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Understanding Landlord Insurance

Written on February 21, 2012 at 6:43 am, by editor

Professional brokers understand the risks that landlords face when renting out their property or properties. Unfortunately for many landlords a steep rise in the cost of living has left them without contingency plans for landlord insurance cover. Brokers realise how some landlords may put insurance on the back burner however this could be a costly mistake especially if a tenant disappears and owes a considerable amount of money in rent arrears.

Without insurance landlords could suffer financial melt-down if rent arrears are not settled, speak to reliable brokers today about their many affordable landlord insurance products.

Guarantee your rent

Brokers can provide landlords with the security necessary by offering low cost rent guarantee insurance so they won’t lose out because of rent arrears or disputes, some of the products available are:-

Legal expenses insurance – this is definitely a comprehensive legal insurance package that landlords should seriously consider, it will cover any dispute between them and their tenants.
Legal expenses and rent guarantee insurance – this is also comprehensive cover regarding rent problems between landlords and tenants, however rent is guaranteed by brokers for up to six months.

Tenant referencing

It is worth noting that established online brokers do require, as part of their guarantee rent cover, to have tenants cross-referenced before they move into a property. This should be carried out for all types of tenants whether they are professionals, self-employed, DSS or asylum seekers. In the event of a claim for rent guarantee the responsibility does lie with the policy holder that their tenants have been thoroughly checked using:-

ID and a clear verified photograph
Utility bills or bank statements
Confirmation of employment, if employed
Salary documents
Professional services to see if tenants are clear of CCJs or bankruptcies

Frequently asked questions

Renowned online brokers are well aware that landlords may have questions regarding landlord insurance, they have implemented a frequently asked questions section on their websites that is easy to navigate and contains plenty of information. Should you be unable to find an answer to any queries, drop them an e-mail or speak to an insurance representative by telephone. Brokers offer a free online quote service to find the best landlord insurance at the lowest price, you’re under no obligation to buy but do take your time to check out all policy features and how they can benefit you.

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It’s necessary to have Minibus Insurance

Written on December 11, 2011 at 7:58 am, by editor

If you own a minibus or have a minibus business then it’s absolutely necessary and legally mandatory to buy insurance. You need an insurance policy to be able to drive any type of motor vehicle on the roads in the UK so having insurance will provide you with peace of mind. If you were unfortunate enough to be involved in a road traffic accident you wouldn’t have to worry about covering money losses as your insurer will do this for you.

First steps

Before selecting minibus insurance with an online professional broker, there are a few things to bear in mind. Is your minibus for private use or does it belong to a minibus company? There are different polices for both, one will cover your own minibus while the other is for multiple vehicle cover commonly known as fleet minibus insurance. Insurance for private use can be found easily online and should provide essential cover should an accident occur as well giving protection for fire, theft or explosions. For multi-fleet insurance choose comprehensive cover, it may be a little more expensive than standard policies but well worth the money.

Who is covered?

Whatever you use your minibus for you can buy insurance for it. There are many reasons why companies and organisations provide minibus services, for example:-

Private or public hire
Charities
Contract work
Church group trips
Schools and universities
Nursing and care homes
Leisure
Voluntary organisations
Commercial use

It’s reassuring to know that brokers will be able to offer you tailor-made minibus insurance. If you have a budget in mind they can work around the figure you’ve quoted to find a policy that’s suitably priced and contains everything you need.

Discounts

Brokers provide a quick search solution online for minibus insurance as well as coming up with appealing discounts for:-

Low mileage
No claims bonuses
Low premiums for added security devices

Insurance agents also provide their clients with plenty of information when choosing insurance for their vehicles. They realise that passenger transport insurance is extremely competitive so endeavour to search the market to get the best prices. Brokers have a regular customer base with clients renewing their insurance policies year after year, why don’t you check out some of their testimonials online, they’re all very positive, helpful and full of advice.

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Learn All About Skid Pan Training

Written on November 30, 2011 at 10:54 am, by editor

It’s an unfortunate fact that more than 90% of road traffic accidents are caused by driver error, many drivers being unable to control skidding. Research has shown that the vast majority of drivers in the UK don’t have the necessary skills to control a skid to avoid an accident. Skid pan training can help prevent such accidents and provide a sense of control and confidence for the driver when he or she is faced with dangerous driving conditions such as snowy, icy and wet roads.

Enjoy Skid Pan Training Experience

Skid control experience offers a fantastic way to learn and enjoy the safety of the road, it can also help save your life as the majority of drivers simply don’t know how to handle a vehicle properly during a skid. Experienced, qualified driving trainers will accompany you throughout the course which can last between one and a half to two hours, courses cover the areas of skidding, whether understeer, oversteer and four wheel drifting using a commonsense approach and easy to understand instructions. Skid pan training is carried out on large tarmac areas, trainers set the car and track up to make you feel that you’re actually driving on wet, snowy or icy roads as well as imitating front and rear wheel skids. These skids can be experienced from as little as five miles per hour for drivers with limited knowledge while experienced drivers can learn at their own pace with advanced exercises for instance downhill on ice and aquaplaning.

