HMO Quote

Please answer the questions carefully and to the best of your knowledge, as our quotation will be based on the details you provide. Incorrect information could lead to an increased premium, claim being declined or invalidate an insurance.

Step 1 of 7 - Your details

Your details
Renewal date or cover start date?*
DD slash MM slash YYYY

Quotes valid for up to 30 days
Occupancy of the property to be insured?*
Does the property fall within the definition of multiple occupation as defined by the Housing Act?
Is the property divided into bedsits?*
Property divided up into one-roomed units of accommodation typically consisting of combined bedroom and sitting room with cooking facilities
Is the property your main owner occupied residence?*

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Enter details of the proposer, with option to add a joint proposer
Name?*
Title First name Surname
Date of Birth?*
Occupation?*
Type to use search 🔍
Email address?*
Enter Email Confirm Email
Telephone number?*
Please enter a valid phone number in UK format, starting 07, 01, 02 or +44, with no spaces
Joint proposer?
Name?*
Title First name Surname
Date of Birth?*
Occupation?*
Type to use search 🔍

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Enter details about the property to be insured
Insured address*
Street Address Address Line 2 City Postcode

England, Scotland and Wales addresses only
Approximate year property built?*
Approximate year property purchased?*
Number of bedrooms?*
Type of property?*
Type to use search 🔍
Construction of the external walls?*
Construction of the roof?*
Type to use search 🔍
Approximate percentage of any flat roof?
Type of property ownership?*
Is the property a listed building?

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Enter details about the buildings cover required
REBUILDING cost of the property £?*
Input your sum insured
Accidental damage cover required for buildings?
Buildings voluntary excess (with a premium discount)?*

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Optional landlord's contents
Do you require contents insurance?
CONTENTS sum insured £?*
Input your sum insured
Accidental damage cover for contents?
Contents voluntary excess (with a premium discount)?*

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Security details
Are all external doors fitted with 5 lever mortice deadlocks or UPVC / aluminium doors fitted with a multi point locking system?*
Are all accessible windows fitted with key locks?*
Is there a professionally installed burglar alarm, with an annual maintenance contract?
If yes, alarm connected to a monitoring station?

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About the property and the insurance proposer(s)
Is the property in a good state of repair and to your knowledge, free from damage or defect and will you continue to maintain it properly in the future?*
Will the property be unoccupied for a continuous period exceeding 60 consecutive days?*
Please give details*
Do you plan on carrying out any renovations, conversions, extensions or other structural alterations to the property in the next 12 months?*
Please give details*
Will any trade or business be carried out in your property?*
Type to use search 🔍
Has the property ever been damaged by subsidence, heave or landslip, monitored for subsidence, survey reported movement, showing signs of cracking or within an area subject to subsidence?
Please give details*

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Are there any trees or shrubs over 5 metres tall within 5 metres of the property?
Please give details*
Is the property within 250m of any riverbank, sea front, lake, reservoir or quarry?*
Please give details*
Has the property or the neighbouring area ever flooded or in an area at risk of flooding?
Please give details*
Any unspent criminal conviction(s) or pending prosecution(s)?
Please give details*
Ever been declared bankrupt, have any CCJs, IVAs or arrangements with creditors?
Please give details*
Ever had an insurance proposal declined, had a policy cancelled by an insurer, renewal refused or had special terms imposed?
Please give details*
Made any claims under home insurance policy for this or any other property or any incidents of damage or loss not insured, in the last 5 years?
Please give details*
Month / Year Type of Claim / Brief Description Cost £

Input details in each box, as incomplete or missing information will mean we cannot quote
Hidden
IMPORTANT INFORMATION WHICH MUST BE READ IN FULL
The information contained in this Statement of Fact forms the basis of your policy and is fundamental to the risk assumed by the Insurers. You must notify Ember JD Insurance Brokers immediately if any of the above details are incorrect as your cover might be invalidated if you do not. Misrepresentation We declare that to the best of my knowledge and belief the information I/We have provided in connection with this proposal to Ember JD Insurance Brokers, whether in my own hand or not, is true and complete and I/We have not withheld or misrepresented any information. I/We ask underwriters to act upon the information provided and issue a contract of insurance between us and I/We agree to accept underwriter’s policy terms, conditions and exclusions. I/We consent to the seeking of information from other insurers to check the answers I/We have provided and I/We authorise the giving of such information for such purposes. I/We understand that if I/We have withheld or misrepresented any of the information contained in this proposal, underwriters may be entitled to void the insurance. Data Protection Act 1998 By accepting this Statement of Fact you consent to Ember JD Insurance Brokers using the information we may hold about you for the purpose of providing insurance and handling claims, if any, and to process sensitive personal data about you where this is necessary (for example, health information or criminal convictions). This may mean we have to give some details to third parties involved in providing insurance cover. These may include insurance carriers, third party claims adjusters, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities. Where such sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use by us as set out above. The information provided will be treated in confidence and in compliance with the Data Protection Act 1998. You have the right to apply for a copy of you information (for which we may charge a small fee) and to have any inaccuracies corrected. Basis of Cover I understand that my acceptance of this Statement of Fact does not bind me to complete the insurance but agree that, should a contract of insurance be concluded, this Statement of Fact and the statements made in it and the information provided in connection with it will be relied upon by the underwriters in deciding whether to accept this insurance. Your records You should keep a record (including copies of any letters) of all information supplied to Ember JD Insurance Brokers for the purpose of entering into this insurance. Change in Circumstance You must inform Ember JD Insurance Brokers of any change in circumstances which may affect this insurance. If you are in any doubt you should consult Ember JD Insurance Brokers. E.U. Disclosure Clause (UK) Notice to the Proposer / Insured: The parties are free to choose the law applicable to this insurance contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law. Complaints Any enquiry or complaint should be addressed in the first instance to your broker, Ember JD Insurance Brokers. The process for complaining directly to Lloyds can be found in the Complaints section of your Policy Wording. The Financial Ombudsman If you are still not satisfied with the way a complaint has been dealt with you may ask The Financial Ombudsman to review your case without prejudice to your rights in law. You can contact The Financial Ombudsman at: The Financial Ombudsman Service Exchange Tower London E14 9SR Telephone: 0800 023 4567 www.financial-ombudsman.org.uk.

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Month / Year	Type of Claim / Brief Description	Cost £

Step 1 of 7 - Your details

Your details

Enter details of the proposer, with option to add a joint proposer

Enter details about the property to be insured

Enter details about the buildings cover required

Optional landlord's contents

Security details

About the property and the insurance proposer(s)