As seen in

Rent-to-rent operator: who writes it?

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389 UK insurers, MGAs and Lloyd's markets mapped390+ trade appetites100% independent, no paid ranking
FCA-regulated firm (FRN 1035997)
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185 markets matched

For: Rent-to-rent operator

Underwriter briefReady

What underwriters will focus on

Rent-to-rent operator leasing premises and subletting them; underwriters will focus on permitted use, tenancy arrangements and the operator’s insurable interest rather than assume landlord cover fits. Confirm long lets, HMOs or serviced accommodation, lease liabilities and the basis of any business interruption cover.

Where to start

  1. Vasek InsuranceProperty-focused MGA worth approaching for residential letting exposures, subject to acceptance of the rent-to-rent structure.
  2. Generation InsuranceProperty, BI and PL offering makes this a candidate for the operator’s property interests and rental income exposure.
  3. Specialist market lockedAppetite fit and referral checks locked
  4. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Vasek InsuranceMGA★ Specialist appetiteStrong fit
Appetite
Property-focused MGA worth approaching for residential letting exposures, subject to acceptance of the rent-to-rent structure.
Check
Check non-owner eligibility, subletting consent, occupancy restrictions and cover for the operator’s liabilities.

PropertyBIPL

Broker site

Generation InsuranceMGA★ Specialist appetiteStrong fit
Appetite
Property, BI and PL offering makes this a candidate for the operator’s property interests and rental income exposure.
Check
Check rent-to-rent eligibility and whether BI covers the operator’s income while headlease rent remains payable.
How to trade

Quote online (own portal) · Own portal: MX Online Source

PropertyBIPL

Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedInsurer
Classes and referral notes after unlock
Strong fit
Market lockedMGA
Classes and referral notes after unlock
Strong fit
+178 more markets locked
183 more markets + remaining specialist brief picks

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As seen inFCA-regulated (FRN 1035997)Zero client contact

UK markets that write rent-to-rent operator risks

We found 185 UK markets that write rent-to-rent operator risks: 47 insurers, 115 MGAs and 23 Lloyd's markets. Commonly listed: Vasek Insurance, Generation Insurance.

Placing notes

Insurers need landlord and lender consent to sublet and a clear insurable interest for the operator. Tenant type also matters, with HMOs, housing benefit tenants and short lets each viewed differently.

Also known as

R2R, guaranteed rent provider, HMO sublet operator, rent-to-SA operator

For insurers and MGAs

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