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UNDERSTANDING WHAT ISN’T COVERED
Know the Limitations Before You Claim
Every property management insurance policy has exclusions. Understanding what isn’t covered helps avoid disputes, ensures accurate risk management, and protects against unexpected losses.
Common Exclusions in Property Management Policies
Below are the exclusions most frequently found across UK property management insurance policies.
- General wear and tear, ageing & gradual deterioration
- Damage caused by lack of maintenance or poor upkeep
- Gradual water leaks not repaired promptly
- Damage arising from unoccupied properties (unless declared)
- Deliberate or criminal acts by the policyholder
- Electrical or mechanical breakdown without specific cover
- Subsidence unless the policy includes this extension
- Faulty workmanship or construction defects
- Losses exceeding set policy limits and inner limits
Why Exclusions Matter
- Unexpected repair costs due to inadequate maintenance
- Rejected claims for gradual damage or unresolved leaks
- Financial exposure during long void periods
- Disputes over limits and policy wording
- Uncovered liability if exclusions apply to the cause of loss
Why Choose Insure24?
- Clear explanation of exclusions during the quote process
- Tailored property management insurance solutions
- Support reducing risks that lead to excluded claims
- High-quality insurers with transparent wording
- Expert advice for landlords, RMCs & managing agents
“Insure24 clearly explained the exclusions on our block policy, helping us avoid costly misunderstandings during a claim.”
Helen R., Residents’ Management Company DirectorFREQUENTLY ASKED QUESTIONS
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Why are wear and tear claims excluded?
Insurance is intended for sudden and unforeseen events - not the natural ageing of a building or its fixtures.
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Is lack of maintenance covered?
No - issues arising from neglect, inadequate upkeep, or ignored repairs are excluded in all property management policies.
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Are intentional acts covered?
No - deliberate damage or criminal acts caused by the policyholder are excluded.
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Are unoccupied properties covered?
Not unless declared. Insurers require special terms for properties empty for long periods.
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Can exclusions be reduced or removed?
Some exclusions such as subsidence, accidental damage or mechanical breakdown can be added as extensions depending on your insurer.
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Why are wear and tear claims excluded?
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Is lack of maintenance covered?
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Are intentional acts covered?
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Are unoccupied properties covered?
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Can exclusions be reduced or removed?
Related Property Management Guides
These are the strongest next pages when policy exclusions start to affect real commercial decisions and need to be linked back to the wider insurance and comparison journey.
Readers here often still need to review property management insurance costs, compare liability vs PI vs package cover and property management insurance checklist before deciding whether exclusions point to a different cover structure, wider limits or a move into commercial combined insurance. Insure24 is an FCA authorised and regulated broker (FRN: 1008511) with access to insurer-panel options including Aviva, Allianz and Zurich where appropriate.
Core Property Management Pages
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More Property Management Insurance Topics
Exclusions matter most when users are comparing what a policy leaves out, what can be bought back, and where specialist extensions may be needed. These guides connect wording questions with the main risk, liability and planning pages in these pages.