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29 06, 2019

Insuring an unoccupied house

By |2022-05-16T08:35:46+00:00June 29th, 2019|insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Insuring an unoccupied house

Insuring an unoccupied house Unoccupied House Insurance is different! Some people think that no insurance is required for an unoccupied house that they may rent out or they take out home insurance cover and don’t consider whether there home is actually regarded as occupied or not. Well it should be considered that unoccupied properties are regarded as 'high risk' by insurers. That is why they tend to charge higher premiums to keep them covered. It is also why they may add in extra conditions to keep the property covered. By adding extra conditions, what the insurance companies are trying to do, is reduce that extra risk. It is therefore essential that you have the right cover in place. Top Tip - If you have a policy in place already, tell your insurers or insurance broker that the property is now empty and your existing policy should be able to [...]

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29 06, 2019

Insurance for tradesmen

By |2022-05-16T08:38:29+00:00June 29th, 2019|insurance, Tradesman Insurance, Uncategorized|Comments Off on Insurance for tradesmen

Insurance for tradesmen Whether you are an independent construction contractor or a self-employed gardener, Property Insurance Centre’s range of insurance for tradesmen is designed to suit your needs. Our specialist team will take your details and find you the best policy using our network with the top insurance providers from across the UK. If you are new to this type of insurance, here is a quick guide to insurance for tradesmen and what it is designed to cover. What is insurance for tradesmen? It is insurance which is designed for skilled people who provide a service to others (often at their client’s premises) such as electricians, IT technicians, accountants, solicitors, surveyors, cleaners, carpenters, landscape gardeners, plumbers, kitchen and bathroom fitters, carpet/flooring fitters and painters/decorators.  If you do more than one type of work, most policies can be tailored to suit this as well. Get a Quote [...]

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29 06, 2019

Block building insurance

By |2022-05-16T08:40:08+00:00June 29th, 2019|Block Of Flats Insurance, insurance, Uncategorized|Comments Off on Block building insurance

Block building insurance Insurance arrangements in a block of flats or apartments can be confusing. Our team at Property Insurance Centre have put together a quick guide to the different types of insurance that are relevant to help explain things: Owner/Landlord You have responsibility for insuring the building and your policy must be suitable for rented properties if you are renting your flats out. If something happens like a fire or a flood you need to ensure you have the right insurance to pay for repairs or in the worst case for the building to be rebuilt. If you own more than one building you can take out one combined policy for all your properties. If you have any fittings or contents within the communal areas of the building you may want to take out contents insurance to cover this. Remember that you also need public liability insurance and [...]

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29 06, 2019

Residential Landlords Insurance

By |2022-05-16T08:41:54+00:00June 29th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Residential Landlords Insurance

Residential Landlords Insurance All landlords know that they have responsibility for insuring their building and anything they own within the building. Tenants should have contents insurance for their own possessions which are in the building – but they are not responsible for insuring the building itself. While these roles are clear to many people, there is often confusion about what insurance cover residential landlords need. Here is a quick guide to the policies which are provided by Property Insurance Centre who are experts in Residential Landlords Insurance based in London and Northern Ireland. What is covered with our landlord insurance? As a basic residential landlord’s insurance must cover any potential damage to the building itself such as a flood (depending on the location and flood history of the area) or a fire. This is similar to normal household insurance but a normal household insurance policy would be invalid if [...]

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29 06, 2019

Property Developer Insurance

By |2022-05-16T08:43:36+00:00June 29th, 2019|insurance, Property Developer Insurance, Uncategorized|Comments Off on Property Developer Insurance

Property Developer Insurance Whether you are a well-established property developer or someone starting a renovation project for the first time – do you know what property developer insurance is and why you should have it? In case you don’t here is a quick overview to help you. What is property developer insurance? Whether you are developing one property or lots of properties, experienced property developers know that even the best planned development can have things which go wrong or cause delays. Issues can arise which were not expected, such as an accident or injury on site to you, your employee or your contractor or the building may become damaged by a contractor and leave you months behind with a huge additional bill for repairs. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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29 06, 2019

