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Jun, 2017

Sunday

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  1. Replies
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    First thing I guess is to see if your tenant has...

    First thing I guess is to see if your tenant has kept their copy that you can use. If not then you have no option but to come clean with the insurer and hope they will accept your word or provide you...
  2. ... and I run a specialist broker and the...

    ... and I run a specialist broker and the insurance is not straight forward. We deal with many insurers and there is no guarantee we would be able to get a quote for you. It would almost certainly be...
  3. Sounds as though it is being made overly...

    Sounds as though it is being made overly complicated but every insurer/broker is different and only they can really clear up your situation with them.

    Most of our landlord insurers work the...
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    337

    Most insurers would deem a tenant as an...

    Most insurers would deem a tenant as an individual or family. Therefore a husband, wife and children would generally be classed as one tenant for insurance purposes. As previous comment suggests,...
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    232

    The two answers you have received are better than...

    The two answers you have received are better than seeking a new short term policy. Requesting to extend your existing policy by a few weeks is the best option but this may not be possible and is down...
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    209

    This is certainly a liability policy and not...

    This is certainly a liability policy and not landlords/property type insurance. You will find this type of insurance can be referred to as "Residents Land Insurance". If you type that phrase into...
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    211

    I've come across this a few times and it can be...

    I've come across this a few times and it can be covered under the right landlords policy but it is certainly something you will need to speak to a broker about to make sure you get the right cover....
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    If you insure your contents on a specific...

    If you insure your contents on a specific "tenants contents insurance" type policy, then it should include tenant's liability cover. Don't assume every contents policy has this cover as there are...
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    261

    So is there a history of flooding in this area or...

    So is there a history of flooding in this area or is the property close to a water course? Do you have any reason to thinkl the property is at risk of flooding?

    If the answer is no to both then it...
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    In answer to "michaelwgroves" question, probably...

    In answer to "michaelwgroves" question, probably not. Even if it is possible, it would have to be via a specialist insurer who would have to rate on the worst case scenario so you would always be...
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    We had a "senior" member of staff working here...

    We had a "senior" member of staff working here until recently who couldn't get out of the habit of calling them DHSS Tenants (which preceeded DSS and was defunct in 1988)! DSS has massively stuck in...
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    Sorry, you have misinterpreted what I meant... I...

    Sorry, you have misinterpreted what I meant... I was suggesting the lease agreement MAY confirm who is responsible for paying any insurance excess. The insurance excess amount will obviously be...
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    Completely understand the management company...

    Completely understand the management company pushing you away from claiming on insurance. Gives them something else to "manage" along with the potential of rising insurance costs which may cause...
  14. Basically, this is what your insurance cover is...

    Basically, this is what your insurance cover is there for. Most buildings insurance policies will include Property Owners' Liability as standard so all you need to do is forward all correspondence to...
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    458

    I would very much doubt it. All policy wordings I...

    I would very much doubt it. All policy wordings I have read only provide Property Owners' Liability in respect of the property being insured.
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    A tricky one this... quite often when garages are...

    A tricky one this... quite often when garages are separate from the house, they are still under the one deed and this makes it easier to approach an insurer about getting cover for it. As it stands,...
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    317

    This is true in most examples of "how will they...

    This is true in most examples of "how will they know?" but insurers have a habit of digging (excuse the pun) when a customer needs to make a claim. Customer rings insurer worried about large cracks...
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    Every insurer is going to ask if your property...

    Every insurer is going to ask if your property has been underpinned. They will probably also ask about nearby excavations or building works that may have an effect on your property. Even if they...
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    In my numerous years selling landlords insurance...

    In my numerous years selling landlords insurance policies, I have never known an insurer to offer a landlord buildings policy without property owners liability included or at least the option to add...
  20. Like you say it is common practice for AST to...

    Like you say it is common practice for AST to become periodic. All the insurers we use expect and allow this although some of their wordings are clearer than others in this respect. It would be poor...
  21. Well in your scenario the owner and the occupier...

    Well in your scenario the owner and the occupier are two different things so this doesn't sound right. It would be strange to offer occupiers liability on a landlords insurance policy. Speak to the...
  22. Property Owners Liability... Landlord...

    Property Owners Liability... Landlord Liability... Landlords Public Liability ... these are all phrases that I have heard for what is the same cover in this context. Occupiers Liability (or Tenants...
  23. In terms of liability insurance, you will not be...

    In terms of liability insurance, you will not be able to take over the liabilities of someone else nor insure against them. Your only route may be to ask the freeholder to obtain the appropriate...
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    My post was based on your current insurance...

    My post was based on your current insurance position which is a refusal to pay from the housing association's insurer. The only insurance option is therefore for you to attempt to overturn that...
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    The problem here is that they have denied...

    The problem here is that they have denied negligence so you will somehow have to prove it. We can all see how this has been caused and are completely on your side but unless they come forward,...
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