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Tenant assessment and
insurance products just
got a whole lot better.
Find out how...




renting solutions innovated!
02. Our Vision




Our vision is for
Let Alliance to be the
1st choice provider
for tenant assessment
and insurance
products to the UK’s
residential property
lettings market
03. Our People
                                                                    I’m
                                     an                            Ag Laur
                               a Morg                                ent    a
                                                                         Acc Ros
                        I’m Din R &                                         oun enb
                        Hea d of H         ns                                  tM    e
                                   Relatio                                        ana rg
                        Cor porate                                                   ger




                                                                                                                             tead
                                                                                                                         Hals
                                                                                                                     ndy
                                                                                                                I’m A r
                                                                                                                     d   e
                                                                                                                Foun
 I’m Alex Harvey                                I’m Paul Pearce                            I’m Joanna Dickens
 Head of Underwriting                           Sales & Marketing Director                 Head of Operations



Let Alliance was founded by a management team with over 75 years experience operating
within the lettings and financial service sectors.

In addition to our property management expertise, we have partnered with first class
underwriting and broking facilities in order to provide innovative and market leading solutions.

The Let Alliance management team have played vital roles in the set up, and re-shaping of
current market leading products. This has given us a unique insight into the restrictions within
these products and has allowed us to design new innovative policies and services.

Let Alliance was established to provide a new and innovative solution to the rental sector.
10 Commitments we
make to every customer
05. The 10 Commitments


We’re committed...

... to making business with us simple

... to helping our customers when they need us the most

... to listening to our customers

... to conducting business with honesty, openness and integrity

... to delivering the highest standards when dealing with customers, colleagues and suppliers

... to making promises only when we can deliver them

... to creating strong business growth

... to making the customer experience memorable for all the right reasons

... to fixing things if they go wrong

... to valuing and promoting diversity in all areas of recruitment, employment, training and promotion
be committed
      our values
                      be diligent


                                    be positive
                                                       be honest

be loyal           be customer
                    focussed

                                              be creative
07. Join the Alliance


Join the Alliance and expect more!
Expect a personal first class service

Expect a friendly and knowledgeable Account Manager

Expect a simple claims process

Expect a flexible and user-friendly online referencing and insurance system

Expect to save time with no insurance administration required from our agents

Expect online insurance “quote and buy” options for Landlords and Tenants

Expect us to cater for landlords with one property or a large portfolio

Expect free referencing for Letting Agents

Expect your credit referencing done within seconds with various options available

Expect rent guarantee insurance solutions for Agents

Expect comprehensive buildings and contents insurance specifically designed for Landlords and Tenants

Expect emergency assistance cover 365 days a year
Expect an easy life!
So what’s it
 all about?
Five Fantastic New Products
10. Products



Five fantastic products designed to grow your business and protect your customers!



  1                     2                     3                     4                     5

 Tenant                Rent                  Tenants                Landlords             Landlords
 Assessment            Guarantee             Contents               Buildings and         Emergency
 Products              Insurance             Insurance              Contents              Assistance
 with immediate        with NIL Excess       with NIL Excess        Insurance             Cover
 turnaround
                                                                    Specialist Cover      Innovative Claims
                                                                                          Process




Let Alliance has responded to the current economic climate; through collaboration with the letting agent
sector, we have created a unique and profitable range of products and services.

Our IT platform is designed specifically for Tenant Assessment and therefore provides fast online access
and processing – giving the ultimate in speed assessment and confirmation.

Buy Rent Guarantee protection from Let Alliance and the Tenant Assessment is carried out free of charge!
11. Products



1. Our Tenant Assessment Products

  Tenant Express                             Tenant Ultimate

  Our “Express” credit report with instant   Our “Ultimate” assessment will check not only the
  turnaround enables agents to secure        applicant’s credit profile, but also their previous
  tenancies within the hour.                 landlord and employment details. Our dedicated
                                             team are experts in their field and aim to process
  Our checks include:                        all applications the same day.
                                             ✓   Full “Express” assessment check
  ✓ Affordability check
                                             ✓   Previous / Current / Future Employers reference
  ✓ Electoral Roll check
                                             ✓   Previous / Current Landlord Check
  ✓ County Court Judgements / Bankruptcy
                                             ✓   Full Guarantor references if required.
      Orders / IVA’s check
                                             Ability to assess:
  ✓ Non disclosed information check
                                             – Students
  ✓ Cross application check
                                             – Applicants with independent means
                                             – Retired Applicants
                                             – Companies
12. Products


