Terms and conditions

1. Who these terms are between

1.1 Our details

Our registered office is Sentinel House, Ancells Business Park, Harvest Crescent, Fleet, Hampshire, GU51 2UZ. In these terms, "we", "us" and "our" mean Simply Quote Comparison Ltd, and "you" means the person using the site. LandlordQuote is a trading style of that company and not a separate legal entity, so the contract is with the company.

1.2 The web address is not a trading name

This service is reached at the web address landlordinsuranceuk.com. That address is descriptive: it was chosen because it says what the site is for. It is not a trading name, it is not a company, and it is not the name of the firm you are dealing with. No firm of that name is a party to these terms.

The trading style is LandlordQuote, and LandlordQuote is a trading style of Simply Quote Comparison Ltd. That company is the one you contract with, the controller of your personal data, the firm entered on the Financial Services Register under reference 1011184, and the firm a complaint goes to. None of that changes according to which web address you used to arrive here.

1.3 Accepting them

Using the site means accepting these terms. If you do not accept them, please do not use the site. If you submit an enquiry you are confirming that you have read them and that you accept them.

1.4 Other terms that also apply

Our privacy policy governs what we do with your personal data, our cookie policy covers what we store on your device, and our complaints policy sets out what happens if something goes wrong. Together with this page they are the whole of our arrangement with you about the site.

2. What the service is

LandlordQuote is a quote comparison website. We are not an insurer and we do not give advice or recommend a policy. We pass the details you enter to our quote panel, which is operated by Quotezone, a trading style of Seopa Ltd, authorised and regulated by the Financial Conduct Authority under reference 313860, so that providers can return quotes for you to compare.

2.1 Our regulatory position

Simply Quote Comparison Ltd is an Introducer Appointed Representative of Seopa Ltd under Financial Conduct Authority reference number 1011184. That means we are not authorised in our own right. We act under the responsibility of Seopa Ltd, which is authorised and regulated by the Financial Conduct Authority under reference 313860 and which operates the quote panel as Quotezone. The permission covers introducing you to that quote service, and nothing more. It does not permit us to advise you, to arrange cover on your behalf, to recommend one policy over another, or to handle your money, and we do not do any of those things.

2.2 How to check it

Both entries are public. Search the Financial Services Register for reference 1011184 to find us, and for 313860 to find Seopa Ltd. We would encourage you to, for this site and for any other.

3. What the service is not

• Not an insurer. We do not underwrite risk, we hold no premium, we make no decision about a claim and we pay no claim.
• Not a broker. We do not arrange cover for you, we do not administer a policy, and we hold no client money.
• Not advice. Nothing on this site is legal, financial, tax or insurance advice, and nothing on it is a personal recommendation. We are not permitted to advise you and we do not.
• Not the whole market. No comparison service covers every provider in the country, and we do not claim to. Cover may exist elsewhere on terms we never see.

3.1 Your contract is with the provider

If you take out a policy, that contract is between you and the insurer or the broker. Its price, its terms, its exclusions, its renewal and its claims handling are that firm's responsibility. We are not a party to it, we cannot vary it, and we cannot make a decision under it.

3.2 What that means in practice

Cancelling a policy, making a claim, changing a payment date, updating an address, disputing a renewal price and asking for a document all go to the provider. We would not be able to help even if we wanted to, because we have no access to your policy.

4. Who may use the site

4.1 Age

The enquiry service is for adults. Do not use it if you are under 18, and see our privacy policy for what we do if a child's details reach us.

4.2 Property in the United Kingdom

The panel quotes for property in the United Kingdom. Our guides are written for the law of England, which differs in important ways from Scotland, Wales and Northern Ireland, and each guide says so where it matters. You can be resident abroad and still insure a UK property.

4.3 Someone else's details

If you give us details about another person, for example a joint owner or a co-director, you confirm that you are entitled to do so and that you have told them their details are being passed on for a quote. The responsibility for that is yours, because we have no way of asking them ourselves.

5. The information you give us

5.1 Why it matters so much

An insurance quote is a price for a described risk. If the description is wrong, the price is wrong, and the insurer may be entitled to reduce a claim, refuse it outright, or treat the policy as though it never existed. That can happen years later, at the moment you need the policy most.

5.2 The duty the law puts on you

Which duty applies depends on whether your policy is written as a consumer contract or a commercial one, and your provider will confirm which. If it is a consumer policy, the Consumer Insurance (Disclosure and Representations) Act 2012 requires you to take reasonable care not to make a misrepresentation. If it is a business policy, the Insurance Act 2015 requires a fair presentation of the risk, which is a more demanding duty and can require you to volunteer material facts you have not been asked about. Letting property is a business activity, so do not assume the consumer regime applies to you.

