Articles
June 11, 2025 Your responsibilities as an HMO landlord (England and Wales)If you’re the landlord of an HMO (House in Multiple Occupation), some extra obligations and responsibilities come with that particular role. Failing to stick to those responsibilities – or not getting the correct type of property insurance – could land you in deep water. So, let’s briefly review what they are. What is an HMO? […] READ MORE |
Unoccupied property insurance FAQsWhether you are the homeowner or landlord, there are likely times when your property stands temporarily empty and unoccupied for longer than a month or so. That is when you may typically need separate, standalone unoccupied property insurance to maintain the protection that the vacant dwelling and its contents require. Here we share some of […] READ MORE |
May 7, 2025 Cyber insurance in the UK: Do you really know what it covers?According to the National Crime Agency (NCA), one of the most serious and organised crime threats to the UK is cybercrime. It leads to considerable losses of data, finance, and continuation of service – to the extent that businesses go bankrupt, public services become inaccessible and valuable customer data is compromised. With threats on such […] READ MORE |
Having some building work done? Inform your home insurance providerIt’s vital that you inform your home insurance provider before any building work commences and that you update the buildings sum insured once the job is complete. Here’s why … What is the ‘sum insured’ and why does it matter? Probably the most important feature of your home insurance is the total ‘sum insured’. That […] READ MORE |
April 9, 2025 Has your business got Directors and Officers insurance?It can be a risky business taking on the role of a director or an officer of a company in the UK. Any decision you take – or fail to take – may be challenged by shareholders, investors, employees, regulators or third parties. The consequences can be financially crippling, so Directors and Officers insurance (commonly […] READ MORE |
The importance of reviewing home buildings insuranceIf there’s one thing we can be sure of, it’s that the many items around us can change. That even goes for the home we live in – we can change address, we can extend or refurbish, we add or take away from its contents, and the home insurance we need can alter quite significantly […] READ MORE |
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February 26, 2025 The latest landlord legislation – what you need to knowSome landlords are in the business full-time, making it their livelihood, others may have fallen into the role thanks to an inherited property. But whether you are the former “professional” or latter “accidental” landlord, you both have a common interest in knowing what legislation affects the business of letting a residence for profit. So, let’s […] READ MORE |
It’s time to review your UK classic car insuranceWith Easter just around the corner, the prospect of sunnier weather, and days getting longer, it’s that time of year to get your classic car out of its winter mothballs and take to the roads once again. Before setting out, of course, you’ll need to make sure that your classic car insurance not only remains […] READ MORE |
February 5, 2025 Is your commercial premises insurance cover still correct?In recent years, significant changes have been seen in the number of shops along the typical British high street. In response to those changes, now might be the time to review whether your commercial insurance cover is just as you need it. Have you made any alterations to the premises? Are there any renovations or […] READ MORE |
What is motor breakdown insurance?Motor breakdown insurance does just what it says. It’ll make sure you’re not left stranded – but get you going again – in the event of a sudden mechanical or electrical failure. In that way, it can save you time, money, and stress if your vehicle fails. How much does motor breakdown insurance cost? As with […] READ MORE |