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RobF

About Robert Fisher

Robert Fisher is a company director of the Property Insurance Centre, who specialise in Business and Property Insurance, serving clients throughout the United Kingdom. His expertise and career in insurance spans almost twenty years. Robert’s background is in Building Surveying, which he studied at Heriot-Watt University, where he was awarded a BSc (Hons) degree. Much of his educational background is in Building Structural Safety from an engineering perspective. The knowledge that Robert gained at undergraduate level has lent itself well, particularly as it has enabled him to evaluate the risks associated with certain buildings. This means he knows how best to place these risks and ultimately insure the properties against such risks. His in-depth knowledge of various methods of construction have enabled him to easily identify which insurer's underwriting criteria would best fit each client's needs and provide the correct levels of cover. Additionally, Robert is responsible for training the team and ensuring that they are always kept up to date with the latest industry developments. This is an area that he is naturally drawn to because of his inquisitive mind, diligence and passion for passing on knowledge to others. He is a member of the Chartered Insurance Institute (CII) and Qualified to Level 3 with the CII. As part of the Level 3 certification, Robert has undertaken modules in Insurance, Legal & Regulatory (IF1), Insurance Claims Handling (IF4) and Insurance Household Products (IF6). As a condition of CII Membership, Robert continues his Professional Development by keeping abreast with the latest industry developments.
6 09, 2023

Top Commercial Property Insurance Pitfalls

2023-09-06T14:03:33+00:00

Welcome to our guide to commercial property insurance pitfalls. As a business owner, protecting your property is crucial. However, navigating the ins and outs of insurance can be tricky, especially when it comes to commercial properties. In this section, we will discuss the top pitfalls to watch out for when it comes to commercial property insurance. By being aware of these common mistakes, you can ensure that your business is adequately protected. Commercial property insurance can be complex and confusing, but with the right information and guidance, you can avoid costly mistakes. Let's dive into the top commercial property insurance pitfalls and how to avoid them. Key Takeaways: Commercial property insurance can be complex and confusing. Knowing the top pitfalls to watch out for can help you avoid costly mistakes. Proactive steps can help you mitigate risks and protect your business. Get a Quote [...]

Top Commercial Property Insurance Pitfalls2023-09-06T14:03:33+00:00
8 08, 2023

Top Block of Flats Insurance Pitfalls

2023-09-06T13:36:24+00:00

Top Block of Flats Insurance Pitfalls Welcome to our guide on block of flats insurance pitfalls. As a property owner, you want to ensure that your investment is adequately protected, but there are common insurance pitfalls that you need to be aware of. In this section, we will discuss the most common pitfalls that property owners face when it comes to block of flats insurance. By being aware of these potential issues, you can avoid costly mistakes and take steps to protect your investment. Key Takeaways: Block of flats insurance has common pitfalls that can be costly if not properly addressed. Being aware of potential insurance pitfalls is the first step in protecting your investment. Understanding Block of Flats Insurance If you own a block of flats, it is essential to have a clear understanding of block of flats insurance. This type of insurance provides coverage for properties that [...]

Top Block of Flats Insurance Pitfalls2023-09-06T13:36:24+00:00
12 07, 2023

How Climate Change May Affect Your Property Insurance In the UK

2023-07-14T10:16:45+00:00

How Climate Change May Affect Your Property Insurance In the UK Climate change is an issue that affects us all, and its impact can be seen in various ways. One of the ways it can impact us is through our property insurance. With extreme weather events becoming increasingly common, insurers are facing new challenges in assessing and mitigating risks associated with climate change. As a property owner, it's important to understand how these changes can affect your coverage and rates. In this article, we will delve into how climate change can impact your property insurance in the UK. We will explore the potential changes in coverage and rates, as well as the steps you can take to mitigate these risks. We will also address common questions and concerns regarding climate change and property insurance. Get a Quote Insurance under one roof [...]

How Climate Change May Affect Your Property Insurance In the UK2023-07-14T10:16:45+00:00
13 06, 2023

Get Your UK Building Insurance Quote Now and Protect Your Property

2023-06-14T10:51:09+00:00

Do you need Building Insurance in the UK? Having appropriate building insurance in the UK is super important. Having a safe roof over your head provides a sense of security and comfort, especially during these uncertain times. But, do you know if the property you live in or are about to buy is properly protected? It’s important to have the right building insurance to protect your property against any damage and other risks that might arise. In the UK, building insurance is required for all landlords and homeowners so that they can protect their valuable properties. Building insurance may also provide financial protection against wider threats such as subsidence, fires, or flooding. With the right building insurance, you can be sure that your property and its contents are covered in case of any unexpected events that may cause serious damage. At the same time, it’s essential to choose the [...]

