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What does landlord insurance cover?

Broadly speaking, there is much within landlord insurance policies that should be familiar to almost anyone who has previously owned a property as an owner-occupier. There are though some important differences and subtleties which we’ll examine here. An important precursor Before getting into the nitty-gritty, it is worth re-stating that, however similar landlord insurance may [...]

HMO landlords’ insurance

If your portfolio of buy to let properties includes one or more Houses in Multiple Occupation (HMO), you need to be aware of the warning published by Landlord News on the 28th of September 2017. The article explains that stricter new rules are likely to be introduced for landlords of HMOs this spring requiring them [...]

Motor trader insurance FAQs

Is there a standard definition of a motor trader? The official government website defines a wide range of occupations – which may be pursued full-time or only on a part-time basis – as those of a motor trader: motor dealers, repairers or manufacturers – a category which includes those who collect or deliver vehicles; manufacturers [...]

A guide for motor traders looking for insurance

If you are in business as a motor dealer, one of the principal defences protecting the very existence of your business is likely to be motor trade insurance. In this brief guide to motor traders’ insurance, we help to explain why that is: Your broker given the risks and the investment likely to be at [...]

It’s the most vulnerable time of the year! 52% of Brits don’t have a home burglar alarm

More than half (52%) of Brits don’t have an alarm system installed in their home, reveals a new study into how we are protecting ourselves against theft this Christmas. Of those who do have an alarm installed, 12% admit to it being either fake, faulty or broken – leaving only 36% of homes protected. With [...]

Top tips on getting cheaper empty property insurance

If you are already looking for cheaper unoccupied property insurance, then you are probably fully aware why such cover is important. So, let’s move straight on to some practical tips you might find useful in your search. Consider the exact status of your property Broadly speaking, landlord insurance providers regard the terms “empty property” and [...]

How to Lower Your Auto Insurance Premium by Installing the Right Safety Devices

  There are a number of factors that help you determine the cost of auto insurance. For instance, how frequently you drive your car, your place of residence, and the type of car you drive help determine the cost insurance. You may enhance your personal safety and protect your investment by investing more towards safety [...]

Small business fleet insurance

Do you think that your fleet is too small for fleet insurance policies? If so, you’re not alone. Yet that belief is typically mistaken because small business fleet insurance policies exist and they might offer you some considerable advantages. What is a fleet? In theory, a “fleet” can be viewed as anything more than a [...]

Do I need student landlord insurance?

According to the Higher Education Statistics Agency (HESA), there were more than 2.25 million students enrolled in universities and colleges throughout the UK. During term-time, the great majority of these were living in privately rented accommodation. If you are the landlord of buy to let property, therefore, accommodation for students offers a huge and potentially [...]

Are all caravan insurance policies the same?

Sometimes a proposition is put forward to the effect that “all insurance policies are more or less the same”. This isn’t restricted to caravan insurance but it’s certainly heard in that context too. Let’s examine this and see whether or not the assertion has any basis in fact. The purpose At the highest level, all [...]