                       2. Our Rent Guarantee Insurance
                       Only 12% of landlords in the UK currently have legal expenses and
                       rent guarantee insurance*
                       Let Alliance has developed Rent Guarantee insurance designed to
                       protect the Landlords and Letting Agents cash flow.
                       In the event a tenant defaults on their rent payments, the rental
                       income will be paid.
                       Our Rent Guarantees provide comprehensive cover along with swift
                       acceptances, an easy claims process and competitive pricing.
                       Let Alliance Rent Guarantees are all NIL EXCESS and include full
                       legal expenses cover.


                         6 Month Product includes:                 12 Month Product includes:
                         Either an Ultimate or Express reference   An Ultimate reference free of charge
                         free of charge
                                                                   Nil Excess
                         Nil Excess
                                                                   Up to £2,500 rent per month
                         Up to £2,500 rent per month
                                                                   Up to £25,000 Legal Expenses
                         Up to £25,000 Legal Expenses              included in order to obtain vacant
                         included in order to obtain vacant        possession
                         possession
                                                                   Rent continues to be paid until tenant/
                         Rent continues to be paid until tenant/   ex-tenant vacates property.
* Source: Paragon        ex-tenant vacates property.
Independent Property                                               No re-reference cost at renewal
Investment survey –      No re-reference cost at renewal
April 2010
13. Products


3. Our Tenant Contents Insurance                                                      Key features:
                                                                                      6 and 12 month policies available with
Only 0.5% of landlords said that they insured tenants’ contents*                      no administration fees

By forming strategic alliances with some of the UK’s market leaders,                  NIL Excess policy
Let Alliance are able to offer a comprehensive Tenants Contents                       Cover available for any Sum Insured
                                                                                      between £1 - £50,000
insurance policy, underwritten by AGEAS (formerly Fortis) at
extremely competitive prices.                                                         Tenants Liability to Landlords up to
                                                                                      £2,500
Our Tenants Contents product is designed to:                                          Alternative Accommodation included
                                                                                      Replacement of Keys and Locks
✓ Protect the tenants contents and personal possessions                               included
                                                                                      Money and Credit Card cover
✓ Protects against accidental damage to the landlords fixtures
                                                                                      Public Liability up to £2million
    and fittings
✓ Protects the tenants security deposit                                               Additional Benefits:
Helping Agents generate additional income on every property                           Accidental Damage Option available
                                                                                      Unspecified Articles up to £5,000
                                                                                      available
                                                                                      Specified Articles up to £7,500
                                                                                      available
                                                                                      Pedal Cycle Extension available




                                                                   * Source: Paragon Independent Property Investment survey – April 2010
14. Products



4. Our Landlords Buildings and Contents Insurance
                                                                                          Key features:
                                                                                          Landlord Specific Buildings &
                                                                                          Contents
                                                                                          Bedroom rated product for ease
                                                                                          Up to £2million sum insured available
                                                                                          Accidental Damage included as
                                                                                          standard for buildings – no additional
                                                                                          charge!
                                                                                          Up to 90 days unoccupancy
                                                                                          Legal Liability Cover up to £5million
                                                                                          Up to 20% Loss of Rent

4 out of 10 Landlords in the UK have insufficient protection on                           Trace and Access up to £5,000

their let properties*                                                                     Malicious Damage by Tenant
                                                                                          extension available

It’s important for landlords to have Landlord specific insurance in                       Comprehensive contents cover up to
                                                                                          £50,000 sum insured
place that’s designed to protect the rental property for both
buildings and contents.                                                                   Replacement locks
                                                                                          Competitive pricing
We have the ability to provide cover to a landlord with one property                      Variable excess discounts available
or landlords with larger property portfolios.
                                                                                          Pay monthly policies

Let Alliance have a specialist insurance team to administer policies                      Underwritten by AGEAS (formerly
                                                                                          Fortis)
and handle claims or queries; no administration is required by the
letting agent.
                                                                       * Source: Paragon Independent Property Investment survey – April 2010
15. Products



5. Our Landlords Emergency Assistance Cover
                                                                    Covers incidents related to:
Let Alliance provide an Emergency Assistance product specifically   Plumbing and Drainage
designed for Landlords 365 days a year, 24hrs a day.                Gas and Electrical Supply
                                                                    Security and Glazing
This policy pays out on unlimited claims up to £500 per claim and
                                                                    Pests
up to £100 per night for alternative accommodation.
                                                                    Roofing
Our product also includes a Nil Excess feature!                     Main Heating and Boiler cover
What does
 it cost?
Much less than you think
Better Products. Better Prices. Better Commission.


