Claim on old insurance policy for tenant compensation claim

  • Filter
  • Time
  • Show
Clear All
new posts

    Claim on old insurance policy for tenant compensation claim

    Hi all

    A tenant from 2 years ago is claiming against me for personal injury she suffered while renting my house. She moved out last year and I have a new tenant now.

    I always shop around for my insurance and as so I nearly always have a different company every year.

    The insurance policy was only for 1 year and has since expired. Can I still claim on the policy as I was properly insured at the time??


    I am unable to read the terms of your policy from here, so sorry. So unable to comment. Could you perhaps read the details and let us know ? Or simply 'phone the insurer?

    What was the "injury" and do you agree you/insurer might be liable? (Might, mind, not necessarily are..)
    I am legally unqualified: If you need to rely on advice check it with a suitable authority - eg a solicitor specialising in landlord/tenant law...


      I would contact your current insurance provider as inform them if they will do anything, as I can't believe a tenant can bring a claim 2 years after leaving the property, unless they have raised this 2 years ago and you didn't act upon it.

      But would be good to know what they are claiming for, and did they complain or put the issue in writing to you while they were tenants?


        2 years is within the limitation for personal injury. The defendant landlord or their lawyer will no doubt ask why she didn't mention any injuries at the time, but by itself it's not a bar to a claim.

        OP, what are you intending to claim from the insurer? Legal cover to defend the case? Damages to property? ...?
        I am not a lawyer, nor am I licensed to provide any regulated advice. None of my posts should be treated as legal or financial advice.

        I do not answer questions through private messages which should be posted publicly on the forum.


          When did T inform you of injury?


            Funnily enough, I think it may be o/p's present insurer who coughs up for this.

            I recall reading my home insurance policy. It said that it includes public liability cover for any diy work you had done at any previous home. That would very often be a different insurer.

            Whether they then get in touch with your old company for a contribution makes little difference to you.


              Interesting, thanks for the replies.

              She told me about a year ago and it happened a year before then. She has been emailing me a few times over the last few weeks about the event (she fell down the stairs) but she hasn’t said yet that she will sue. But I think she will.


                Originally posted by johnsmith0774 View Post
                She told me about a year ago and it happened a year before then.
                Did you tell your insurer at the time she notified you and your current insurer of the possible claim?
                You may have difficulties if you did not.


                Latest Activity


                • Buildings & Contents Insurance - Recommendations
                  by landlord-man
                  Can anyone recommend a broker / insurance provider? I have a 1st floor property with 4 flats.

                  I'm looking for recommendations on who provided a fair quote but also any recommendations on companies who actually paid out a claim promptly / fairly.

                  Thank You...
                  13-07-2020, 10:57 AM
                • Reply to Rent Guarantee Insurance
                  by Boab
                  I’m in process of re letting my home ( it’s my only property) and the new rules and rights etc are making it all pretty risky anyway imho. However I have little choice in my situation. So I looked at rent guarantee insurance via two big rental agencies. One tried to sell me a policy with not a single...
                  13-07-2020, 09:53 AM
                • Rent Guarantee Insurance
                  by oi2004as

                  I would be interested in your view on the following

                  I received a renewal Legal & Rent Guarantee Insurance documents from Rentguard (which initiallyy I purchased through Openrent)

                  There is the following condition in their 'statement of fact':
                  11-07-2020, 11:59 AM
                • Reply to Rent Guarantee Insurance
                  by AndrewDod
                  I guess the only point ever to insure is if

                  a) You think they have calculated a too-low premiums based on the (correct) information you gave (extremely rare) so that you will statistically "win"

                  b) If the event (if it occurs) will be life changing. Like medical travel...
                  11-07-2020, 18:14 PM
                • Reply to Rent Guarantee Insurance
                  by Section20z
                  Insurance can never pay out more than it takes in premiums so you're on a hiding to nothing. The only way you'll ever win on insurance is if you have below average luck, but in that case you'd probably also find you'd forgotten to pay the premium 🤔
                  11-07-2020, 18:04 PM
                • Reply to Rent Guarantee Insurance
                  by AndrewDod
                  Yes, RG insurance is pretty much a waste of time. And this is a ludicrous clause at so many levels. I'd drop the policy....
                  11-07-2020, 17:56 PM
                • Reply to Rent Guarantee Insurance
                  by Beswick
                  Contact an insurance broker and get their opinion. They should be quite knowledgeable, plus you've got the backup of their professional indemnity insurance and the Ombudsman if they sell you a policy that doesn't suit your needs.
                  11-07-2020, 12:54 PM
                • Reply to Rent Guarantee Insurance
                  by DPT57
                  I think its one of the reasons why no experienced landlord I know takes out rent guarantee insurance
                  11-07-2020, 12:42 PM
                • Insurance broker relationship
                  by Stacker
                  If the company is the freeholder called the principal and the directors called its agents. Could an insurance broker be called an agent of the company also and would the insurance broker owe fiduciary duties to the company?
                  07-07-2020, 19:02 PM
                • Insurance premiums going through the roof
                  by flyingfreehold
                  Those seeking renewals of buildings policies will find that insurers are taking a much tougher line especially where there have been chunky losses and premia are rising dramatically

                  A broker put it to me this way. In 2020 insurers have made negative income on its investments therefore...
                  17-05-2020, 10:41 AM