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Jun, 2015

Tuesday

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  1. 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...
  6. 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.
  7. 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...
  8. 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...
  10. 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...
  11. 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...
  13. Contact your buildings insurer and explain the...

    Contact your buildings insurer and explain the situation. They will hopefully be able to assist you in this matter under the property owners liability section of your policy. Do not answer any...
  14. They are both the same cover... Property Owners...

    They are both the same cover... Property Owners Liability is just the more common way of referring to Public Liability Insurance cover for Property Owners.
  15. Your current home insurer is probably the best to...

    Your current home insurer is probably the best to speak to. Normally property insurers will include detached garages on the same insurance as your house as long as they are on the same or adjoining...
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    We have this question on our forms and it...

    We have this question on our forms and it requires the length of time the property has been unoccupied in total, so in your case this would include before your ownership as well.

    This is only from...
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    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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    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...
  21. 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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    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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    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...
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