Home Insurance Broker

By |2022-05-16T08:45:46+00:00June 29th, 2019|Home Insurance, insurance, Uncategorized|Comments Off on Home Insurance Broker

Home Insurance Broker It’s that time of year again and your home insurance renewal quote comes through the door. Many people take out their home insurance when they get their mortgage and then they stick with the same company for years without realising how much extra this may cost them. Some people think that they have to stay with their mortgage provider – but you can buy insurance from any provider so long as you have buildings insurance in place while you still have your mortgage. Other people spend time every year searching online and phoning companies to see if they can save money – but often they don’t think about the cover they are getting and whether it is what they actually need. Have you ever thought that using a home insurance broker could save you time and money? Most importantly brokers are experts in making sure you [...]

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29 06, 2019

Where to Buy Restaurant Insurance from

By |2022-05-16T08:50:08+00:00June 29th, 2019|insurance, Restaurant Insurance, Shop Insurance, Uncategorized|Comments Off on Where to Buy Restaurant Insurance from

Where to Buy Restaurant Insurance from Do you own a restaurant, a café, a fast-food restaurant or a takeaway? If so you will know that insurance is critical – but do you know exactly what types of insurance you should make sure you have and do you know what each is for? Just in case you are new to this or aren’t sure, read on for some hints and tips to make sure you are covered when you need it. Restaurant insurance in just a generic title for insurance to cover places which are like restaurants such as cafes, sandwich bars, takeaways and fast food restaurants as these businesses all need similar types of cover.  That said, every business is different – so it’s essential that you take the time to think about what you need.  Let’s think about a few questions which show how every business is unique [...]

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29 06, 2019

Landlord insurance in Northern Ireland

By |2022-05-16T08:53:03+00:00June 29th, 2019|insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Landlord insurance in Northern Ireland

Landlord insurance in Northern Ireland Are you already a landlord with one or multiple properties or are you thinking about becoming a landlord? If your answer is yes, now is the time to understand why you must ensure you have the right insurance. The condition of the property market in Northern Ireland is perfect for landlords. Many people can’t afford to buy their own home so renting is a good option which also leaves them without the responsibility of looking after the premise they are living in. Many businesses can’t afford to purchase buildings or if they are opening for the first time they aren’t ready to commit to property. The rental market is perfect for both commercial and residential landlords, with plenty of availability in Belfast and across Northern Ireland. But in terms of insurance that means a lot of responsibility sits with landlords. This is why landlord [...]

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29 06, 2019

Who to Choose for Your Commercial Building Insurance

By |2022-05-16T08:55:08+00:00June 29th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Who to Choose for Your Commercial Building Insurance

Who to Choose for Your Commercial Building Insurance When something goes wrong it’s not a good time to find out that your insurance cover isn’t right. If you own business premises and operate businesses from them you must ensure you have adequate insurance. Equally if you are a landlord with a single property or several properties and someone else operates businesses from them, you must ensure your risk is insured. This is known as commercial building insurance. As a basic you need to insure the actual building in case something happens to it. If you have a mortgage this is likely to be a pre-condition but if you do not have a mortgage it is still recommended as otherwise you risk having to rebuild your premise yourself if something happens to it. To insure a commercial building, you need know what activities are being carried out by the business or [...]

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29 06, 2019

Business buildings insurance

By |2022-05-16T08:57:02+00:00June 29th, 2019|Buildings Insurance, insurance, Uncategorized|Comments Off on Business buildings insurance

Business buildings insurance So it’s that time of year again – the annual insurance renewal premium comes in. As businesses, we always want to make sure we have the right insurance to cover us if something happens – but we also want to make sure our premium represents value for money – so how do we know we are getting the right insurance for our needs? What is business building insurance? Business buildings are critical to the survival of most businesses – so if you own your building it’s essential that you insure it for all potential risks and that the level of cover is right. If you or your businesses is renting out premises to other people, insuring your buildings is even more important to the protection of your investment. As a basic, you must insure the actual building – whether that’s a factory, a retail premise or [...]

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29 06, 2019

What Types of Property Insurance Are Available?

By |2022-05-16T09:03:26+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on What Types of Property Insurance Are Available?

What Types of Property Insurance Are Available? Although property insurance in the UK is not mandatory, it is a requirement of interested parties such as banks or anyone who lends you money secured on your property.  Also, if you rent out your commercial or residential property your tenant will assume that you have adequate insurance cover in place for the buildings. There are lots of different types of property insurance available, everything from common home insurance policies to bespoke portfolio packages for landlords with a variety of commercial buildings. Get a Quote Insurance under one roof We are specialists in many types of insurance At Property Insurance Centre we specialise in commercial insurance policies but do cater for home insurance policies through our offices in Northern Ireland [...]

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29 06, 2019

Why Is Commercial Insurance Important?

By |2022-05-16T08:59:47+00:00June 29th, 2019|Commercial Property Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Why Is Commercial Insurance Important?

Why Is Commercial Insurance Important? Your commercial property you own is one of the most expensive assets in your life. There it is extremely important you make sure you have adequate insurance cover in place to protect you against unforeseen incidents such as fire, subsidence, floods, etc. The team at Property Insurance Centre have extensive knowledge of different types of insurance available and can therefore guide you on the all the different types of cover. It is important to insure your property for the correct rebuild. Appointing a building surveyor to survey your property will ascertain a figure to which you should insure your property for. You do not want to underinsure your property as this will cause a lot of issue if a claim occurs. Why not give us a call on 0800 085 3761 to see how we can help you insure your property. Get a Quote [...]

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29 06, 2019

Block of Flats Insurance Southampton

By |2022-05-31T10:52:09+00:00June 29th, 2019|Block Of Flats Insurance, insurance, Uncategorized|Comments Off on Block of Flats Insurance Southampton

Block of Flats Insurance Southampton We are pleased to be able to offer great levels of cover and rates on block of flats policies around Southampton, Portsmouth & Brighton. What is included in our Block of Flats insurance policy? Each policy is specific to your individual requirements as a landlord, property manager or lettings agent.  Typically if you own the leasehold of the flats then all you will require is cover for the buildings, property owners liability and cover for the surrounding land that you own. Get a Quote Insurance under one roof We are specialists in many types of insurance We do also offer the following levels of cover: Employers liability up to £10 Million Terrorism Cover Alternative Accommodation Landlord contents insurance Communal contents insurance Cover [...]

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29 06, 2019

Contractors All Risk Insurance from Property Insurance

By |2021-01-22T06:43:44+00:00June 29th, 2019|insurance, Tradesman Insurance, Uncategorized|Comments Off on Contractors All Risk Insurance from Property Insurance

Contractors All Risk Insurance from Property Insurance Since 1976 Property Insurance Centre have specialised in Commercial and non standard types of insurance for a wide range of customers all over the UK & NI.  With access to the major insurance underwriters such as AXA, Ageas, Allianz, RSA, Aviva and Lloyd’s we can offer higher risk bespoke policies such as Contractors All Risk Insurance. What is Contractors All Risk Insurance? It is a non-standard policy that covers contractors for compensation claims if surrounding properties are damaged as a result of the construction project you are working on as well as injury to a third party (liability).  This type of insurance can offer protection against liability claims from subcontractors. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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29 06, 2019

Property Owners Liability Cover

By |2022-05-31T10:56:01+00:00June 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Uncategorized|Comments Off on Property Owners Liability Cover

Property Owners Liability Cover What does Property Owners Liability cover? It allows you to meet any costs or compensation payments that might need to be paid out after being sued by a member of the public following an injury.  It is specific liability insurance for property owners such as landlords. Who Does Property Owners Liability cover? It covers any property owners as you have a legal responsibility to ensure your property is well maintained and does not present unnecessary risks of injury or damage to tenants, visitors or members of the public outside the building.  It is for landlords and property owners. Where do I get Property Owners Liability cover? As one of the few specialist Commercial & Landlord insurance brokers in the UK we are able to offer excellent rates on our Property Owners Liability cover.  If you would like a quote or immediate cover call us today [...]

