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Property

Insurance cover for all your properties whether they are commercial or residential

Whether you’ve got a large portfolio or single building. Whether it’s rented out privately or commercially, we know the challenges Landlords face.  When trying to find the correct insurance you’re much better off speaking to a broker with expertise to direct you to the correct insurance.
 
Remember a building is probably your largest asset, could you afford to be incorrectly insured?
 
Do not make the mistake of underinsuring a building, there can be more draconian rules applied in the insurance industry when it comes to insuring buildings.  In certain circumstances, insurers will refuse to pay a claim because of what seems to be the slightest oversight. 
  
Simply hit the button below to be sent to the relevant quotation pages. Alternatively, call our office on 01204 848481.

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We can offer a quote for multiple properties on one policy

We can offer a dedicated account handler throughout the year

We have access to lots of insurers

We can offer a bespoke quote suitable for your needs

Why choose Impact Insurance

  • Authorised and regulated by the Financial Conduct Authority (FCA)
  • Highly experienced brokers and a personal service
  • Independently owned and operated since 1997
  • Competitive prices developed through our long-standing relationships with market-leading insurance partners
  • Highly rated by customers on Google and Facebook
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★★★★★ 5/5
“When I passed my driving test Impact was the first place I ever went for my car insurance. That was over 5/6 Years ago and since then they have been amazing. The company have this really good atmosphere which is really welcoming. Can’t recommend the place enough 😊🚗”
Kate, via Google Reviews
★★★★★ 5/5
“Very good service all round, David was always there explaining everything step by step, and was very helpful, would highly recommend and will certainly be using them in the future.”
Karen, via Google Reviews

How to get Property cover

Online

Complete our quotation forms online and we’ll get right back to you with your options.

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On the phone

If filling in forms isn’t your thing, you can give us a call instead.

01204 84 84 81

Visit us

Come down to our Bolton-based offices and we’ll sort everything for you.

Find us in Bolton

Need a Property quote?

You can get a quote online. If filling in forms isn’t your thing, you can call or come down and visit us instead.

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For all your insurance needs.

Insurance Services

Company Information

Impact Insurance Services (Bolton) Limited are authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 304613.
Registered Address: 67 Chorley Old Road, Bolton BL1 3AJ. Registered in England with company no. 04939219.
Members of the Society of Insurance Broking.

© Impact Insurance. All Rights Reserved.

Duty of Disclosure

Where the main use of the contract is private.

Your duty to give information

When applying for or amending your insurance policy, we and / or your insurer will ask a number of questions to assess the risk prior to agreeing cover. It is your duty to ensure that you answer all questions raised by insurers or us honestly and reasonably. These questions are designed to enable us or the insurer to obtain a comprehensive picture of the nature of the risk to be insured, and only by asking such questions and receiving answers which are given honestly and with reasonable care, can we or the insurer be in a position to offer terms which are designed to meet your demands and needs.

The reason why this is vital and extremely important is that if you fail to tell us or the insurer something when asked, or, if you answer carelessly or act deliberately or recklessly in making misrepresentations when answering questions, your policy may leave you with no insurance protection; insurers may not pay a part or all of your claim and may cancel your policy. You may find it difficult to re-arrange cover because you did not tell an insurer everything when asked, and you will have to disclose this fact when you reapply for insurance.

FAILURE TO ANSWER QUESTIONS HONESTLY AND REASONABLY, WHEN ASKED, MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID

Duty of Disclosure

Where the main use of the contract is commercial.

It is your duty to ensure that you provide a fair presentation of the risk to underwriters; the objective of a fair presentation is to give us all the information underwriters might need to quote the premium and decide what terms to apply.

You have a duty to disclose every material circumstance that you know or ought to know after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during the policy period. A circumstance is material if it would influence the underwriters decision whether to accept the risk, including terms and pricing.

If there is any doubt whether a circumstance is material to this risk, it should be disclosed as failure to disclose may entitle insurers to refuse to pay a claim or apply additional terms or reduce the claim payment.

The point of a fair presentation is that it is far better to declare everything at the time of a quotation than to let the insurer find things out at the time of a claim.

FAILURE TO DISCLOSE THESE FACTS MAY LEAVE YOU WITH NO COVER AND A CLAIM NOT PAID.