Rent/Alternative accommodation clauses: the buy-to-let conundrum

The Old Library, Lloyd's
Thursday, 26 January 2017
1:15 pm – 2:00 pm (UK time)
    • Steve Berning ACII, Underwriting Manager, CSR Property Investors, Aviva
  • Real Estate

In this IIL property investors lecture Steve Berning ACII will aim to discuss the covers offered under a typical property investors' policy in respect of rent and alternative accommodation, in particular the difficulties in dealing with the many parties to a typical residential lease.

The property investors market has traditionally dealt with rent and alternative accommodation in a very simplistic way, driven mainly from the Personal Lines accounts where mutually exclusive covers applies on flat (owner) and home (occupiers) policies.

In recent years with the growth of the private rental sector and an increase in numbers of buy-to-let property owners, the insurance market still provides a basic add-on for a nominal % and the aim is to highlight some of the issues facing underwriters, claims handlers charged with ensuring that their intent is met at the claims stage and ultimately the customer is getting the cover they expect.

By the end of this lecture members would have gained an insight into:

  • Whether rent or alternative accommodation is a true indemnity
  • The difference between the automatic cover in a typical wording and a proper BI cover
  • Understand the potential impact on loss experience when extending the level of indemnity offered by the policy to lessees and sub-lessees

Anna Whitfield, Client Director, Real Estate Practice, Aon.

  • The Old Library, Lloyd's
  • One Lime Street
  • London
  • EC3M 7HA
View map

Registration & Security

CPD events are open to CII and PFS members
Registration closes at 12pm two working days before the event date
For events held in The Old Library, Lloyd's pass holders may also attend and do not need to register
Original Photo ID (Driving Licence, Passport, Work ID with company logo and full name) is required to gain entry to all venues


  • Email confirmations and original photo ID must be produced to security staff at the lecture venue
  • Attendance confirmations are non-transferable to any other person or lecture
  • All venues have limited capacity and registration and/or a Lloyd's pass does not guarantee admission

Please let us know what we can do to make our events fully accessible to you.

Please contact Patricia Pedraza (07463 028327) with any queries regarding the CPD events programme.

CII Accredited

This demonstrates the quality of an event and that it meets CII member CPD scheme requirements.

3/4 hours' CPD can be claimed for this event if relevant to your learning and development needs.

It is recommended that you keep any evidence of the CPD activity you have completed and upload copies to the recording tool as the CII may ask to see this if your record is selected for review. Details of the scheme can be viewed online at