Get Your UK Building Insurance Quote Now and Protect Your Property2023-06-14T10:51:09+00:00
24 05, 2023

6 Landlord Insurance Tips to Keep Your Assets Protected

2023-05-24T17:45:51+00:00

6 Landlord Insurance Tips to Keep Your Assets Protected Check out these six super useful tips and further below you can delve into each in more detail. 1. Have Named Property Damage and Liability Coverage: Make sure your landlord insurance covers your property damage, including fire, smoke, water, theft, vandalism, weather and natural disasters, as well as liability for accidents and injuries that may occur on the premises. 2. Get Enough Coverage: Insurance doesn't have to cover the value of your entire rental property, but it should cover the financial losses in the event of an accident or incident. Make sure you get enough coverage for the cost of repairs, replacements, and other costs associated with the rental property. 3. Consider Additional Coverage: Don't forget to consider additional coverage such as flooding, earthquake, and other forms of natural disaster protection. 4. Keep Up with Maintenance: Regular maintenance such as [...]

6 Landlord Insurance Tips to Keep Your Assets Protected2023-05-24T17:45:51+00:00
24 04, 2023

Block insurance essentials

2023-04-24T13:44:14+00:00

Block Insurance Essentials Owning a block of flats means you are responsible for insuring your building and flats. This article explains the essentials of what you need to know. Firstly, you’ll need to look at building insurance This covers the cost of repairs for the structure, such as any external walls, windows, and roofs, as well as permanent fixtures like doors, fixtures, gates, and paths. This covers theft, storm, and fire as well. Communal areas and block insurance Be aware also that if the block of flats includes communal areas, which most do, you may also need to obtain extra coverage for shared amenities such as laundry rooms and other areas. Get a Quote Insurance under one roof We are specialists in many types of insurance Block [...]

Block insurance essentials2023-04-24T13:44:14+00:00
14 03, 2023

Landlord Insurance-Addressing A Water Leak From An Adjacent Property

2023-03-14T13:14:56+00:00

Landlord Insurance-Addressing A Water Leak From An Adjacent Property From a tenant's perspective, when living in a flat, water damage caused by neighbouring units can be an issue. As a landlord, you may suggest working out the problem with the other tenant, but there may be times when you bear some responsibility. It is really important that you are aware of these occasions. This article provides basic information on the circumstances in which landlords are liable for water damage repair. However, these situations can be complicated and professional help can be needed. We wrote it from your tenants' perspective for you to understand the potential outcomes of these situations. Get a Quote Insurance under one roof We are specialists in many types of insurance Landlord's Responsibilities in [...]

Landlord Insurance-Addressing A Water Leak From An Adjacent Property2023-03-14T13:14:56+00:00
9 02, 2023

Unoccupied Office Insurance

2023-02-09T17:18:31+00:00

Unoccupied office Insurance If you are a property owner of an office. You will want to make sure you have the right policy in place that will cater for your particular requirements. If  that office becomes empty, whether it be short term or on a longer term basis, your requirements will almost certainly change. It is also important that you inform your insurer that the property is empty, as there are some important conditions that you will need to comply with to ensure your policy remains valid. Here are some important considerations to take into account. How long has the office been empty for? If it’s a short term unoccupancy and you have new tenants lined up, insurers will almost certainly want to keep you on cover. However, if it goes more long term the insurers can at worst pull cover entirely leaving you to search the market for [...]

Unoccupied Office Insurance2023-02-09T17:18:31+00:00
24 01, 2023

How to Prepare for Flash Floods and Thunderstorms

2023-01-26T15:16:28+00:00

How to Prepare for Flash Floods and Thunderstorms The Met Office has recently issued a warning for severe flash flooding and thunderstorms in the coming days. These weather events can be extremely dangerous and destructive, not only because of the force of the water but also because of the debris that the current frequently carries away. Unfortunately, these types of weather events are no longer rare and can cause significant damage to homes and businesses. With the current heatwave, the problem is exacerbated because dry soil compacts, making it difficult for rainfall to infiltrate the ground and instead causing flash flooding. Get a Quote Insurance under one roof We are specialists in many types of insurance How can I protect my property during a flood? If your [...]

