Latest From The Blog

30 11, 2023

Adapting to Change: Climate-Resilient Property Maintenance Strategies in the UK


Adapting to Change: Climate-Resilient Property Maintenance Strategies in the UKThe UK government has unveiled its third National Adaptation Programme (NAP3), outlining a strategic five-year plan to boost resilience and protect people, homes, and businesses against the risks of climate change. With a commitment to embedding climate resilience, extending support to vulnerable communities globally, and ensuring a healthy natural environment, the government is taking proactive measures to address the challenges posed by a changing climate.To effectively combat climate risks, the government is investing billions in flood and coastal schemes and nature-based solutions. This comprehensive plan encompasses various sectors, including infrastructure, health and wellbeing, nature conservation, cultural heritage, and more. In light of these efforts, climate resilience in property maintenance strategies has become increasingly crucial. This guide is very helpful for all property owners. For those with more than one property, you may wish to check out the insurance offerings for block insurance [...]

Adapting to Change: Climate-Resilient Property Maintenance Strategies in the UK2023-11-30T12:35:09+00:00
6 09, 2023

Top Commercial Property Insurance Pitfalls


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


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


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


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


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


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


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


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


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


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


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


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


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


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 pitfalls2023-09-04T08:27:29+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
11 05, 2022

The UK’s monetary regulatory authority has actually cautioned that “su…


The UK's monetary regulatory authority has actually cautioned that "substantial" intercession could be needed to deal with the skyrocketing price of insurance coverage for renters in skyscrapers following the Grenfell Tower disaster. The structure security dilemma in the of the 2017 fire in a London block that left for dead 72 individuals has actually caused insurance firms drawing back from multi-occupancy structures, or billing a lot greater costs to cover prospective payments. In a letter sent out on Tuesday to Michael Gove, Secretary of State for Levelling Up, Housing and Communities and Minister for Intergovernmental Relations since 2021, the Financial Conduct Authority's executive supervisor, Sheldon Mills, claimed cost rises can be an outcome of insurance providers "shying away" due to the expenses of making structures secure. Proprietors normally take out the plan, which can cover several structures, commonly with the solutions of a broker.

The UK’s monetary regulatory authority has actually cautioned that “su…2022-07-11T12:15:03+00:00
17 02, 2022

What Factors Influence the Cost of Commercial Property Insurance?


 What Factors Influence the Cost of Commercial Property Insurance?  Commercial property insurance protects landlords who rent out their property for commercial purposes. This type of insurance policy is required due to the wide range of costly incidents that can occur when you allow another party to occupy the commercial property, such as a steel structure or barn. This coverage is also known as commercial landlords' insurance. To obtain this type of insurance, the lessor must enter into a formal rental agreement with its tenant, naming itself as the lessor and the occupying organization as the tenant. For around 300 years, insurance underwriters have used four factors to determine what your premiums for commercial property insurance are, and we'll go over these four factors, which you can remember in a simple acronym called cope C-O-P-E, which stands for CONSTRUCTION, OCCUPANCY, PROTECTION, and EXPOSURE. Get a Quote [...]

What Factors Influence the Cost of Commercial Property Insurance?2022-04-26T13:26:09+00:00
30 11, 2021

8 simple property insurance mistakes you don’t want to make


8 simple property insurance mistakes you don't want to make Homeowners who make errors when purchasing an insurance policy may have their claims denied, even if the errors are not their fault. Even mistakes made when purchasing a home insurance policy through price comparison websites are accounted for, even if they are not the customers' fault. The problem is that an insurer believes they were not informed of a "material fact" about a property. What constitutes a significant factor varies by insurer, but it is basically anything that would cause them to refuse to insure you. Here are a few examples that occur frequently: 1. The property's age If an insurer discovers that an edifice is more recent than it appears, the initial offer will be lowered because the house is regarded as less risky. If a claim is made, the insurer has the right to deny it if [...]

8 simple property insurance mistakes you don’t want to make2021-11-30T10:24:54+00:00
4 11, 2021

Insure Our Future campaign’s report


Insure Our Future campaign’s report The Insure Our Future campaign has published its 2021 strategic plan on insurance, climate change, and fossil fuels; this is the organization's fifth annual report on insurers' climate policies. "Insurance Business" describes the results obtained by 30 insurance companies in the most recent rankings in this section. The German group Allianz is leading the pack in terms of phasing out fossil fuel insurance; the French companies SCOR and AXA in terms of divestment in fossil fuels; and Aviva, headquartered in the UK, emerges as the leader compared to other climate leaders. Get a Quote Insurance under one roof We are specialists in many types of insurance The following companies are doing well, according to Insure Our Future, a study on the role [...]

Insure Our Future campaign’s report2022-04-26T13:29:57+00:00
28 10, 2021

Here’s what you need to understand and insurers and risk management


Insurers have a very black and white view of risk. They ask, "Is the property occupied?" This means whether or not there is someone in there and whether or not there are daily activities there. As a result, most of the time, insurers use their experience to ask clients, "Is the property occupied?" The builders are there every day, so the property is occupied, prompting questions such as "No, are you there?" "Is anyone trading here?" and "Is the property rented?" And you get a lot of responses because they know that if a property is empty, the risk increases and their premium rises. So insurers are very black or white, it's either empty or it's not. Are you trading or not? If you're not, you're going to have to pay an extra premium for a simple level of cover. Or if they're there, and they're trading in some [...]

Here’s what you need to understand and insurers and risk management2021-10-28T12:01:44+00:00
13 10, 2021

How your tenants habits can affect your landlord’s insurance


How your tenants habits can affect your landlord's insurance We all have personal habits. Some are more desirable than others and some are considered not only to be unhealthy but they may also affect your landlord's insurance policy. Take two minutes to find out how! Is the professional tenant's habit, such as smoking or drinking alcohol, a risk factor for the premises? Not surprisingly, smoking causes a large portion of the fire risk. Lying on the sofa with a cigarette in one hand and not putting it out, can result in a house fire. And those are at the top of the list because they are fairly common. So what a lot of insurance companies are doing is putting a little clause in the insurance policy saying that you must not smoke in your rental agreement, which is becoming more and more common. If a claim is made it [...]

How your tenants habits can affect your landlord’s insurance2022-04-26T13:55:44+00:00
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