Home Insurance


Home insurance FAQs

Do I need home insurance? You are under no legal obligation to have home insurance, but there are several reasons why you might need it: you are likely to have invested a considerable amount of money in your home and if it is destroyed – by a fire, explosion or impact from a runaway vehicle, [...]

What to look for when buying let property insurance

Let property insurance is not something that’s more or less identical between policies – apart from the price. There may be very substantial differences between policies and it would be prudent to be sure you know what they are in advance. Discovering some of the points below for the first time when you’re trying to [...]

A buyer’s guide for landlord portfolio insurance

If you own more than just a single buy to let property, you might want to consider the benefits of landlord portfolio insurance. Appropriate landlord insurance is essential, of course, for each one of your buy to let properties, but just as the title suggests, landlord portfolio insurance covers all of them under a single [...]

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 [...]