Making a claim

We make landlord insurance claims clear

So that making a claim is hassle-free

AXA Landlord Insurance is there to protect your rental property from the unexpected, so if something does go wrong, you’ve got the peace of mind that we’ve got you covered.

But we know that nobody really wants to make a claim – and that when a claims payment is reduced or turned down, it can be devastating.

That’s why we’ve included information on how to make a landlord insurance claim – and highlighted some common reasons for claims not being paid.

Making claims clear

At AXA, we have a responsibility to be as clear as possible to our customers. So we want to explain some common situations where a landlord insurance claim might not be paid – to help ensure this doesn’t happen to you.

We may refuse to pay your claim if:

  • You don’t make a ‘fair presentation of risk’ to us (this means you need to tell us everything that could influence our decision to insure you – and applies prior to the start of your policy, if anything changes during your insurance period, and before your renewal)
  • You don’t tell us of changes in tenancy or occupation within the property
  • Damage to your property is caused by a gradual deterioration or wear and tear
  • Your property isn’t kept in a good state of repair or damage has occurred over a period of time due to lack of maintenance
  • You don’t comply with the policy conditions.

Make a claim

Our award-winning claims team* are on hand to help make a difficult situation a lot easier – at a time you need it most.

To make sure we can deal with your claim as quickly and clearly as possible, call us on 0345 600 2715** or email for commercial property claims or for liability claims.

Before you make a landlord insurance claim, you should take all reasonable steps to prevent further loss or damage, recover lost property, ensure the building is secure and minimise the claim.

And before contacting us, make sure you have your policy number and details of the incident to hand. Find out what else you should do before you make a claim on our business insurance claims page.

Policy documents

Make sure you have all the information you need before taking out a landlord insurance policy.

AXA Landlord Insurance

Protect your rental property in minutes with £10m property owners’ liability cover for up to 10 properties.

*Our claims team have won leading industry awards at the British Insurance Awards 2012, The Claims Awards 2012, CII Public Interest Awards 2015 and The British Insurance Awards 2015.

**Our claims office is open Monday to Friday 9am – 5pm, but any calls outside of these hours are picked up by our out-of-hours claim team on a 24/7 basis. Calls are charged at local rate and may be recorded or monitored.

Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply.