This product is not available ‘open market’ and is exclusive to Property Protector. 

Delta is exclusive to Property Protector, and is underwritten by Hiscox Insurance Company Limited.

Delta is a mid market option for residential properties only. Although cover is slightly pared down from it’s big brother Alpha, this wording still ‘packs a punch’ and brings the Hiscox service at a competitive price point.

The policy automatically provides cover for loss of rent, and is still market leading in some of it’s policy limits. We can still offer a Directors & Officers extension with various limits, and Employers Liability is automatically provided for domestic employees.


Payable by direct debit – 10 months interest free instalment facility available


Key Features

  • Accidental Damage Cover
  • Malicious Damage & Theft by Tenants
  • Trace and Access Cover up to £25,000 any one loss
  • £5m Property Owners Liability Cover
  • Loss of Rent Cover up to 30% of Buildings
  • Emergency Access Cover up to £5,000
  • Replacement Locks up to £5,000 Per Incident (£25,000 any one period)
  • 90 Days Cover for Unoccupied Property
  • Directors & Officers cover available
  • Wide Property owners liability wording
  • Easy Statement of Fact basis of cover
  • Includes ARAG Legal Expenses


Rob Pountney

Managing Director, Murton Alexander Insurance

"We have used the Property Protector scheme since it first launched in 2002. Being brokers like ourselves, the underwriting team understand the problems we face, and are always sympathetic to our needs. This attitude coupled with their background in Property Management means that they are a valued partner and we would have no hesitation in recommending them to any member who has property owning clients."

Grant Ellis

Property Protector Policyholder

"I have known the team at Property Protector for many years and when my broker recommended them to me as a carrier for my personal property owners business I had no hesitation in accepting. They act with great professionalism and the service standards are first class. As a customer I have no hesitation in recommending the Property Protector product."

Steve Allwright

Director, Firth & Scott Insurance Brokers

"Firth and Scott have been placing both residential and commercial property owners business on the Property Protector Scheme since 2002. During this period we have found the underwriting staff sympathetic and flexible in meeting our clients’ needs. The policy wording in respect of unoccupied premises has proven to be an extremely popular policy benefit with our clients. When called upon, we have found the claims handling service to be proactive, efficient and fair."

Nicolas Martin

Director, Guy Penn & Company

"Since commencing using Property Protector in 2005, we have been very impressed not just with the breadth of cover (which automatically includes Accidental Damage and Terrorism), and competitive pricing but also with the excellent service we receive which results in our obtaining quotations and cover confirmations within 24 hours of request in most cases"