Frequently asked
questions.
Answers for brokers on trading with RE:NU, our property insurance products, unoccupied risks and claims.
Trading with us
Working with
RE:NU
How brokers open an agency, submit risks and reach our underwriters.
How do I start placing business with RE:NU?
Speak to our broker development team at brokers@renu-underwriting.co.uk and we will walk you through the agency application. Once the agency is in place you can send risks straight to an underwriter, with no portal queue in between.
Do you deal directly with property owners?
No. RE:NU works through the UK broker market. Property owners should speak to their insurance broker, who can place the risk with us.
How do I submit a new business or renewal quote?
Send new business presentations and renewal submissions to submissions@renu-underwriting.co.uk for review by our underwriting team.
Who can I speak to about appetite or a specific risk?
Email enquiries@renu-underwriting.co.uk to speak to an underwriter about appetite, cover or a risk you are looking to place. Brokers get direct access to the underwriter reviewing the case.
Products & appetite
Products and
appetite
What we cover, our limits and the types of property we can consider.
What products does RE:NU offer?
We offer four property insurance products: Commercial Property Owners, Commercial Unoccupied, Residential Property Owners and Residential Unoccupied. See all of them on our products page.
What are your minimum premium and maximum sums insured?
Our products start from a minimum premium of £350 plus Insurance Premium Tax (IPT), with a maximum total sum insured (TSI) of £5m, subject to underwriting criteria.
What types of commercial property can you insure?
Our appetite includes a broad range of commercial property, including offices, shops, warehouses, industrial units and mixed-use properties, from single premises to multi-location portfolios.
Do you cover holiday lets and short-term lets?
Yes. Our Residential Property Owners product covers properties used for holiday letting and short-term lets, including properties advertised through online booking platforms.
Can you consider non-standard construction or previous subsidence?
Yes. We can consider selected risks involving non-standard construction (including flat roofs), previous subsidence, renovation and conversion, adverse insurance or financial history and certain previous convictions.
Unoccupied property
Unoccupied
property
How we look at vacant commercial and residential buildings.
What counts as unoccupied, and how long can a property stand empty?
Our Commercial Unoccupied and Residential Unoccupied products cover properties that are vacant, undergoing works or renovation, awaiting sale or occupation, or between occupancies. Speak to an underwriter about the specific circumstances of the risk.
What do your underwriters look at for an unoccupied risk?
Each property is assessed on its own circumstances, including the condition of the building, the security in place, its intended future use and the expected period of unoccupancy.
Can you insure a home that is empty during probate?
Yes. Residential Unoccupied can include properties that are vacant during probate or other changes in ownership, as well as homes between tenants, awaiting sale or undergoing renovation.
Claims
Claims
What to do when a policyholder needs to make a claim.
How do I notify a claim?
Contact our claims team as soon as possible at accelerant@dwfgroup.com. The team will guide you through the next steps. You can also read our claims page.
What information will I need?
It helps to have the policy number, date of loss, property address, policyholder name, a description of the incident and contact details.
Who handles RE:NU claims?
Our claims service is delivered in partnership with DWF Claims Ltd, 1 Scott Place, 2 Hardman Street, Manchester, M3 3AA.
Is RE:NU regulated?
RE:NU Underwriting is a trading style of RENU Limited, an Appointed Representative of Century Underwriting, which is authorised and regulated by the Financial Conduct Authority. You can check our status on the Financial Services Register.
Who underwrites RE:NU policies?
Policies arranged by RE:NU are underwritten by insurers and capacity providers authorised to transact insurance business in the United Kingdom. Details of the insurer for each policy are in the policy documentation.
How do I make a complaint?
Please see our complaints procedure for how to contact us and what happens next.
Still have a question?
Speak to an underwriter about appetite, cover or a specific property risk.