Commercial
For properties used as business premises.
Get an Intact Insurance landlord insurance quote
How good is Intact Insurance landlord insurance?
How good is Intact Insurance landlord insurance?
Defaqto rating (landlord insurance)
⭐⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key benefits:
✔ Discounts for multiple premises, with cover for up to 25 premises on one policy
✔ Average free so you’re more likely to receive a full pay out for rebuilding costs
✔ Unoccupied properties can be covered for up to 90 days
✔ Cover for up to £10,000 for theft and malicious damage by tenants
What types of property can I insure with Intact Insurance?
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Residential
For buy-to-let properties that you rent out.
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Multi-Property
If you own multiple buy-to-let properties.
What extras can I add to my Intact Insurance landlord insurance policy?
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Rent receivable
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Employers liability
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Personal accident
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Commercial legal expenses
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Terrorism cover
How much does landlord insurance cost?
Annual Price | Cheapest | Average |
|---|---|---|
Buildings Insurance + Properties Owners' Liability | £179.34^ | £251.24^ |
Buildings Insurance + Properties Owners' Liability + Contents Insurance | £201.81^ | £291.93^ |
What’s the cheapest price I could pay for landlord insurance?
£14
.95^ per month
According our data, 10% of our customers paid this amount or less a month for their building cover and property owner's liability landlord insurance.
How do I contact Intact Insurance?
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By Phone
Commercial property claims helpline (Monday to Friday: 9am to 5pm): 0330 102 4100
Emergency support - property (24/7): 0345 300 4006
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By email
commercial.propertyclaims@intactinsurance.co.uk
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By post
20 Fenchurch Street, 1 Leadenhall Street, London EC3M 3AU
How do I make a claim with Intact Insurance?
When you take out Intact Insurance landlord insurance through MoneySuperMarket your insurance is provided by Intact Insurance but managed by the insurance broker Simply Business. It will handle your insurance claim.
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Contact Simply Business
You can do this online or you can call them on 0333 207 0560. Lines are open 24/7.
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Provide evidence
This could include a crime reference number, photos of damage, and repair quotes.
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Claim is accepted or rejected
If your claim is successful (most are), you will generally receive a payout within 24 hours.
Frequently Asked Questions
Is it worth having landlord insurance?
Yes, landlord insurance can offer crucial financial assistance if something should happen to your property. Although it isn’t a legal requirement, it gives you peace of mind that you’ll be protected, and it is usually a condition of a buy-to-let mortgage.
Can I cancel my Intact Insurance policy and switch to another insurer?
Yes, everyone has the legal right to cancel within the 14 day ‘cooling off’ period. You will receive a full refund provided you have not made a claim or an incident has occurred that could give rise to a claim.
If you cancel after 14 days, you need to give 14 days’ notice in writing to your broker, intermediary or agent to receive a proportionate refund, based on the number of days
remaining in the period of insurance. If a claim has been made (or an incident advised that
could give rise to a claim) during the period of insurance then you won’t get a refund.
Who underwrites Intact Insurance?
Intact Insurance is underwritten by its parent company, Intact Financial Corporation.
What are the policy limits with Intact Insurance landlord insurance?
The maximum limits for landlord insurance from Intact Insurance are:
Buildings: £15,000,000 (minimum limit available is £40,000)
Landlords contents: £1,500,000
Public liability: £10,000,000 (minimum limit available is £2,000,000)
Glass and sanitary ware: Unlimited
What are the key exclusions with Intact Insurance landlord insurance?
Wear and tear
Damage caused by storm or flood resulting from frost, subsidence, ground heave or landslip or attributable solely to changes in the water table level
Damage which originated prior to the start of cover
You should check your policy document for the full list of exclusions, particularly if you have opted for add-ons to your insurance such as commercial legal expenses.
What is the voluntary excess with Intact Insurance?
The standard voluntary excess for landlords buildings and contents insurance with Intact Insurance is £200 but £100 and £500 options are available.
The minimum excess for escape of water is £500.
Why compare landlord insurance quotes with MoneySuperMarket?
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Quotes from 15^ UK insurers
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
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Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
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Quick and easy
Give us a few details and we'll show you multiple quotes in minutes, saving you time and effort.
What do I need to get a landlord insurance quote?
Property details
Such as the address, date of purchase, when it was built, and if it's commercial or residential
Basic tenant information
Their employment status and which background checks you perform.
Level of cover you need
You can choose whether to cover the building only or building and contents.
Additional policy add-ons
If you want any optional extras with your insurance, such as legal expenses, accidental damage, landlord emergency cover or excess protection.
Current insurance policy documents
Basic details of your existing policy, including any previous claims history.
What other insurance does Intact Insurance sell?
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Tradeperson
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Commercial vehicles
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Cyber cover
Trusted Service Awards Winners
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
According to Simply Business data, 10% of customers paid £179.34 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £251.24 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 10% of customers paid £201.81 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £291.93 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
accurate as of Sept 2025
According to Simply Business data, 10% of customers paid £14.95 or less monthly for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
Defaqto is a leading independent reviewer of financial products. Five stars is for 'an excellent product with a comprehensive range of features and benefits'. Individual insurance products from Intact Insurance (formerly NIG) will have different ratings. Data from the Defaqto website. Data from November 2025.
Intact Insurance (which rebranded from NIG in October 2025) offers insurance for landlords with up to 25 premises. Its landlord insurance is only available via registered insurance brokers, such as Simply Business.