5.3 Things landlords commonly get wrong

Describing a property as owner-occupied when it is let. Forgetting a period when it stood empty. Not mentioning a previous claim, a subsidence history or a flood. Describing a house in multiple occupation as a single let. Not saying that tenants are students or on housing benefit where the question is asked. None of these is fatal if you declare it, and all of them can be if you do not.

5.4 Our part in it

We pass on what you give us without altering it. We do not verify it, and we are not able to: we have no access to the property, the tenancy or your claims history. If what you provide is wrong, the quote will be wrong, and that consequence sits with you and your provider rather than with us.

6. What happens to your enquiry

6.1 The route it takes

The panel is operated by Seopa Ltd, trading as Quotezone, which is authorised and regulated by the Financial Conduct Authority under reference 313860. It decides which providers on its panel can quote for the risk you have described, and it passes your details to them. Our privacy policy sets out what happens to your data at each step.

6.2 Being contacted

A provider that wants to quote may contact you by email or telephone about that quote. That contact is part of the service you asked for, and it is separate from marketing, which we only send if you have opted in. If a provider markets to you beyond the quote, that is its own decision under its own policy and you should ask it to stop.

6.3 No guarantee of a quote

We cannot promise that anyone will quote. Some properties, some construction types, some flood zones and some claims histories are declined by every provider on a panel, and that is the provider's decision, not ours. Being declined here does not mean cover is unavailable elsewhere.

7. Quotes, and what they are worth

7.1 Subject to the provider

Any quote is subject to the provider's own underwriting, its terms and its acceptance. It can be withdrawn or changed by that provider, including after you have seen it, and it may expire. The price you are finally offered may differ from the price you were shown if any answer changes.

7.2 Price is not the whole picture

Two policies at the same price can differ enormously on excess, on the rent covered, on liability limits, on whether loss of rent is included, and on what is excluded while a property is empty. We do not rank quotes for you and we do not tell you which is best, because we are not permitted to and because the answer depends on facts we do not know. Read the policy documents.

7.3 We do not claim to be cheapest

We make no claim that the quotes you see are the lowest available anywhere. A comparison covers the providers on the panel at the moment you ask, and nothing more than that.

8. How we are paid

8.1 Who pays us

The panel operator or a provider, not you. The fee is for the introduction. It is not added to your premium and you are not charged for using the comparison.

8.2 Why we are telling you

Because a commercial interest that is not disclosed is a reason to distrust everything else on a site. Ours is disclosed here, on our about page and in our editorial standards, which explain the rules that keep it out of the guidance.

9. The guidance on this site

9.1 We take care, but law moves

Every guide is researched from primary sources and cites them, and each one shows when it was last reviewed. Even so, letting law changes frequently, sometimes at short notice and sometimes with provisions that are passed but not yet in force. We cannot promise that every page is current at the moment you read it.

9.2 What to do where it matters

Check the date on the page, follow the link to the source, and take professional advice before acting where money, a possession claim or a tenancy is at stake. A guide is a good place to understand a rule and a poor place to bet a court case.

How we research, review and correct guidance

9.3 Links to other sites

We link to legislation, to GOV.UK, to regulators and to industry bodies so that you can check what we say. We do not control those sites, we are not responsible for their content, and a link is not an endorsement of anything else on them.

10. Using the site properly

10.1 What you must not do

• Submit details that are false, or that belong to someone else without their authority.
• Submit an enquiry you have no intention of following up, or use the form to test or probe it.
• Scrape, harvest, copy or republish the content at scale, or reuse it to train a machine learning model. We reserve our rights in respect of text and data mining.
• Interfere with the site or its security, introduce anything malicious, or try to gain access to any part of it you have not been given.
• Use any part of it to suggest that we endorse a product, a firm or a piece of advice, or to imply a relationship with us that does not exist.
• Use the site in any way that breaks the law or infringes anyone's rights.

10.2 What we may do about it

We may block access, withdraw an enquiry, and where the conduct warrants it report it to the police or to a regulator. We may also take steps to recover any loss it causes us.

11. Intellectual property

11.1 What you may do

Read it. Print or save a copy for your own use or for your business. Quote a short extract, in quotation marks, with a link back to the page you took it from. That is a permission we give willingly.

11.2 What needs our permission

Republishing a page or a substantial part of one, reproducing our tables or research, using our name or logo, framing the site, or any commercial use. Ask us: the answer is often yes.