 Product Description                                                    Price         You Get
 Express Reference                                                      £8.00

 Ultimate Reference                                                     £16.00

 6 Months Rent Guarantee Insurance + Free Express Reference             £45.00

 6 Months Rent Guarantee Insurance + Free Ultimate Reference            £35.00

 12 Months Rent Guarantee Insurance + Free Ultimate Reference           £60.00

 6 Months Tenant Contents Insurance (subject to status)                 £45.00          20%*

 12 Months Tenant Contents Insurance (subject to status)                £90.00          20%*

 Emergency Assistance Cover                                             £95.00          20%*


 12 Months Landlord Building & Contents Insurance (subject to status)   £290.00         20%*

 (Special prices for portfolio insurance)




                                                                        * Negotiable subject to volume
19. Our Business Partners


Our Business Partners...




Founded in 1975, DAS have                              Ageas is a leading provider of                          A specialist general insurance
become firmly established as                           award-winning Personal and                              intermediary and third party
the clear leader within the legal                      Commercial Lines insurance                              administrator providing wide
expenses insurance market.                             solutions in the UK. Insuring in                        ranging solutions for
                                                       the region of 7.6 million                               underwriters and distributors of
By maintaining growth and                              customers in the UK and working                         insurance products.
establishing a strong financial                        with a range of partners. We work
base, DAS has been able to                             together with our partners and
invest in the development of                           suppliers including UK General,
market-leading products and                            delivering innovative products
services.                                              and exceptional customer service
                                                       to help customers prepare for
                                                       whatever lies ahead


Let Alliance Ltd is an appointed representative of Advent Solutions Management Ltd who are authorised and regulated by the Financial Services Authority, No. 308751.
                                         UK General a trading name of UK Underwriting on behalf of Ageas Insurance Limited
How do I join
the Alliance?
21. Next Steps


Joining the Alliance couldn’t be more simple




  1                    2                    3                   4                     5

 Complete our          Let Alliance         Let Alliance will   Your personal
 Agent’s Application   will conduct a       set up an Agent     Account Manager
 form                  standard             account for you     will contact you to   You’re ready
                       verification check                       welcome you              to go!
                                            and send you an
                                                                on-board and take
                                            email confirming    you through our
                                            your account        simple online
                                            details.            process.
Head Office:           London Office:       Contact Emails:                Website:

19 Grosvenor Street,   75-77 Cornhill,      Head Office:                   www.letalliance.co.uk
Chester, Cheshire      London,              headoffice@letalliance.co.uk
CH1 2DD                EC3V 3QQ
                                            Tenant Assessment:
Tel: 0845 685 0475     Tel: 0845 478 4988   tenant@letalliance.co.uk

                                            Insurance Support Team:
                                            insurance@letalliance.co.uk

                                            General Enquiries:
                                            info@letalliance.co.uk

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Let Alliance Corporate Presentation

