A landlord with a diverse Buy-to-Let portfolio consisting of 33 properties, including residential, semi-commercial, and commercial units, approached Solstar after receiving uncompetitive renewal terms from their existing broker. Key elements of cover had been removed, and the terms did not reflect the client’s risk profile or requirements. Additionally, the portfolio had a history of claims, including flood and burst pipe incidents, which complicated the placement.

Our Approach:

• Claims Review: Solstar requested full disclosure of all past claims, along with details of the remedial actions taken to prevent recurrence.
• Market Engagement: Using our strong relationships with insurers, we negotiated a tailored policy that reflected the true risk profile of the portfolio.
• Policy Improvement: We ensured reinstatement of important cover elements that had been previously withdrawn, secured enhanced peril coverage, and negotiated improved policy excess terms.

Outcome:

• Achieved a premium saving of £3,000 compared to the previous year.
• Delivered enhanced coverage and better terms, including lower excesses and reinstated protections.
• The client was extremely satisfied with the outcome and has since committed to referring other portfolio landlords within their network.

This case demonstrates Solstar’s ability to secure value-driven, tailored insurance solutions for complex property portfolios—even where claim histories pose a challenge.