How to Prepare for Flash Floods and Thunderstorms2023-01-26T15:16:28+00:00
23 01, 2023

Subsidence and property insurance

2023-01-23T10:30:55+00:00

Subsidence and property insurance Subsidence can be a serious problem for homeowners and presents itself as a gradual sinking or movement of the subsurface at an integral point to the structure of the building. As subsidence prevalence is often unpredictable ahead of time, all property owners must take out subsidence coverage with their existing insurance policies – otherwise, they risk not being able to claim these subsidence damages. Building insurance will typically provide subsidence coverage due to how much damage subsidence can cause and how expensive those repairs are. From loosening foundations, and cracks in the plasterwork, to more extensive structural problems, subsidence can affect both older properties as well as newer builds alike. Being aware of subsidence from day one with appropriate insurance coverage has never been more important – and this small but valuable step could save you thousands in costly repairs down the line. So make [...]

Subsidence and property insurance2023-01-23T10:30:55+00:00
2 12, 2022

Storm Insurance

2023-05-31T10:56:42+00:00

Storm Insurance? With the onset of Storms and their given names making the headlines on the Weather News, now, in storm season, it’s a good idea to know what you are covered for in the event of a claim. So what does Storm Insurance actually cover on a standard insurance policy, and what should you look out for on your insurance policy wording?  So what is a Storm? A storm can be defined as a period of violent weather defined as: Wind speeds with gusts of at least 48 hours or Torrential rainfall at a rate of at least 25mm per hour; snow to a depth of at least one foot in 24 hours or; hail of such intensity that it causes damage to hard surfaces or breaks glass. What are you insured for under a Standard Property Owners Policy? Every insurance policy has subtle and not so subtle [...]

Storm Insurance2023-05-31T10:56:42+00:00
14 10, 2022

Apartment Block Insurance Essential Facts

2023-04-24T09:44:59+00:00

Apartment Block Insurance Essential Facts  It is always important to have some form of property insurance, even if you live in an apartment. Apartment block insurance will usually cover the individual flats within a building, as well as the common areas. This type of insurance is important because it can protect you from having to pay for repairs for the flats or common areas in the event of damage. Of course, you may be concerned about flats insurance cost and if the cover is really worth it! Buildings insurance will typically cover the entire structure of the building, including the flats. This is important because it can help to protect your investment if the entire building needs to be repaired or rebuilt. Firstly, let's distinguish between some of the common aspects of this type of property insurance. Landlord insurance is another type of insurance that you may want to [...]

Apartment Block Insurance Essential Facts2023-04-24T09:44:59+00:00
1 09, 2022

Make a Claim

2022-10-14T13:11:14+00:00

Property Insurance Centre has partnered with Concept Claims Solutions, for all Buildings related claims. This is a service we provide to all of our customers. You can now contact Concept directly, 24 hours a day, every day. Make a Claim - CALL 01772 799 794 ABOUT CONCEPT Concept is proud to offer over two decades of expertise in insurance claims management, building related repairs, home improvement and maintenance solutions. A relentless commitment to customer experience permeates every level of our organisation. We love what we do, and we show it. For total peace of mind, we only use approved contractors that are skilled and take great pride in their work. Concept is part of the Insurance Solutions Group which comprises of 7 companies and approximately 120 employees. We have teams of surveyors, builders, plasters, plumbers, electricians and highly qualified technical staff. This allows your Concept local manager to oversee the project [...]

Make a Claim2022-10-14T13:11:14+00:00
28 07, 2022

Residential landlord insurance pitfalls

2022-07-28T14:11:41+00:00

Residential Landlord Insurance Common Pitfalls The common pitfall for residential landlords insurance would be changing your tenants. I think this is a major pitfall for landlords using residential landlord insurance. Statistics show that professional tenants have fewer claims than maybe the likes of DSS tenants. A common pitfall would be if you're midterm on a policy, and you change the tenant, your insurer has given you a premium calculator for a professional tenant, and then all of a sudden, you change your tenant type to a DSS tenant. There's no issue with that, it's just that some insurers do not accept DSS tenants. What you should do is always check with your insurer, always ring up your broker first say, "Look, I'm getting a new tenant type. Do you agree with this type of tenant or is this allowed with this particular insurer?" And at that stage, they can [...]