  • 1. Tenant assessment and insurance products just got a whole lot better. Find out how... renting solutions innovated!
  • 2. 02. Our Vision Our vision is for Let Alliance to be the 1st choice provider for tenant assessment and insurance products to the UK’s residential property lettings market
  • 3. 03. Our People I’m an Ag Laur a Morg ent a Acc Ros I’m Din R & oun enb Hea d of H ns tM e Relatio ana rg Cor porate ger tead Hals ndy I’m A r d e Foun I’m Alex Harvey I’m Paul Pearce I’m Joanna Dickens Head of Underwriting Sales & Marketing Director Head of Operations Let Alliance was founded by a management team with over 75 years experience operating within the lettings and financial service sectors. In addition to our property management expertise, we have partnered with first class underwriting and broking facilities in order to provide innovative and market leading solutions. The Let Alliance management team have played vital roles in the set up, and re-shaping of current market leading products. This has given us a unique insight into the restrictions within these products and has allowed us to design new innovative policies and services. Let Alliance was established to provide a new and innovative solution to the rental sector.
  • 4. 10 Commitments we make to every customer
  • 5. 05. The 10 Commitments We’re committed... ... to making business with us simple ... to helping our customers when they need us the most ... to listening to our customers ... to conducting business with honesty, openness and integrity ... to delivering the highest standards when dealing with customers, colleagues and suppliers ... to making promises only when we can deliver them ... to creating strong business growth ... to making the customer experience memorable for all the right reasons ... to fixing things if they go wrong ... to valuing and promoting diversity in all areas of recruitment, employment, training and promotion
  • 6. be committed our values be diligent be positive be honest be loyal be customer focussed be creative
  • 7. 07. Join the Alliance Join the Alliance and expect more! Expect a personal first class service Expect a friendly and knowledgeable Account Manager Expect a simple claims process Expect a flexible and user-friendly online referencing and insurance system Expect to save time with no insurance administration required from our agents Expect online insurance “quote and buy” options for Landlords and Tenants Expect us to cater for landlords with one property or a large portfolio Expect free referencing for Letting Agents Expect your credit referencing done within seconds with various options available Expect rent guarantee insurance solutions for Agents Expect comprehensive buildings and contents insurance specifically designed for Landlords and Tenants Expect emergency assistance cover 365 days a year Expect an easy life!
  • 8. So what’s it all about?
  • 10. 10. Products Five fantastic products designed to grow your business and protect your customers! 1 2 3 4 5 Tenant Rent Tenants Landlords Landlords Assessment Guarantee Contents Buildings and Emergency Products Insurance Insurance Contents Assistance with immediate with NIL Excess with NIL Excess Insurance Cover turnaround Specialist Cover Innovative Claims Process Let Alliance has responded to the current economic climate; through collaboration with the letting agent sector, we have created a unique and profitable range of products and services. Our IT platform is designed specifically for Tenant Assessment and therefore provides fast online access and processing – giving the ultimate in speed assessment and confirmation. Buy Rent Guarantee protection from Let Alliance and the Tenant Assessment is carried out free of charge!
  • 11. 11. Products 1. Our Tenant Assessment Products Tenant Express Tenant Ultimate Our “Express” credit report with instant Our “Ultimate” assessment will check not only the turnaround enables agents to secure applicant’s credit profile, but also their previous tenancies within the hour. landlord and employment details. Our dedicated team are experts in their field and aim to process Our checks include: all applications the same day. ✓ Full “Express” assessment check ✓ Affordability check ✓ Previous / Current / Future Employers reference ✓ Electoral Roll check ✓ Previous / Current Landlord Check ✓ County Court Judgements / Bankruptcy ✓ Full Guarantor references if required. Orders / IVA’s check Ability to assess: ✓ Non disclosed information check – Students ✓ Cross application check – Applicants with independent means – Retired Applicants – Companies
  • 12. 12. Products 2. Our Rent Guarantee Insurance Only 12% of landlords in the UK currently have legal expenses and rent guarantee insurance* Let Alliance has developed Rent Guarantee insurance designed to protect the Landlords and Letting Agents cash flow. In the event a tenant defaults on their rent payments, the rental income will be paid. Our Rent Guarantees provide comprehensive cover along with swift acceptances, an easy claims process and competitive pricing. Let Alliance Rent Guarantees are all NIL EXCESS and include full legal expenses cover. 6 Month Product includes: 12 Month Product includes: Either an Ultimate or Express reference An Ultimate reference free of charge free of charge Nil Excess Nil Excess Up to £2,500 rent per month Up to £2,500 rent per month Up to £25,000 Legal Expenses Up to £25,000 Legal Expenses included in order to obtain vacant included in order to obtain vacant possession possession Rent continues to be paid until tenant/ Rent continues to be paid until tenant/ ex-tenant vacates property. * Source: Paragon ex-tenant vacates property. Independent Property No re-reference cost at renewal Investment survey – No re-reference cost at renewal April 2010