11.3 Material that is not ours

Legislation and public sector information quoted in the guides remains subject to the terms it is published under, which for GOV.UK and legislation.gov.uk is usually the Open Government Licence. Where a figure or a quotation comes from a third party, it is attributed on the page.

12. Availability and changes to the site

12.1 No guarantee of availability

The site is provided as it is. We do not guarantee that it will be available, uninterrupted or error free, and we may suspend it for maintenance, for security, or for reasons outside our control such as a failure at a hosting or network provider.

12.2 We may change it

We may add, change, withdraw or remove any part of the site, including any page or any guide, without notice. Nothing here is a promise that a particular page will continue to exist.

13. Our liability to you

13.1 What we never exclude

• Death or personal injury caused by our negligence.
• Fraud or fraudulent misrepresentation by us.
• Your rights under the Consumer Rights Act 2015 if you deal with us as a consumer, including the right to services carried out with reasonable care and skill.
• Anything else that the law does not allow us to exclude or limit.

13.2 What we are not responsible for

A decision you take about a policy. The acts, omissions, solvency, pricing, service or claims handling of any insurer, broker or panel operator. The consequences of information you gave us being inaccurate or incomplete. The content of any website we link to. Anything on this site being out of date where you did not check the source it cites.

13.3 Losses we exclude

To the extent the law allows, we are not liable for loss of profit, loss of business, loss of revenue, loss of anticipated savings, loss of goodwill, loss or corruption of data, or any loss that is indirect or consequential, however it arises.

13.4 Business users

If you use this site for the purposes of a business, you accept that we have no liability to you for any business loss of the kind described above, and the protections in clause 13.1 that apply only to consumers do not apply to you.

13.5 Why it is drawn this way

We make an introduction and we are paid for an introduction. We do not price the risk, hold the premium or decide the claim, so we are not in a position to stand behind an insurance contract we are not a party to. The firm that is stands behind it, and it is regulated for exactly that purpose.

14. Your data

14.1 The short of it

We pass your enquiry to the quote panel so that providers can quote. We do not sell your details. We only market to you if you have opted in, and you can stop it at any time. The privacy policy names every recipient, gives the lawful basis for each use, and sets out your rights and how to complain to the Information Commissioner's Office.

15. Complaints

15.1 How to complain

Email complaints@landlordinsuranceuk.com. Our complaints policy sets out the timescales we work to, what we do at each stage, and how to escalate.

15.2 About a policy rather than about us

A complaint about a policy, a price, a renewal or a claim goes to the firm that sold it to you, which has its own procedure it is required to follow. The complaints policy explains which complaints come to us and which do not.

16. Changes to these terms

16.1 How to tell

The date at the top of this page, and the version reference at the foot of it. We keep previous versions, so if you need to know what these terms said on a particular date, ask us.

16.2 What a change does not do

A change is not retrospective. It does not alter the terms that applied to an enquiry you have already submitted, and it does not affect any policy you have bought, which is governed by its own documents.

17. The legal odds and ends

17.1 If part of this is unenforceable

If any provision is held to be invalid or unenforceable, the rest continues in force, and that provision is treated as removed to the minimum extent necessary.

17.2 Not enforcing something is not giving it up

If we delay in enforcing a term, or do not enforce it on one occasion, that is not a waiver of it and does not prevent us from enforcing it later.

17.3 Transferring this agreement

We may transfer our rights and obligations under these terms to another business, and we will tell you if we do. It will not reduce your rights. You may not transfer yours without our written agreement.

17.4 Third parties

These terms are between you and us. Nobody else may enforce them under the Contracts (Rights of Third Parties) Act 1999.

17.5 Events outside our control

We are not liable for a failure to perform caused by something outside our reasonable control, including a failure of hosting, telecommunications or power, a cyber attack, industrial action, or an act of a public authority.

18. Law, courts and contact

18.1 Governing law

These terms, and any dispute arising out of them or out of your use of the site, are governed by the law of England and Wales.

18.2 Which courts

The courts of England and Wales have jurisdiction. If you are a consumer resident in Scotland or Northern Ireland, nothing here prevents you from bringing proceedings in the courts of that nation instead, and nothing here removes any protection the law of your home nation gives you. This jurisdiction clause is deliberately not an exclusive one for that reason.

18.3 Contact

Email info@landlordinsuranceuk.com, or write to Simply Quote Comparison Ltd, Sentinel House, Ancells Business Park, Harvest Crescent, Fleet, Hampshire, GU51 2UZ. Our contact page says which enquiries we can help with and which belong with your provider.

18.4 This version

Version 2026-09-27.1, published for LandlordQuote, a trading style of Simply Quote Comparison Ltd.