Uk insurance
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Business equipment up to £5,000
Our home insurance covers your business equipment up to £5,000 including business stock up to £500.
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Students' belongings covered
Get full contents cover of £60,000 with our home insurance, except for theft or attempted theft from a room in a school boarding house, college or university halls of residence, where cover is limited to £2,500.
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Valuable item limit of £12,000
Our home insurance has a maximum limit of £12,000 for any one valuable item.
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Contents in the garden and garden plants up to £1,000
With our home insurance loss or damage to your contents in the garden is covered up to £1,000, and plants are covered up to £500.
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24/7 domestic helpline
Gives you practical advice and access to a list of approved tradespersons to carry out home emergency repairs.
Landlords Insurance
There are many different types of landlord including those with commercial or flat- based tenants, those that are renting out their own homes and those that are buying and renovating with the intention of letting. One thing all these types of landlord have very much in common is that they may be at serious financial risk unless they have an appropriate form of Landlords Insurance policy in place.
It’s not unknown for tenants to damage, sometimes seriously, the property they’ve been renting and if the rental included some of the landlord’s fixtures, furniture and fittings then there is the added risk of theft. There are some buy to let policies available that will cover malicious damage by a tenant
Also, whether the premises are commercial or residential, the landlord may have a legal liability for any accidents resulting in injury to third parties that are on the premises including the tenant’s visitors.
This list is by no means exhaustive and the costs involved in some of the above incidents can be very high. Few landlords would welcome the thought of having to pay for them out of their own pocket and understandably look towards insurance to help.
Getting the right landlords insurance cover
At this point, landlords or potential landlords would be well advised to resist the urge to use their existing residential homeowner type insurance policies covering buildings and contents. That’s because normal policies of this type will not cover letting and rental related risks. If there is an incident/claim and the fact that this is a renting situation becomes known, in all probability the claim will not be accepted. In fact, if the insurance company discover that false declarations are being made relating to property usage then they could cancel the policy and record this information meaning that the landlord may have serious difficulties in obtaining any form of future cover.
The good news is that there are insurance brokers that specialise in Landlords Insurance. A specialist may be required because a landlord’s requirements will vary considerably depending upon their situation. They may need to be professionally assessed to ensure that the right policy is found. As an example, it may not always be easy to see when a rental is commercial (e.g. a shop), residential (a house let) or a mixture of both (a shop with accommodation).
It may be possible to obtain Landlords Insurance cover for rental loss, damage to the contents and buildings and theft. It may also be possible to take out a different form of policy that covers a property currently under renovation for future letting. Larger commercial properties may have different requirements again, perhaps with greater emphasis on third party injury type insurance.
For landlords looking for Landlords Insurance, there probably is no substitute for contacting a specialist provider that knows the market in-depth. This could save a lot of grief down the line!
UK INSURANCE DIRECTORY
UK GUIDE
The UK Insurance Directory is a guide to hundreds of the fastest, cheapest and specialist insurance websites in the UK, offering secure online quote and buy facilities or quotes by email. We have categorized each online insurance provider by type of products sold, to enable you to find the right insurance quicker.
Within the UK Insurance Directory you'll find recommended websites for practically every type of insurance available!
CHEAPER PREMIUMS
Whether you are looking to purchase Commercial Business or Personal insurance products, the Internet has become the marketplace for thousands of insurance products with large savings to be made by shopping around and comparing premiums. The premium savings offered by online companies are due to much lower operating costs and the competition created by your ability and choice to obtain quotes from hundreds of UK providers, straight from your office or home.