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29 06, 2019

Shop Insurance

By |2022-05-31T10:59:14+00:00June 29th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Shop Insurance

Shop Insurance Where to Shop for Insurance? When it comes to finding insurance for your shop you need to make sure that you are covered for lots of potential situations that might happen.  Therefore, find an insurance broker with the experience in commercial insurance who will do the searching for you instead of comparison websites.  Comparison websites only ask a few questions relevant to the business without asking the questions relevant to your specific shop. At Property Insurance Centre we have been trading since 1976 and pride ourselves in specialising in Commercial Insurance.  Answer the questions once to us and let us do all the searching for you.  We have great cover and rates with the major insurance underwriters such as AXA, Ageas, Allianz, RSA, Aviva & Lloyds and are pleased to offer cover for a wide range of shops including Coffee Shops, Restaurants, Florists, Butchers, Supermarkets, Grocers, Barbers, [...]

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29 06, 2019

Block of Flats Insurance Manchester

By |2022-05-31T11:02:55+00:00June 29th, 2019|Block Of Flats Insurance, insurance, Uncategorized|Comments Off on Block of Flats Insurance Manchester

Block of Flats Insurance Manchester We were delighted to be able to offer Mr Singh a Block of Flats Insurance policy for his block of 20 flats in the Salford area of Manchester.  He saved of £800 on his previous insurer’s renewal and was delighted with the saving and the fact that our portfolio policies mean that he can move his entire portfolio to one policy with us. Our block of flats insurance can include employer’s liability, terrorism, property owners liability, alternative accommodation, loss of rent, contents and buildings insurance cover.  Property Insurance Centre can also add subsidence, legal expenses, lift insurance and also directors and officers insurance if required. We pride ourselves on our independence and over 40 years of brokering gives us access to the major UK insurance underwriters ensuring the best rates and cover available.  If you are looking for Block of Flats Insurance in Manchester [...]

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29 06, 2019

Property Insurance Specialists

By |2022-05-31T11:04:38+00:00June 29th, 2019|Home Insurance, insurance, Landlord Insurance, Residential Landlords Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Property Insurance Specialists

Property Insurance Specialists What type of Property Insurance do I need? Property Insurance is an insurance required for everyone who owns a building whether it is your home or business and will offer cover for the cost of rebuilding if damaged by an insured peril such as Fire or Storm.  In addition property insurance policies will offer public liability insurance to protect you from compensation claims should anyone be injured on your premises. Can I claim my property insurance against my tax? You can claim property insurance against your income tax as it is an expense for your business.  Always make sure that you get a receipt when it comes to making a claim against your income tax. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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29 06, 2019

Chip Shop Insurance

By |2022-05-31T11:07:16+00:00June 29th, 2019|Chip Shop Insurance, Fish and Chip Shop Insurance, insurance, Uncategorized|Comments Off on Chip Shop Insurance

Chip Shop Insurance Property Insurance Centre have specialised in Commercial Insurance since 1976 and through our established relationships with the major underwriters we are able to provide some of the best rates and cover for Chip Shop Insurance in the UK. It can be difficult to find insurance companies who provide insurance for businesses who have deep fryers in their business.  However, we have access to some of the leading insurance underwriters and can offer great cover for Fish & Chip Shops with cover starting from £400. The rates will depend on the levels of cover required, postcode and even factors such as your food hygiene rating will make a difference to the cost of your insurance. As a family run independent broker we will do all the searching for you. Our chip shop insurance policies offer public and employee liability protection as standard and you can change the [...]

