Overseas & Non-Resident Landlord Insurance

Do you rent out properties in the UK, but live abroad as an expat?

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Overseas & Non-Resident Landlord Insurance

Do you rent out properties in the UK, but live abroad as an expat?

✔️ Cover for Expats & Overseas buy-to-let landlords
✔️ Compare UK providers with one quick form

✔️ Buildings, contents, accidental & malicious damage
✔️ The last quote form you'll ever need for overseas property owners

Compare landlord insurance quotes

The best insurers are here for Non-Resident Landlord Insurance

cia landlord insurance
sme business insurance
Peacock insurance services
Discount insurance
gsi-insurance
AJG insurance

Learn More About Overseas & Non-Resident Landlord Insurance*

Landlord insurance for non-residents or overseas landlord landlord needs some simplicity to it, and that's why your questions stop here with this guide.

Whatever you are doing with your rental property in the UK, making sure you have it protected while you are abroad keeps things ticking over.

Get the right non-residents insurance for your UK property with an easy quote form.

Cover Your UK Property from Another Country

HM Revenue & Customs (HMRC) have all the relevant laws written up for non-residence landlords. These rule cannot be broker, but on the other hand, the HM Revenue & Customs (HMRC) are very fair and would forgive you if you put things in order before they get out of hand.

Pay your taxes and you'll never get into trouble when you are an overseas landlord.

What's in this guide?

In this guide, you can learn all about protecting your property while you are overseas and a non-resident of the UK. 

Learn...

What is a Non-Resident Landlord?

About overseas & non-resident landlord insurance
  1. The term," non-resident" is a person that lives outside the UK and pays the HM Revenue & Customs (HMRC) taxes back here in the UK.

  2. And remember for not more than six months, which means to be a non-resident you must visit the UK every six months for your application to remain valid.

To get a "non-resident" status you must apply for it.

Non-Resident Landlord Scheme Guidance

Yes, there's a scheme for tenants and landlords and it's a good one and you can get help with any issues you run into as you go through it.

The taxman (HMRC) responds in writing so records are kept up to and concise.


Guidance for Tenants and Landlords

Tenants in the UK

All tenants who pay a landlord rent while there abroad needs to send the HMRC an annual tax return if they pay more than £100 per week in rent money.

Letting Agents Abroad

If you collect rent monies for landlord properties here in the UK you need to declare that, also. You need to tell the HMRC the amount of rent you have collected from Non-resident landlords on your books.

If you are a sole letting agent ( helping a friend or someone in your family) they must declare rental income over £100 per week.

Tax Forms: Non-Resident and Overseas Landlords

Getting things in order is what it's all about and the government here in the UK make things easy for you. They offer you 30 days to register before anyone moves into your renting property here in the UK.

Online Forms You Need:

If you are doing the work for the tenant, both the tenant and the landlord need to report to the HMRC with these forms.

Tenants:  NRLY form

Landlords:  NRL6 form

And send them to this address as you are overseas.

HM Revenue and Customs
Charities, Savings and International Operations S0708
PO Box 203
Bootle
L69 9AP

Keep this paperwork for as long as you can so you can prove tax payments to the HMRC. Also, save all email back and forth and any other documentation for listed buildings or special circumstance that is written on paper.

Keep documents safe and secure as you may need them one day.

Non-Resident Landlord Buildings Insurance

When you have all your tax form sorted out the next important parts is the overseas landlord buildings insurance, itself. With a foreign landlord insurance policy for the buildings, you are covered for fire and flooding damage while you are in another country.

You are also covered for the following:

  • Arson
  • Water damage
  • Subsidence
  • Earthquake damage
  • Storm damage

Non-Resident Landlord Contents Insurance

And with overseas landlord contents insurance, you cover all the internal aspect of your property while you living overseas. This is an optional cover and landlord who get good rent money, say over £1000 per month should consider contents insurance beside buildings insurance.

Contents insurance covers the following:

  • All fixtures and fittings
  • White goods
  • Furniture landlords own
  • Accidental and malicious damage

Buildings insurance is considered a priority.

Get a non-residence landlord insurance quote...

When you need landlord insurance for non-resident property owners, it’s not always easy to find an insurance company that can help. In fact many landlords struggle with it, but not anymore because we have a system you can use to that get's that job done.

Article: Non-residence landlord insurance:

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