property insurance

At Caxtons we believe in providing the very best property insurance for our clients.

We take the complexity, worry and delay out of the entire insurance process, advising our clients from policy inception through to claims settlement.

taking the
challenge
out of property

a unique, innovative and exclusive property owner’s insurance policy

As a business owner you will have numerous hats you need to wear to ensure the smooth function of your company on a day to day basis, indeed so many that sometimes it is difficult to peer into the territory of ‘what ifs’.

We have sourced a unique, innovative and exclusive property owner’s insurance policy through which to insure our clients’ properties. The Pi-Property policy takes the hassle out of insurance and, as many of our clients have already discovered, exceeds their expectations in this vital area or property management.

Caxtons’ insurance department specialises in providing a variety of property insurances to more than 600 clients, covering a broad spectrum of over 1,000 properties country wide, with a total sum insured in excess of £2 billion and total premium spend of over £2 million.

As a result of our substantial insurance portfolio and excellent reputation in the sector our residential and commercial property policy benefits include:

Cover

  • Full ‘All Risks’ cover
  • Property owners liability insurance of £25m
  • A wide range of unique and exclusive additional benefits
  • Terrorism cover available
  • Policy excesses may apply

Claims:

  • Fast track arrangement for claims up to £5,000. Claims settled by BACS upon receipt of final invoice
  • Streamlined system for processing larger claims resulting in quick and fair settlement with a minimum of fussQuotations:
  • Comprehensive quotes normally provided within 24 hoursDocumentation:
  • Policy documents and certificates available to Caxtons on-line therefore no delay in issue
  • Available electronically or hard copy

Competitive Premiums:

  • Our clients benefit from the genuine purchasing power we are able to exercise as a result of the substantial insurance portfolio and excellent reputation we have established within the insurance sector. This helps us maintain extremely wide cover at competitive premium rates.

For advice, more information or to get a quote, please get in touch with our insurance team who will be happy to discuss your requirements.

Bethan Smith

Head of Insurance Services

T: 01474 531765
E: [email protected]

extremely competitive premium rates, cover that is second to none.

Under Caxtons’ exclusive insurance cover through Pi-Property Insurance not only are our premium rates extremely competitive, the extent of the ‘All-Risks’ cover provided under the policy is second to none.

As well as the cover you would expect to see in a property owner’s policy, such as malicious damage, landlord’s contents and property owner’s liability, our policy features a number of additional benefits. These covers are often utilised and regularly provide financial assistance to policyholders when many alternative policies would not respond in the same way as these case studies illustrate:

Fly tipping: Two lorry loads of used tyres were dumped on the forecourt of a client’s premises, which had to be removed. Claim paid – cover up to £100,000.

Tree removal: A large tree fell from adjacent land (owner unidentified) causing damage to the boundary fence and a significant cost in cutting up and removing the tree. As the building was not damaged many policies would not respond. Claim paid – cover up to £10,000.

Malicious Damage: A joyrider drove a vehicle through communal gardens, causing significant damage to shrubs, lawns and a paved area. Claim paid – automatic cover up to £50,000.

Trace and access: A leak in a block of flats proved very hard to find, and significant costs were incurred in tracing the source. Many insurers limit their exposure. Our cover provided for unlimited costs.

In addition to our property owners policy we are also able to provide other property related insurances such as:

  • Directors and Officers liability insurance
  • Engineering cover
  • Contract works cover
  • Property owner’s liability

Experience has shown that, on occasion, property owners, tenants and management companies are not well served by their property insurance brokers. We have worked with our insurance brokers Clear Insurance Management (formerly Morrisons Insurance Solutions) for over 15 years and have an extremely proactive and close working relationship enabling us to provide a property owner’s insurance you can rely on.

Our no-obligation quotation has proved attractive to many new clients, who have discovered the benefits of this exclusive Caxtons’ property owner’s insurance scheme.

 

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Caxtons is registered with the Financial Conduct Authority as an Appointed Representative of multi-award winning insurance broker, Clear Insurance Management Ltd. Treating the customer fairly, high service standards and duty of care are an integral part of our insurance services. We aim to exceed expectations in the provision of the vital service of residential and commercial property owners insurance.

Caxtons is regulated by the Royal Institution of Chartered Surveyors (RICS).

insurance department

We really appreciated your explanation on Friday of the comparisons between the quotes, and your personal involvement to negotiate a reduction. These things are not fully understood by us and it is really reassuring to have your help and expertise.

Block management, insurance client

insurance department

As clients we are happy with your current provision for the Block, Public Liability & Directors & Officers insurance. There is a professional valuation (Reinstatement Cost Assessment) carried out every three years, which calculates the declared value for the block. We are pleased that this includes a provision to completely rebuild the block, and to re-house all Leaseholders for the duration of the re-build. We can also confirm that we are happy with the service provided by Caxtons’ insurance department.

Chairman of a residents' block management committee