Free fact finder · United Kingdom
Property owners' insurance fact finder
Built from Ecclesiastical's and Camberford's property owners forms, DUAL's unoccupied property form and Plum's PropertyWorks form. Each question is asked once in plain English. Send it to your client and their answers fill each insurer's form.
- No login needed
- Fillable PDF with your logo
- 133 questions
- Written for UK rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Are all the properties let on full repairing leases, so tenants are responsible for repairs?Where your client keeps the repairing duty, they carry more of the risk of damage and injury.
- 2Is cooking limited to fixed cookers and hobs in proper kitchens?Cooking on portable stoves in bedrooms is a common cause of fires in let homes.
- 3Has any building ever suffered subsidence, heave or landslip?Subsidence is costly to put right and is often excluded where there is a history.
- 4Is there any tree or shrub taller than 3 metres within 10 metres of a building?Roots draw water from clay soil, a common cause of subsidence.
- 5Does the trade of any current or past occupier carry a real risk of polluting the property or nearby land?Owners can be held responsible for cleaning up pollution, even when a tenant caused it.
- 6Would you like terrorism cover?Terrorism is excluded from standard UK property policies and is bought separately.
The properties
What is owned and where, the owners behind it, any lender, rent and terrorism cover.
Tenants and homes
Who uses each property, repairing leases, HMOs, students, short-term lets and common parts.
The buildings
Repair, construction, asbestos, lifts and plant inspections, car parks and planned building work.
Ground, water and trees
Subsidence history, trees near buildings, watercourses and pollution from past occupiers.
Empty property and claims
How empty buildings are secured and checked, past losses, current insurer and the limits needed.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts the demands and needs for you to finish.
Free 14-day trial
Minimum cover
What sets the limit
We know of no law that sets a minimum property owners' liability limit in the UK. Employers' liability is compulsory if the owner employs staff.
- Lenders
- A mortgage or commercial loan often requires liability cover at a set limit, with the lender's interest noted. Check the loan terms.
- Leases and managing agents
- A lease or a managing agent's terms may set the limit for the common parts. Check each one.
- Health and Safety Executive
- Most employers must hold employers' liability insurance with an authorised insurer, with cover of at least £5 million.
A summary, not advice. Check each loan, lease and agent's terms before setting a limit.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the demands and needs statement
- Next year, your client only confirms what changed
Before you ask
Questions about the property owners fact finder.
- Is the property owners' fact finder really free?
- Yes. Answer it on the page as your client would, then download it as a fillable PDF with your logo, with no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- Which insurers' forms does it fill?
- Property owners forms from Ecclesiastical, Camberford (residential property owners), DUAL (unoccupied property owners) and Plum (PropertyWorks). It also fills general cyber and management liability forms, from insurers including CFC, Chubb, DUAL and Travelers. The page shows how much of each one it fills.
- Is there a minimum limit for property owners?
- Not for property owners' liability that we know of. Lenders, leases and managing agents usually set it. Employers' liability is compulsory if your client employs staff, with cover of at least £5 million.
- Does it cover HMOs and unoccupied property?
- Yes. It asks about bedsits and houses in multiple occupation, student and council lets. If a property is empty it asks how long for, how it is secured and how often it is checked.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder