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.
28 07, 2022

Residential landlord insurance pitfalls


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


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 pitfalls2022-07-28T14:25:41+00:00
28 06, 2022

Commercial property insurance-a costly common pitfall


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


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?


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


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


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?


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


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


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


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
17 11, 2020

End of tenancy


End of Tenancy More than ever before the end of tenancy can have a significant impact on what lies ahead for landlords of commercial property or residential property owners. At this time the stakes have never been higher, with an increase in tenants on the residential letting side unable to pay their rent as a direct result of the pandemic & job losses. With landlords simply unable in many cases to evict them, the end of tenancy may come as a pleasant relief for some landlords – they may be able to re-let or at least advertise for a tenant that will keep the cash flow coming in their direction. However, most landlords will inevitably deal with some level of unoccupancy for at least a limited period of time, others may experience much longer periods of unoccupancy. This not only causes the obvious headache with a much reduced income, [...]

End of tenancy2022-04-26T14:46:30+00:00
9 11, 2020

What do I tell my insurance company?


Does your Block Building Insurance policy need updated? With current restrictions in place across much of the UK, Block buildings are no different to commercial properties, in the sense that occupancy levels may start to reduce with the onset of job losses, and tenants perhaps unable to pay the rent. There will of course be many reasons for block buildings such as flats becoming partly or completely empty, and it is crucial for whatever the reason, you inform your block building insurance provider of this change. This is critical to ensure you understand if there are any changes to the level of cover or if there are any extra conditions you must comply with due to levels of unoccupancy. Failure to tell your insurer can open you up to a whole host of problems. (Our own terms of business can be read here). Top Tip – Any change to [...]

What do I tell my insurance company?2022-04-26T14:48:56+00:00
4 11, 2020

Are blocks of flats a good investment?


Are Blocks of Flats a good investment? Are blocks of flats a good investment? It’s a fairly subjective question. Like most property, if you are in it for the long haul, then chances are your investment return will far exceed any short-term returns you might have had should you sell early. Blocks of flats (sometimes known as multi-unit freehold blocks) have much higher average yields than other property, getting finance for them is just as obtainable and Buildings Insurance for Blocks of Flats is also easy to purchase with greater level of discount available. Seems like a no brainer if you have the funds. Let’s have a look at yields, finance and buildings insurance for flats. First, what is a multi-unit freehold block? Multi-unit Freehold block This is defined as multiple, separate, independent residential units which are held under one single title. These would include: Blocks of flats which [...]

Are blocks of flats a good investment?2022-04-26T14:49:55+00:00
26 10, 2020

Who leaves it to their Blocks of Flats Insurance?


Who 'leaves' it to their Blocks of Flats Insurance? It’s that time of year again. The clocks have just gone back and you have had that extra hour in bed already...hopefully. The temperature has dropped a little and the leaves are falling from the trees and lay on the ground displaying that spectacular array of colours. It really is a beautiful time of year in many ways. In the world of insurance, it also represents a time when there inevitably are more claims made, due to ever-worsening weather. However, it’s just not the weather that can cause property owners to call their insurance company’s claims line. The change of season and falling leaves can also cause blockage of drains. Although your insurers should look to cover most drainage issues, who needs the hassle? Especially if it’s a large block of flats with numerous families housed therein. Prevention is better [...]

Who leaves it to their Blocks of Flats Insurance?2021-10-18T14:21:10+00:00
8 10, 2020

How do I insure a lift for breakdown?


Lift Insurance including Inspection & Breakdown If you are responsible for the insurance of flats in a block, you will no doubt know of the various responsibilities places upon you. If you live in a modern purpose built block of flats & are lucky enough not to have to take the stairs, as there is a nice new shiny elevator, then add an extra layer to those already stringent responsibilities. Outside of Health & Safety Requirements you are obliged to ensure that the lift is in perfect working order for the passengers. If you are not sure where to start, then a Lift Inspection and Engineering policy (otherwise known as lift insurance) is a very good place to start. If you haven’t already got one in place, it should be considered – when an elevator breaks down and there is no lift insurance policy in place, this can give [...]

How do I insure a lift for breakdown?2020-10-08T10:53:37+00:00
2 10, 2020

Do I need Freeholder Insurance?


Do I need Freeholder Insurance? Freeholder Insurance is similar to other buildings insurance policies with one or two subtle differences, so don’t let the terminology throw you. A freeholder is the ‘superior landlord’, and therefore these policies are not too dissimilar to a landlord policy one might have for a buy-to-let rental property for example. If you are looking for a freeholder policy, the chances are you are looking for a Block of Flats Insurance policy, where there are leaseholders or private tenants or even a combination of both. The Freeholder is simply the landlord and is often responsible for insuring the building unless there is a Right to Manage Company set up in its place to do the same. Freehold insurance will ensure the building is covered & it is up to individual tenants & leaseholders to insure their own contents. Freeholder can be defined as : Someone [...]

Do I need Freeholder Insurance?2020-11-25T16:52:46+00:00
25 09, 2020

Is getting Builder Insurance even worth it?


Is getting Builder Insurance even worth it? Life on a construction site has certainly changed in 2020. Or at least it should be where at all possible. Covid-19 led to a nationwide lockdown which of course had a huge knock on effect to the construction industry. Times are tough but this doesn't mean one should forget taking out a good builder insurance or trade insurance policy. Sites had not been forced to close this year, but contractors had to implement all sorts of new measures to protect their employees. Before we go in to some of those measures, this inevitably meant one thing as a starter, the whole build process would take a lot longer that it did before with the extra measures that were introduced. Sites have had to implement: Social Distancing – slowing down certain processes that would normally take half the time Provide extra PPE (delays [...]

Is getting Builder Insurance even worth it?2020-09-25T14:36:08+00:00
21 09, 2020

Be careful where you leave your Wheelie Bin


Careful where you leave your Wheelie Bin! Every household will have one – a wheelie bin. Every week we go through the motions of separating our food wastes, plastic recyclables and garden wastes from normal household waste. After our wheelie bins are jam packed and left on the street to be collected by a refuse collector, we hope that our bin won’t be missed or left because, “the lid couldn’t close.” If you have a wheelie bin, you will no doubt harboured these thoughts many times, but have you ever considered your occupiers liability? So the bins are out the night before (if you are organised) & or first thing in the morning, and you run out the door, coffee in hand to join the daily commute! Nothing to worry about, your bin is emptied, and you return home on a dark & wet winters evening & get straight [...]

Be careful where you leave your Wheelie Bin2022-04-26T14:55:43+00:00
14 09, 2020

Will it be twice as bad?


Will it be twice as bad? Experts have warned that the current crisis from the Pandemic could result in twice as many redundancies as there were in 2008 - 2009 as a result of the Global Financial Crisis! A survey carried out by the British Medical Association  (BMA), found that 80% of 500 GPs and hospital consultants  surveyed believed a second wave is "likely" or "very likely" to happen. That will mean a lot of people out of work and a lot of negative consequences as a result. When people are out are of work, inevitably all roads lead back to some sort of effect on the housing market. Tenants can no longer afford to make their rental payments,  home owners can fall short on their monthly mortgage payments and risk losing their homes. These two scenarios played out heavily during the 2008 financial crisis, and when this happens the [...]

Will it be twice as bad?2021-03-16T14:47:33+00:00
20 08, 2020

Good News for Home Buyers?


Stamp Duty Relief When purchasing a property you must pay Stamp Duty Land Tax (SDLT) if that property (or land) is over a certain price. The higher the price, then the SDLT increases incrementally. However, the government in a bid to kick start the housing market has changed the levels that stamp duty must be paid. Essentially, taking many people out of actually paying stamp duty at all until the purchase is over £500,000 in England & Northern Ireland. Scotland & Wales have changed their rules too.In Scotland, it has now been changed to up to £250,000 (known as Land and Buildings Transaction Tax). Wales have taken a slightly different approach and have increased the nil-rate band from £180,000 to £250,000 (known as Land Transaction Tax), but only for main residence purchases & not second homes – not very good news for buy to let investors in Wales!Any way you [...]

Good News for Home Buyers?2020-08-25T11:12:36+00:00
18 08, 2020

What should I be concerned about if there is a second lockdown?


Business Insurance Lockdown Concerns It seems very likely there will be second wave of coronavirus in the not too distant future. Whether or not that brings a second lockdown on the same scale as the one we saw in March remains to be seen. People will no doubt be concerned from a health perspective, but what about from a business perspective for business insurance in Northern Ireland? Being a business owner there will no doubt be even more uncertain times ahead. One thing that will be needing some clarity is the Business Interruption Insurance coverage some insurers have provided for on their policy wordings. You may or not be aware, the FCA is involved in a test case to see if there can be much needed clarity brought to coverage under a business insurance policy & more specifically, the Business Interruption insurance afforded under them. The main aim of [...]

What should I be concerned about if there is a second lockdown?2022-05-05T08:54:02+00:00
11 08, 2020

Do I needs Directors and Officers Cover?


Directors and Officers Insurance Directors and Officers Insurance, do I really need it? When the topic of Directors and Officers Insurance is raised, this is the most common question. Well, it depends. You may be a limited company and as director of that limited company, stick to procedure and do everything to the best of your abilities. But that doesn’t mean errors will not occur. Insurance has always been about peace of mind. When asking, “Do I need D&O Insurance?” It should be looked at in the context of the potential liability of loss you could face. This is why many Directors take out a Directors and Officers Insurance policy. One thing that truly answers that question for most Directors and Officers is that your personal assets could be at risk. A frightening thought, but it is a fact. Being a Director or Officer has the potential to be [...]

Do I needs Directors and Officers Cover?2022-05-05T08:58:17+00:00
31 07, 2020

Should I take out Legal Expenses Insurance?


Legal Expenses Insurance Being a landlord you should be automatically covered under a landlord policy for the standard risks such as Fire, Subsidence, theft, flood and so on. However, being a landlord you may well feel that you are exposed to other risks that you may not necessarily been exposed to before. This is why you should consider taking out legal expenses insurance. You may be able to take out a legal expenses policy as an extra on your current landlord’s policy or if that’s not available, you can take out a standalone legal expenses insurance policy. So, what does it cover you for? Being a landlord you are now exposed to events you had never been exposed to before. This may include the following: Breach of Tenancy Agreement This may provide cover for any breach by a tenant of any obligations they might have under the tenancy agreement [...]

Should I take out Legal Expenses Insurance?2022-05-05T09:01:07+00:00
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