Prices

Prices for skid pan training can start from as little as eighty five pounds, if you’re looking for a gift for a loved one this would make the ideal day out, vouchers can be purchased online and will be sent to you in good time for the event. If you wish to accompany someone during the day but not actually drive, spectators are more than welcome, onsite there is a fully serviced café and many other eateries to sit back in, relax and enjoy the fun. Nearby there is also a wide range of local hotels to suit most budgets, accommodation can be arranged with the help of event organisers, so why not send an e-mail or make a telephone call to make a reservation.

Driving Skills

Brush up on your driving skills with a skid pan training course, it’s well worth it.

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Don’t Cut Back On Boiler Cover

Written on November 13, 2011 at 1:23 pm, by The Editor

Many people are having to take a look at cutting back on their spending due to the current world economic environment, however insurance cover shouldn’t be compromised on, particularly for boilers. Central heating faults can be extremely costly to repair and a trustworthy engineer can be very difficult to find, so the idea of not insuring your boiler doesn’t make monetary sense. A boiler with a gas leak can be fatal causing huge amounts of damage to your home and in many cases can lead to fatalities, leaking carbon monoxide and natural gas is also an unseen danger. Boiler cover can provide the services needed to avoid these pitfalls.

Cheap Boiler Cover Insurance

Professional insurance brokers can provide you with cheap boiler cover insurance to get you up and running if it breaks down. This type of cover is certainly affordable and can be paid annually or monthly, suitable for home owners or landlords providing them with peace of mind that in the event of a boiler breakdown it’s not going to cost the earth to have it put right. Domestic emergencies that aren’t covered within your standard insurance home policy may include plumbing, electrical failure, property security as well as boiler malfunction. It’s recommended that you buy boiler breakdown cover online from brokers who have a reputation in providing quality insurance packages along with a first class service.

Boiler Cover Policy Details

Why not speak to an online broker by e-mail or telephone to discuss home emergency insurance policies, you may be surprised to find how little they will cost but how much is covered. Online brokers work hard to find the best boiler insurance for their clients by getting in touch with well-known insurance companies throughout the UK. This results in their customers having low monthly payments usually with no excess, boiler cover isn’t that expensive matched against many other types of insurances especially when you consider what’s included.

Emergency boiler repairs
Boiler pump repairs
Gas boiler leak repairs
Gas boiler electrical fault repairs
Yearly service
No claims period
24 hour helpline

Why Choose Insurance Brokers?

Brokers can find huge savings with major insurers for boilers as well as offering their clients the services of warm, friendly and experienced staff. Instant boiler cover is available live online at a price to suit most pockets, get your boiler protected today.

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Caravan Insurance – Is it Worth Self Insuring?

Written on November 11, 2011 at 10:29 am, by The Editor

When looking for a caravan quote the first point of call should be through an insurance broker. Submit your details by completing an online form with personal information about yourself as well as details concerning your caravan. It will only take a few minutes to receive a reply concerning a price, cover summary, documentation, payment methods and customer confirmation. Caravan insurance is worth its weight in gold if you have an accident, the unit is stolen or damaged by vandals for instance. Claims will be handled with the due care and consideration you would expect from a reputable company online that values its clients.

Caravan Insurance Categories

New for old – this gives you cover for a like-for-like replacement caravan up to the value of the sum insured you have purchased. This is a good option if your particular model is new or nearly new.
Market value – your insurance will cover the cost of an equivalent caravan taking into account its age and its condition. This is also a good option for older models.
Guaranteed value – if you’ve bought your caravan from an approved dealer and it’s under seven years old an amount of insurance can be agreed. This is what the insurer will pay should it be stolen or written off, a good option if you wish to ensure you receive the same amount of money you initially paid for your caravan.

Caravan Insurance No-Claims Discount And Protection

For careful caravan owners who haven’t claimed on their caravan insurance, big discounts are available, however this could be lost if you have to make a claim. This section of the insurance policy is worth discussing in detail with a professional broker so you are left in no doubt about whether your policy has the no-claims discount and protection option.

Making A Caravan Insurance Claim

Making a claim is the one time you’ll truly know if your insurer lives up to expectations. Before buying an online insurance policy for your caravan, why not speak to friends and neighbours, it’s also advisable to check out customer testimonials to see what type of service can be expected. It’s worth remembering that most customers are introduced to online brokers through recommendations, so they must be doing something right to have such a wide client base. If you don’t qualify for a caravan insurance online quote, just speak to a proficient adviser as soon as possible.

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