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29 06, 2019

Block Of Flats Insurance

By |2022-05-31T11:08:28+00:00June 29th, 2019|Block Of Flats Insurance, insurance|Comments Off on Block Of Flats Insurance

Block Of Flats Insurance Block Of Flats Insurance Quote & PDF Guide Property Insurance Centre, est. 1976, is one of the few specialist Block Of Flats Insurance brokers with offices in Moorgate, London and Donaghadee Road, Newtownards, Co. Down. We have a highly experienced team that ensures that you get the best cover and rates on Block Insurance regardless of the size of the block.  What it includes: Property Owners Liability Alternative Accommodation Option to add Legal Cover  Full Accidental Damage Block of Flats Insurance Comparison: We are not on insurance comparison websites, so we get the best level of cover and rates directly for our customers.  With over 40 years of brokering we have access to the major UK underwriters and with our excellent working relationship we have access to the best rates in the UK & Northern Ireland. Our dedicated new business team will take your details [...]

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29 06, 2019

Empty House Insurance

By |2022-05-31T11:10:20+00:00June 29th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Empty House Insurance

Empty House Insurance Property Insurance Centre are one of the leading insurance providers for Unoccupied House Insurance in the UK & Northern Ireland.  Standard home insurance policies only cover your home if it is empty for no more than 30 consecutive days at a time. Cover can provide: Property Owners Liability Fire Cover Option to increase to wider perils What does unoccupied mean for home insurance? Your home is considered empty or unoccupied if your property is empty for more than 30 days (a few insurance companies will go to 60 days) in which case your existing home insurance will reduce the types of cover that are offered.  There are lots of reasons that your home can become unoccupied, the most common is during renovations and it is important that you notify your insurance provider on what refurbishments are happening and an estimate on the cost of the works.  [...]

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28 06, 2019

Unoccupied Property Insurance

By |2022-05-31T11:13:49+00:00June 28th, 2019|insurance, Landlord Insurance, Uncategorized, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|Comments Off on Unoccupied Property Insurance

Unoccupied Property Insurance As one of the leading commercial and residential insurance brokers in the UK we are pleased to offer some of the best cover and rates on Unoccupied Property Insurance. We are one of the few companies to offer extended perils on cover of up to 90 days on inoccupancy (only if your intention is to let the property) which is per perfect for the many reasons that your home is unoccupied such as: Builders are in your home carrying out renovations or refurbishment and it is uninhabitable during the works. Long holiday (over 30 days for standard home insurance policies). Working abroad. Admitted to hospital for a long period or respite care. Admitted to a nursing home for a longer period. Away from your home because you work for the Army or other Military body. In between tenants if you let your home out. Get a [...]

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28 06, 2019

Specialist & Tailored Commercial Building Insurance

By |2022-05-31T11:19:10+00:00June 28th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Specialist & Tailored Commercial Building Insurance

Specialist & Tailored Commercial Building Insurance As one of the few specialist Commercial insurance brokers in the UK we are pleased to offer the best levels of cover and rates available on Commercial Building Insurance.  Our policies are underwritten by the largest companies such as AXA, Ageas, Allianz, RSA, Aviva and non standard and high risk policies are underwritten by our relationship with Lloyd’s Building Insurance for Commercial Property The purpose of Commercial Building Insurance is for commercial landlords looking to protect their building even if it is unoccupied.  With over 40 years of experience in the commercial insurance market we offer bespoke policies for everyone from those with one commercial property to portfolio policies for mixed use buildings.  With our experience we will do all the searching around to give you complete peace of mind not to mention the best rates available in the UK. Get a Quote [...]

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28 06, 2019

Home Insurance Specialists in Northern Ireland

By |2022-05-31T11:21:32+00:00June 28th, 2019|Home Insurance, insurance, Landlord Content Insurance, Uncategorized|Comments Off on Home Insurance Specialists in Northern Ireland

Home Insurance Specialists in Northern Ireland Property Insurance Centre have been trading as an independent broker in Northern Ireland since 1976 and due to the long established relationships and access to the major insurance underwriters in the UK we are able to give the best rates and cover in Northern Ireland. We don’t offer false discounts online with our policies and are not on search comparison websites. The reason for this is in order to pass on the best rates and cover available on our Home Insurance for our Northern Ireland customers. We also offer genuine discounts on our home insurance policies for those with a no claims discount, have a working house alarm and other factors such as being in a neighbourhood watch scheme. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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Copyright © Property Insurance Centre 2013 - 2026 | 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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