darren Holmes who has managed to save one of our loyal customers a significant amount of money today.  Speedy response and client is happy.  And special thanks to Kevin Tellis, BDM for his recent visit hence my referral to Darren. "Great Service, highly recommended, portfolios & property insurance"  "

Rachael Carrington CERT CII

Broking Manager, PHP Insurance, Chartered Insurance Brokers

"I just wanted to drop you a message as I think it’s important to give positive feedback when it is deserved. My team of handlers cannot speak highly enough of the guys at PP; whether it be new business, adjustments or renewals stage the service is second to none and VERY unlike the rest of the market. This has always been the PP way and it’s great to see nothing has got in the way of this. Your team are a real pleasure to work with and we look forward to working more with you in the future."

Andy Price Haworth, Cert CII

Client Director, Konsileo

"Having worked with Property Protector for a while now it was a no-brainer when I had a difficult-to-place risk, being a grade 1 listed block of flats made it even worse or so I thought. When speaking to the team at Property Protector I can speak to a real person and discuss the risk rather than a “computer saying no” scenario. The service and help I got on the risk was second to none and I won the business due to this. Having access to Property Protector Prestige, a heritage insurer that understands the risks involved with a listed building was key. I would highly recommend Property Protector Prestige for any heritage buildings that are coming up for renewal."

Mark Felman ACII

Managing Director, EFM Merenda Insurance Brokers & Advisers

"Based upon our recent experience, the Property Protector product is keenly rated and provides a wide scope of cover, underwritten by a quality provider. I would have no hesitation in recommending."

Nick Toghill

Broking Manager, Movo Insurance Brokers

"Top quality service as always gentlemen."

Mike Jeffery

Proprietor, Jeffery Associates Chartered Insurance Brokers

"Jeffery Associates Chartered Insurance Brokers have worked closely with the team at Property Protector for many years now, and without fail always find their service, knowledge, and support to be of an excellent standard.  Attributes that are of course sadly lacking with many providers/insurers in modern times!  We would highly recommend that any broker who has not given them a try does so."

Adam Verney

Director, Townends Insurance Brokers

"We have worked with Property Protector since they started their property owners’ scheme, in fact we wrote the first policy with them back in 2002. What continues to appeal to us are the following:

  • Ability to deal with people not computers
  • Speed of service but time to understand the risk and the customer
  • Pragmatic underwriting
  • Willingness to become involved if things do go awry with insurers
Other players have entered the market but often drop away after a year or two having had their fingers burnt. The team at Property Protector build long term relationships with insurers and brokers alike."

Mark

Thorntons Insurance Services

"Excellent service with both quote turnaround and issue of policy paperwork.  Definitely one to use going forward."

Steve Allwright

Director, Firth & Scott Insurance Brokers

"Firth and Scott have been placing both residential and commercial property owners business on the Property Protector Scheme since 2002. During this period we have found the underwriting staff sympathetic and flexible in meeting our clients’ needs.  The policy wording in respect of unoccupied premises has proven to be an extremely popular policy benefit with our clients.  When called upon, we have found the claims handling service to be proactive, efficient and fair."

Tom Butler

Director, Schofield Insurance Brokers

"As a broker who also runs specialist schemes (Subaru, Isuzu & Football Agents PI) I have no hesitation in recommending Property Protector as a market for all classes of property owners business. Their specialist knowledge of their market is first class, treating us and their insurers with respect and subsequently they are able to obtain quality products at reasonable prices."

Nicolas Martin

Director, Guy Penn & Company

"Since commencing using Property Protector in 2005, we have been very impressed not just with the breadth of cover (which automatically includes Accidental Damage), and competitive pricing but also with the excellent service we receive which results in our obtaining quotations and cover confirmations within 24 hours of request in most cases"