Ashburnham Insurance

Ashburnham Insurance Services Limited is a UK-based commercial insurance broker that commenced operations on September 26, 1995. The company was established following a takeover of the Southend-on-Sea branch of Robert A Rushtons, a nationwide high street insurance broker that had been trading since 1947. The new name, Ashburnham Insurance, was inspired by Ashburnham Road, located at the corner of their office premises in Southend-on-Sea, Essex. Ashburnham Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA), operating under Firm Reference Number 300777.

The firm is permitted to arrange, advise on, act as an agent for insurers and clients, and assist in claims handling for non-investment insurance policies. The company provides a range of commercial insurance services across the United Kingdom, offering instant online quotes for a broad spectrum of businesses. Ashburnham Insurance excels in comparing market options to secure suitable coverage for its clients. Beyond landlord insurance, the firm offers Public Liability Insurance for self-employed tradespeople and larger businesses, covering over 500 occupations online.

Additionally, the company provides Landowners Insurance, which caters to a variety of land types, including private roads, undeveloped pasture, woodlands, fields, development sites, car parks, and residents' associations. This comprehensive offering reflects the company's evolution from a traditional high street broker to a specialist in various commercial insurance products. Ashburnham Insurance offers comprehensive landlord insurance cover for UK property owners who let their homes to tenants. This includes policies for single tenanted houses or large property portfolios, with options for minimal or all-inclusive packages.

The company demonstrates flexibility in covering various tenancy situations, including properties let to professionals, DSS claimants, council tenants, and family members. Landlord insurance policies can be tailored to include buildings and contents cover, loss of rent, legal expenses, and public liability insurance. The firm also provides unoccupied property insurance for vacant homes intended for letting, sale, or owner occupation. Coverage is available for rented properties located in England, Scotland, Wales, Northern Ireland, the Channel Islands of Jersey and Guernsey, and the Isle of Man, extending to overseas landlords with UK format postcodes.

A significant area of specialisation for Ashburnham Insurance is providing landlord insurance for student tenants. The company recognises the growing demand for properties that accept student tenants in the UK and actively works with insurers who understand the unique aspects of student lets. Ashburnham Insurance offers student landlord insurance that can include cover for accidental and malicious damage caused by student tenants or their guests, which is a common concern for landlords in this sector. For properties let to students, especially those that may qualify as Houses in Multiple Occupation (HMOs), the company helps landlords secure reliable and affordable HMO cover.

These policies are designed to acknowledge the communal nature of student living and the associated risks, covering essentials such as buildings, landlord contents, loss of rent, and liability protection, with terms that address potential issues like summer void periods or legal disputes. Contents insurance is highly recommended for landlords letting furnished student accommodation to protect against theft or damage to furnishings. Ashburnham Insurance prides itself on customer service, maintaining a single office in Southend-on-Sea, Essex, to ensure direct and efficient communication. The company's staff are experienced and knowledgeable, committed to providing excellent service.

While the firm has developed its online services and internet trading platform, it remains true to its roots by offering customers the ability to conduct business over the phone or face-to-face in the office. This blend of online convenience and personal interaction allows Ashburnham Insurance to cater to a diverse client base, from local customers to those further afield. The company's competitive rates are a result of years of building partnerships with leading insurance companies.