Residential landlord insurance pitfalls2022-07-28T14:11:41+00:00
11 07, 2022

Unoccupied residential property insurance common pitfalls

2023-09-04T08:27:29+00:00

Unoccupied residential property insurance common pitfalls Common pitfalls with unoccupied residential property insurance would be normally around a customer not fulfilling the stated conditions. So from a customer perspective, they are most likely unaware that they are not fulfilling the terms of their unoccupied residential property insurance policy conditions. So, whenever you have an occupied property and unoccupied property, insurance will apply certain conditions on it. You must seal the letterbox You must drain down the water tanks Turn off electricity And most importantly, you must keep a log of every time you visit the property, and you must do so normally every 14 days, maybe 21 days at the most. Get a Quote Insurance under one roof We are specialists in many types of insurance The [...]

Unoccupied residential property insurance common pitfalls2023-09-04T08:27:29+00:00
28 06, 2022

Commercial property insurance-a costly common pitfall

2022-07-11T10:12:38+00:00

Commercial property insurance-a costly common pitfall The pitfall around commercial property insurance is one that a lot of commercial property owners misunderstand. This common pitfall is really all about understanding the language around what insurance companies use when they list the perils on a policy. When we say perils, I mean, what you're covered for. When you get an insurance policy, you'll go to your list of perils covered and it will give you a long list of what's actually on there. Things like accidental damage, storm, flood- we all know what that is. Get a Quote Insurance under one roof We are specialists in many types of insurance Commercial property insurance - loss of rent is quite an ambiguous term A common one would be loss [...]

Commercial property insurance-a costly common pitfall2022-07-11T10:12:38+00:00
16 06, 2022

Block of flats insurance pitfalls

2022-07-25T11:45:08+00:00

Block of flats insurance pitfalls Block of flats insurance pitfalls hot topic = underinsurance First thing- a very large and important topic at the moment is underinsurance. As you know, last year has resulted in the costs of building materials rising due to, obviously, supply and demand issues and currently, obviously, there's a war going on with Ukraine and Russia. All these things combined creates a perfect storm with regards to building costs and supply issues, etc. That's resulted- especially since the pandemic it's resulted in costs going up, possibly between 20 to 30%, for different types of building materials. As a result of this, what we've got in the UK at the moment and Northern Ireland. It's a lot of building materials, and buildings themselves, especially blocks of flats are now underinsured. Get a Quote Insurance under one roof We [...]

Block of flats insurance pitfalls2022-07-25T11:45:08+00:00
8 09, 2021

How do insurers manage uninsured properties post-lockdown?

2022-04-26T14:16:25+00:00

How to manage the increase in the number of insurance applicants after lockdown? Due to COVID-19, lockdown and the effects on the economy, many people are not sure of their own financial positions. Their job may have been under threat or they weren't sure of their financial future. There has been a lot of uncertainty. So we had found when we came out of the pandemic, we ourselves decided to come back into the office and the easing of the lockdown restrictions of the pandemic, we got a flood of business. One of the key questions in insurance is: "How long have you owned the property and how long has it been between your last policy? So basically, has it been uninsured?" And quite a lot, I would say 30 to 40% of the time, are a new business where our customers who had not insured over the previous [...]

How do insurers manage uninsured properties post-lockdown?2022-04-26T14:16:25+00:00
27 07, 2021

How insurance has been affected by the pandemic

2022-04-26T14:21:27+00:00

Here are some ways how insurance has been affected by the pandemic With the larger insurers- I must admit, the likes of Aviva, the Axis and Ageas, the biggest impact I've seen is really they're just scaling back the risk. So we get a lot of renewals, the large composite insurers, which are the Aviva's and Axis, and all that type. Ageas. They're scaling back their risk exposure. So they're not keen on offering renewals. Scaling back risks That's obviously due to the pandemic, a direct result of the pandemic in the sense that they've had large business interruption claims that they're possibly going to have to payout. So perhaps maybe, they have a risk, where- I'll just take a simple example. Maybe a property is right beside the sea. They see that now as a risk or more of an exposure than before quite simply because there's a [...]

