LandlordZONE

28

Aug, 2015

Friday

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  1. Replies
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    Buildings and Contents insurance policies should...

    Buildings and Contents insurance policies should both include liability cover in respect of what is being covered but always wise to read the small print on any quote you are being given.
  2. You can also try the LandlordZONE's own Insurance...

    You can also try the LandlordZONE's own Insurance Directory for a list of brokers who can all probably help.
  3. Most of the contents only policies we offer here...

    Most of the contents only policies we offer here have liability cover included in respect of the contents. We also offer a stand alone liability policy but it is actually more expensive than the...
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    Most landlord legal protection insurance policies...

    Most landlord legal protection insurance policies should include eviction cover which provides the legal costs incurred to evict anyone, other than tenants who have your permission to be in the...
  5. A lot of the buildings insurance policies we...

    A lot of the buildings insurance policies we offer now include "Trace and Access" cover. This provides cover for finding the leak and making good the damage caused in the process of finding the leak....
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    As long as the tank did not burst due to a wear...

    As long as the tank did not burst due to a wear and tear issue (i.e. it was in good condition and within its expected life span) then the tank and resultant water damage should be covered on the...
  7. Two addresses!!! You're right we wouldn't be able...

    Two addresses!!! You're right we wouldn't be able to cope with the information overload :(blush):

    In all fairness, you are right to an extent. I've never seen an online form that would allow more...
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    Having dual insurance is not recommended. In...

    Having dual insurance is not recommended. In fact, if you told the insurer that basic buildings cover is already in place they would probably shy away from the policy as in the event of a claim that...
  9. This is a pretty standard set up. We set these up...

    This is a pretty standard set up. We set these up all the time in our office either over the phone or online and wouldn't of thought any other landlord insurance broker would have a problem either.
    ...
  10. Most insurance companies have similar claims...

    Most insurance companies have similar claims proceedures, they should always honour a valid claim but it is the claim itself that normally denotes the complexity of how it is handled and how much...
  11. Tricky question to answer really... as with any...

    Tricky question to answer really... as with any insurance, it is "worthwhile" if something happens and you have to claim or it is "money down the drain" if nothing happens!

    The best way to look at...
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    I think the above comments sum it up but just to...

    I think the above comments sum it up but just to re-iterate the most important part which is you have been told that cover has been cancelled so you should before anythhing else (including posting on...
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    When someone approaches us in this situation we...

    When someone approaches us in this situation we would ask what your intention is with the property. This will determine the best course of action (i.e. policy type) to provide you.

    In most cases...
  14. As above says, Holiday Home Insurance is...

    As above says, Holiday Home Insurance is specifically for homes let on a short term basis. Most Landlord insurance brokers offer a Holiday Home insurance product too as it kind of falls into a...
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    This is a difficult one to give great advice on...

    This is a difficult one to give great advice on as there are many factors that dictate how a claim like this is handled and ultimately how quickly it is resolved. It sounds as though you have done...
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    In most cases (certainly with all our insurance...

    In most cases (certainly with all our insurance companies), to obtain a landlords building insurance, there has to be some form of lease agreement in force between you and the tenant. An insurance...
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    This would be something the insurance company...

    This would be something the insurance company would be best to speak to as there are several things that can cause cracks. The insurer may ask questions, look at photos or send an expert round to...
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    It is difficult to advise on is what type or...

    It is difficult to advise on is what type or level of cover you should get as this is obviously a personal preference but most people will take out buildings insurance at a minimum. It would be...
  19. You aren't allowed to post websites I'm afraid....

    You aren't allowed to post websites I'm afraid. Please use the LandlordZONE Insurance Directory for a list of brokers that may be able to help.
  20. You don't "need" to take any insurance cover but...

    You don't "need" to take any insurance cover but it is highly advisable to take out buildings cover as a minimum, not just for the property owners liability side of things, but also for perils such...
  21. I can't speak for other brokers but I would...

    I can't speak for other brokers but I would assume their policies are the same or similar to ours... you would look to take out a standard landlords buildings insurance policy but you will need to...
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    This is very true and there is no golden rule to...

    This is very true and there is no golden rule to what a material fact is as every insurer will look at a risk differently. It makes it difficult for customers to answer and brokers to advise on but...
  23. This is a very bold statement and one that I hope...

    This is a very bold statement and one that I hope people reading take with a pinch of salt. It seems your court case has gone very well for you and that your solicitor has found you case to be clear...
  24. Comparison websites are great for comparing price...

    Comparison websites are great for comparing price but not so good for seeing what you get for your money. They work well for simple insurance products and this is where the big players in the...
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    Any good broker should be able get you a quote of...

    Any good broker should be able get you a quote of some description as long as you are not talking a £50k+ claim. If you are still struggling to get anyone to provide a quote then your best bet is...
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