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May, 2015

Sunday

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  1. Replies
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    164

    Any claim you make on an insurance policy will...

    Any claim you make on an insurance policy will require the exact circumstances of the incident you are claiming for. This is not "stubborn" this is just standard collection of information about the...
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    465

    You may find a lack of response to your question...

    You may find a lack of response to your question as naming names is not good practice on this forum. See: How to Use these Forums > Avoid potential libel in LandlordZONE posts

    In most cases the...
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    I have never heard of such a policy and would...

    I have never heard of such a policy and would doubt one exists on the basis of it being open to abuse like you say. Just being between tenancies is something that landlords have to take on the chin...
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    Accessing or visiting the property will not...

    Accessing or visiting the property will not change the fact that the property is still unoccupied (i.e. not being lived in). In the event of a claim the landlord insurer will possibly ask for a copy...
  5. As the previous comment states, you probably need...

    As the previous comment states, you probably need to speak to a broker to get the right insurance for your requirements.

    I can only speak from the point of view of our products so cannot comment...
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    383

    This would potentially come under the "Is the...

    This would potentially come under the "Is the property in a good state of repair?" question but should be disclosed regardless as a material (relevant) fact.

    The insurer will more than likely want...
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    237

    Have you tried the LandlordZone Insurance...

    Have you tried the LandlordZone Insurance Directory? Plenty of companies to add comparitive quotes to your list.
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    Welcome to the forum John, An insurance...

    Welcome to the forum John,

    An insurance company will only "wiggle out of a claim" if what you are claiming for is not covered on the insurance policy OR you have not given them correct/up-to-date...
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    Thanks JK0! Yes, Ashburnham still have markets...

    Thanks JK0!

    Yes, Ashburnham still have markets that cover non-resident landlords. A few years ago this wasn't a problem but there seems to be just a handful of insurers that are still willing to...
  10. Is this not reason enough to make sure you do...

    Is this not reason enough to make sure you do have insurance?

    Top tip to negotiate quotes downwards is to carry on doing what you are doing! Get insurance brokers to do the hard work for you. Be...
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    I'm very suprised you are having trouble with the...

    I'm very suprised you are having trouble with the cover. Obviously this is not every insurer's cup of tea but if you've got a broker on the case they should be able to source an alternative insurer...
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    From an insurance angle, I would have to say you...

    From an insurance angle, I would have to say you are in massive danger over whether the insurance is valid full stop. As you mention you have "malicious damage by tenant" cover I assume you have...
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    The only way a broker earns money on your policy...

    The only way a broker earns money on your policy is through commission and fees. The level of commission an insurer provides the broker can vary drastically. In some cases there is no commission...
  14. Thread: insurance

    by ashburnham
    Replies
    3
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    371

    The answer to your question is one that lets you...

    The answer to your question is one that lets you stay in their luxury fully furnished mansion, rent/bill free for as long as you wish to do so!

    If indeed you mean landlord insurance then this is...
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    I would definitely take the advice above and...

    I would definitely take the advice above and employ a professional surveyor as it is the only way you will get an accurate figure but if you are looking for just an indication of rebuilding cost for...
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    If you are happy with the policy from Covéa...

    If you are happy with the policy from Covéa Insurance, you could always stay with them and seek to get your boiler and home emergency cover separately. The insurers/brokers who offer it as a package...
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    I am suprised to hear that you are being guided...

    I am suprised to hear that you are being guided down the two policy route!

    If you enter the main hallway and there are then two lockable entrances within (i.e. one to your section of the main...
  18. Most landlord insurance policies will have this...

    Most landlord insurance policies will have this 30 day restriction. You are probably more likely going to need an unoccupied property insurance that caters for these longer lengths of time.

    We...
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    You would insure the whole building as a mixed...

    You would insure the whole building as a mixed use property, quite standard under the "landlord buildings insurance" heading. You would then probably want to insure your belongings in your flat which...
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    As a landlord insurance broker ourselves, we...

    As a landlord insurance broker ourselves, we offer a huge range of different products to suit each of our landlord customers' individual needs. We have some that allow the property to be unoccupied...
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    We offer a tenant's contents insurance which...

    We offer a tenant's contents insurance which includes liability cover for the occupier. I would imagine that our policy is similar to others so just check the contents policies you are looking at.
    ...
  22. Beat me to it!...

    Beat me to it! http://www.landlordzone.co.uk/forums/showthread.php?56318-Escape-of-Water-Leaks-in-Flats
  23. 1. It is fine for her to be noted on the policy....

    1. It is fine for her to be noted on the policy. Anyone with a finacial interest of any description should be noted on the policy We generally recommend leaseholders are noted in these circumstances...
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    This is certainly a valid point!!! I stand by...

    This is certainly a valid point!!!

    I stand by my comment but it was a brief remark that maybe needed to be read into a bit deeper, but I shall extend what I have written for clarification (or...
  25. As a broker, we deal with a whole panel of...

    As a broker, we deal with a whole panel of insurance companies. A few years back this was not a problem for any of them but I would say now that a third of them no longer cover overseas. This still...
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