How insurance has been affected by the pandemic2022-04-26T14:21:27+00:00
12 07, 2021

How Brexit might affect your Northern Ireland property insurance

2022-04-26T14:22:53+00:00

How Brexit might affect your Northern Ireland property insurance Brexit has certainly influenced some changes. Albeit at the moment, we're not really clear where we are, from an insurance perspective, because in the past, what we did do and what large insurers and reinsurers did was in the European - in the old EU, was simply trade freely so- we had a UK insurer could insure risk in Europe, and vice versa. And there were no real issues. But now, obviously, there are different regulations, or there will be different regulations. There has to be an agreement between the EU and the UK, as to how freely they can continue out those sorts of operations. So if you take a simple example, if you have an insurer in the past, who is insuring your risk in Europe, neither having the passport into what's essentially a third area, a third [...]

How Brexit might affect your Northern Ireland property insurance2022-04-26T14:22:53+00:00
26 04, 2021

Need to make a claim?

2022-04-26T14:26:55+00:00

Need to make a claim - Aspray could help? We recommend Aspray if you make a property damage insurance claim. Aspray could help you gain a fair settlement from your insurer and then reinstate your property back to its pre-loss condition using their vetted sub-contractors. Call 0800 077 6705 and quote ‘Property Insurance Centre’ #AsprayCouldHelp We recommend Aspray’s award-winning service, which features the use of their own vetted sub-contractors to help get your property reinstated, with as little fuss as possible. Call 0800 077 6705 and quote ‘Property Insurance Centre’ #Aspray #PropertyDamage #Property Have you heard of Aspray? We recommend you keep them in mind if you need to make a property damage insurance claim. They are Loss Assessors who work in your best interest at the point of claim, helping you to get the best settlement possible from your insurer. Call 0800 077 6705 and quote ‘Property Insurance [...]

Need to make a claim?2022-04-26T14:26:55+00:00
8 02, 2021

Buy let advice property managers UK

2021-08-11T12:13:26+00:00

15 Buy to Let Property Managers UK Tips 1- Changes to tax relief for mortgage interest Since April 2017, the tax breaks on mortgage interest have been gradually phased out by the government and the proportion authorized to be deducted is gradually decreasing each tax year. This will peak at the start of 2020-2021 and only a lump sum credit of 20% of mortgage expenses can be deducted from rental income when filing the tax return. These tax relief changes have caused differences of opinion and created controversy, and have long been one of the primary reasons landlords sell their buy-to-let. Discover the government information about tax relief here. 2- Prohibition of rental fees A ban on charging tenant fees was imposed on rental agents in England and Wales in 2019. Deposits capped at five weeks 'rent or six weeks' rent have been questioned in England due to changes [...]

Buy let advice property managers UK2021-08-11T12:13:26+00:00
25 01, 2021

Exhibitors insurance UK

2022-04-26T14:40:45+00:00

Exhibitors Insurance UK If you are about to or regularly attend exhibitions we offer insurance that protects visitors and staff at your stand. You can add up to £10 million of public liability cover to your policy giving you peace of mind should a third party decide to make a claim against you. This liability cover also covers your employees while they are working at your exhibition stand. Standard features include cover up to £10,000,000 for Public Liability. Employers Liability can also be included up to £10,000,000. Optional Extras include Equipment cover up to £10,000, Cancellation, abandonment & postponement cover. Perfect for trade shows, craft shows, car shows, stallholders and it is likely that the organiser will require you to have public liability insurance. You can choose what parts you want to insure against. Learn more about Shop and Business Insurance Get a Quote [...]

Exhibitors insurance UK2022-04-26T14:40:45+00:00
10 12, 2020

Buying a house

2022-04-26T14:42:25+00:00

Buy House Insurance when Contracts Exchange Buying and selling a house can be one of the most stressful things you can do! The experts say it's sup there with getting married and packing a young family off on a foreign holiday! There are so many things that you need to organize and quite simply not enough hours in the day, to get them done. An important consideration that we all really should put at the top of the list, is house insurance. Let's face it, you wake up one day and think, mmh, "buy house" but rarely we think of the house insurance. All of that running around, doing this & that, meeting with solicitors accounts for absolutely zero if your house goes up in smoke. This piece is designed to give some simple, straightforward clarification, that every home owner ought to know. If you don't know who should [...]

Buying a house2022-04-26T14:42:25+00:00
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Copyright © Property Insurance Centre 2013 - 2023 | All Rights Reserved | Authorised and regulated by the Financial Conduct Authority. Ref. No. 603924 | Townsend Insurance Services and Property Insurance Centre are trading names of Townsend (Newtownards) Ltd (NI 602426) | Company registered at 91-97 Ormeau Road, Belfast, BT7 1SH. CWA Europe

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