  • 13. 13. Products 3. Our Tenant Contents Insurance Key features: 6 and 12 month policies available with Only 0.5% of landlords said that they insured tenants’ contents* no administration fees By forming strategic alliances with some of the UK’s market leaders, NIL Excess policy Let Alliance are able to offer a comprehensive Tenants Contents Cover available for any Sum Insured between £1 - £50,000 insurance policy, underwritten by AGEAS (formerly Fortis) at extremely competitive prices. Tenants Liability to Landlords up to £2,500 Our Tenants Contents product is designed to: Alternative Accommodation included Replacement of Keys and Locks ✓ Protect the tenants contents and personal possessions included Money and Credit Card cover ✓ Protects against accidental damage to the landlords fixtures Public Liability up to £2million and fittings ✓ Protects the tenants security deposit Additional Benefits: Helping Agents generate additional income on every property Accidental Damage Option available Unspecified Articles up to £5,000 available Specified Articles up to £7,500 available Pedal Cycle Extension available * Source: Paragon Independent Property Investment survey – April 2010
  • 14. 14. Products 4. Our Landlords Buildings and Contents Insurance Key features: Landlord Specific Buildings & Contents Bedroom rated product for ease Up to £2million sum insured available Accidental Damage included as standard for buildings – no additional charge! Up to 90 days unoccupancy Legal Liability Cover up to £5million Up to 20% Loss of Rent 4 out of 10 Landlords in the UK have insufficient protection on Trace and Access up to £5,000 their let properties* Malicious Damage by Tenant extension available It’s important for landlords to have Landlord specific insurance in Comprehensive contents cover up to £50,000 sum insured place that’s designed to protect the rental property for both buildings and contents. Replacement locks Competitive pricing We have the ability to provide cover to a landlord with one property Variable excess discounts available or landlords with larger property portfolios. Pay monthly policies Let Alliance have a specialist insurance team to administer policies Underwritten by AGEAS (formerly Fortis) and handle claims or queries; no administration is required by the letting agent. * Source: Paragon Independent Property Investment survey – April 2010
  • 15. 15. Products 5. Our Landlords Emergency Assistance Cover Covers incidents related to: Let Alliance provide an Emergency Assistance product specifically Plumbing and Drainage designed for Landlords 365 days a year, 24hrs a day. Gas and Electrical Supply Security and Glazing This policy pays out on unlimited claims up to £500 per claim and Pests up to £100 per night for alternative accommodation. Roofing Our product also includes a Nil Excess feature! Main Heating and Boiler cover
  • 16. What does it cost?
  • 17. Much less than you think
  • 18. Better Products. Better Prices. Better Commission. Product Description Price You Get Express Reference £8.00 Ultimate Reference £16.00 6 Months Rent Guarantee Insurance + Free Express Reference £45.00 6 Months Rent Guarantee Insurance + Free Ultimate Reference £35.00 12 Months Rent Guarantee Insurance + Free Ultimate Reference £60.00 6 Months Tenant Contents Insurance (subject to status) £45.00 20%* 12 Months Tenant Contents Insurance (subject to status) £90.00 20%* Emergency Assistance Cover £95.00 20%* 12 Months Landlord Building & Contents Insurance (subject to status) £290.00 20%* (Special prices for portfolio insurance) * Negotiable subject to volume
  • 19. 19. Our Business Partners Our Business Partners... Founded in 1975, DAS have Ageas is a leading provider of A specialist general insurance become firmly established as award-winning Personal and intermediary and third party the clear leader within the legal Commercial Lines insurance administrator providing wide expenses insurance market. solutions in the UK. Insuring in ranging solutions for the region of 7.6 million underwriters and distributors of By maintaining growth and customers in the UK and working insurance products. establishing a strong financial with a range of partners. We work base, DAS has been able to together with our partners and invest in the development of suppliers including UK General, market-leading products and delivering innovative products services. and exceptional customer service to help customers prepare for whatever lies ahead Let Alliance Ltd is an appointed representative of Advent Solutions Management Ltd who are authorised and regulated by the Financial Services Authority, No. 308751. UK General a trading name of UK Underwriting on behalf of Ageas Insurance Limited
  • 20. How do I join the Alliance?
  • 21. 21. Next Steps Joining the Alliance couldn’t be more simple 1 2 3 4 5 Complete our Let Alliance Let Alliance will Your personal Agent’s Application will conduct a set up an Agent Account Manager form standard account for you will contact you to You’re ready verification check welcome you to go! and send you an on-board and take email confirming you through our your account simple online details. process.
  • 22. Head Office: London Office: Contact Emails: Website: 19 Grosvenor Street, 75-77 Cornhill, Head Office: www.letalliance.co.uk Chester, Cheshire London, headoffice@letalliance.co.uk CH1 2DD EC3V 3QQ Tenant Assessment: Tel: 0845 685 0475 Tel: 0845 478 4988 tenant@letalliance.co.uk Insurance Support Team: insurance@letalliance.co.uk General Enquiries: info@letalliance.co.uk