Modus Landlord Insurance

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Guide to Modus Landlord Insurance

Modus has established itself a leader in the field of property insurance for both the commercial and private sector. Modus was established in 2015 as a data-driven, digital insurance provider by a team of underwriting and e-trading professionals.

Unlike traditional insurance brokers, Modus have been data and technology driven since day one. The harness data and risk algorithm and I expect IA to quickly provide quotes to the insurance property sector in the UK and NI

The Landlord liability insurance optional element cover helps you with legal costs. When someone files legal claims against you, you can ask for assistance via this clever to cover the cost of litigation.

Home Emergency Cover

As the name Home emergency cover suggests, you can avail of this cover in an emergency example gas leakage, burst pipe or other home emergencies.

What does Modus landlord insurance cover in the UK?

This coverage offers protection for your rental property against a range of potential risks. Damage can occur due to various reasons, including natural disasters, acts of vandalism, theft, and more. Fortunately, a policy provided by Modus includes comprehensive coverage for all these scenarios.

Modus Landlord’s Insurance Highlights

Modus Landlord Insurance products highlights include:

Buildings Cover – up to £500,000
Contents Cover – up to £100,000
Rent Receivable – 25% of the Building’s sum insured if Buildings cover has been selected.
Public Liability (PL) Landlord Liability Insurance -up to £2,000,000 -up to £2,000,000
Identity Fraud or theft – Cover for costs arising from identity fraud up to £25,000

The cost of The Landlord Insurance is competitive and is available to a wide range of property owners from buy to let, empty properties or properties in probate, Policyholders with previous claims to commercial landlords. These include:

Properties with up to six bedrooms
Tenanted properties – all tenant types ( examples Student, DSS and HMO)
Unoccupied properties including insurance for empty property after death – full cover
Non-Standard Construction : Flat Roof, Thatch Roof, Wooden Framed Structures
Listed and Protected Buildings

Modus Flood excess cover

This is a specialised product providing specific cover for properties against flood damage. The cover provides cover to a business for any damage resulting from flooding. Example, damage to the structure and fittings of the property to flood contents damage. It must be obtained in addition to the buildings cover in the property insurance policy. Modus offers up to £100,000 of flood excess cover, and is a popular product for landlords that own property in areas that are at risk of flooding (and that is extending to most of the UK and parts of Northern Ireland).

Modus Flood excess cover

The risk of flooding is on the rise in the UK. Stay proactive by adding coverage that provides compensation in the event of flood damage.

Flood Cover

Compare Landlord Insurance providers

If you are searching for commercial landlord insurance for one property or after multi property landlord insurance, finding the best deal will involve comparing the available deals on the market. It is important to also compare come renewal time, as some suppliers offer special deals to attract new customers. Some providers on your list should include Tesco landlord insurance, Aro, Legal and General Landlord cover and CIA Landlord insurance. Home insurance providers include Post office home insurance and John Lewis.

If you want to compare landlord insurance, select Get Quotes below.

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To complete the quote form quickly, please be prepared to provide the following information:

High-risk categories, such as HMO cover, typically attract higher premiums due to the increased level of risk. However, maintaining a good no-claims history can help lower the overall cost of coverage.

Property Details: Address of the rental property.

Type of property (e.g., single-family home, flat, buy to let).

If the property is to be let out, please indicate the type of tenant (e.g., professional, student, family, or short-term/holiday renters).

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Landlord Insurance FAQs

How do I renew my Modus policy

For renewing an existing Modus landlord policy, you will need to speak to the insurance intermediary or broker that arranged your policy and to whom you paid your original premium.

As a landlord can I deal direct with MODUS?

Modus insurance products are only available through FCA authorised insurance intermediaries and brokers.

Is there any limit to the buildings cover provided by Modus?

Modus insurance products are only available through FCA authorised insurance intermediaries and brokers

Does the landlord’s insurance policy cover the tenant’s property?

Tenant’s personal belongings, such as clothing and other items, are not covered under a landlord insurance policy.

Frequently Asked Questions

How much is Fast food delivery insurance?

The cost for an annual food delivery insurance policy in the UK can range anywhere from £650 to £1200. The actual delivery food insurance cost will depend on a number of factors, including the level and extent of cover required. Additional factors will include your history for making insurance claims, your age, and the vehicle type value of the vehicle type to be insured.

Do I need fast food delivery insurance?

Yes, if you deliver food, you will need specialised fast food deliver y insurance. If your vehicle is involved in an accident whilst you are providing a delivery service, the claim will be rejected by the insurance company if you do not have the correct level of insurance. In monetary terms, this means that you be responsible for all the associated costs of the accident. In addition, from a legal perspective you will be driving without insurance, which can lead to a driving conviction.

** If you are hired as a delivery driver and use your own vehicle, you need to contact your insurance agent and add food delivery insurance to your existing policy.
** Some employers do provide hire and reward coverage for their drivers. Before being hired, check if your new employer will cover your vehicle while you are working for them.

What is Pay As You Go courier food delivery insurance?

This is a food delivery insurance policy that is only activated when the delivery driver is actually using his or her vehicle for the delivery of food. This can be an add-on to a regular vehicle policy when permitted by your insurance company. The biggest limit is that the driver can only make deliveries for 20 hours a week or less. If you are considering working for Deliveroo, find out how much you can expect to earn as a Deliveroo driver in our guide to Deliveroo pay rates.

The costs of pay as you go food delivery insurance can vary. A current rough estimate would be between from £0.80 to £3.00 an hour.

For those drivers that operate more than 20 hours a week, there are 30 hours per week pay as you go courier food delivery insurance. This type of policy costs from £122 to £350 a month

MultiQuoteTime Ltd Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice

Updated: 05 March 2025
Reviewed by Eamonn Turley Insurance Expert