Uncategorized

Get expert information about Uncategorized Insurance from the insurance team at Property Insurance Centre. Get your questions answered.

26 06, 2019

Incentives for Landlords, Estate Agents & Property Managers

By |2021-01-15T07:57:19+00:00June 26th, 2019|insurance, Landlord Insurance, Uncategorized|Comments Off on Incentives for Landlords, Estate Agents & Property Managers

Incentives for Landlords, Estate Agents & Property Managers Property Insurance Centre have offered specialist insurance policies for commercial and residential landlords since 1976. We are an independent broker with access to a wide range of insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz. With offices in London and Newtownards, Northern Ireland we have thousands of clients all over the UK and a dedicated new business team ensuring that you do not have to deal with a call centre. Claire, Robert and Gavin are on hand to offer advice on any commercial or landlord insurance questions you may have as well as offering no obligation quotes. When it comes to commercial and landlord insurance policies there are very few companies who will offer a quote online facility.  Therefore, if you call us on 0800 085 3761 let us do the searching for you, this also ensures that you [...]

26 06, 2019

What to watch out for as a Landlord

By |2020-07-23T11:16:22+00:00June 26th, 2019|insurance, Landlord Insurance, Uncategorized|Comments Off on What to watch out for as a Landlord

What to watch out for as a Landlord With the proposed Tenant Fees Bill about to come into effect a maximum £50 charge will be introduced for name changes to tenancy agreements. In addition to these changes, there are things you are responsible for as a landlord. By doing these tasks, you will keep a healthy relationship with your tenants. This means that the whole process will be easier to manage, especially when their tenancy comes to an end. If you have treated them properly and have done all the things on the list below then they will be more likely to leave the property is a good condition after getting end of tenancy cleaners london before they left. There are so many benefits from being good to your tenants that there’s no reason not to. Do Not Charge to fit smoke alarms It’s your landlord’s responsibility to make [...]

26 06, 2019

Shoe Shop Insurance

By |2020-05-19T14:14:27+00:00June 26th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Shoe Shop Insurance

Shoe Shop Insurance Instead of using comparison websites and having to repeat the same information again and again get in touch with our new business team on 0800 085 3761 and we will do all the searching for you. As the owner of a busy shoe shop we will ask you for the information once and as an independent broker we will search through our large panel of insurance underwriters to get you the best Shoe Shop Insurance for the best price. We are FCA approved and have been specialists in business insurance since 1976. You can request a callback with us at a time convenient to you or give us a call to get an immediate quote and cover if required. For shoe shops we will search for insurance cover that covers your buildings and stock, public liability, employee liability and legal cover if required. Be reassured that you [...]

26 06, 2019

Fish and Chip Shop Insurance

By |2020-08-05T10:28:14+00:00June 26th, 2019|Chip Shop Insurance, Fish and Chip Shop Insurance, insurance, Shop Insurance, Uncategorized|Comments Off on Fish and Chip Shop Insurance

Fish and Chip Shop Insurance As an owner of a Fish & Chip Shop in the UK Property Insurance Centre can offer you buildings, public liability and fixtures and fittings can be covered if required. As experts in Commercial Property Insurance we can offer you our promise to beat your invited insurance renewal premium (terms & conditions do apply).  We know that business owners are busy people therefore we can take care of and quote for everything that your business might need such as: Public liability insurance Employers liability insurance Contents insurance Business interruption Buildings cover Financial cover that protects money on your premises including what is contained in a safe Goods in transit Buildings cover Legal expenses Terrorism cover Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

26 06, 2019

Multiple Use Block Of Flats Insurance

By |2021-10-19T19:00:21+00:00June 26th, 2019|Block Of Flats Insurance, insurance, Uncategorized|Comments Off on Multiple Use Block Of Flats Insurance

Multiple Use Block Of Flats Insurance Property Insurance Centre offer specialist insurance cover for Block of Flats with multiple tenancy type insurance. For example, if there are shop units on the ground floor and residential above then standard block of flats insurance will not offer adequate cover. If you are looking for an independent insurance quotes then we can arrange policies for the freeholder, leaseholder or management companies. Cover can include all risks such as fire, storm, flood subsidence and escape of water. We have access to many different insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz so we can insure you the best cover for the best price! If you are a landlord, estate agent, management agent or someone with a portfolio of properties call us today Freephone on 0800 085 3761 and speak to us to find out what incentives and discounts we offer. Get [...]

26 06, 2019

Bed and Breakfast Insurance

By |2021-10-19T19:05:57+00:00June 26th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Bed and Breakfast Insurance

Bed and Breakfast Insurance A standard home insurance policy will not cover you if you decide to turn your home into a B&B or Air BnB due to the number of guests or customers that will be coming in and out of your property. Property Insurance Centre have been providing specialist insurance cover for people who run a business from their home since 1976. We can provide you with additional cover to protect you against your guests stealing or accidentally damaging anything in your home. We can provide the following: Buildings insurance cover up to £500,000 (additional cover is available if required). Public liability insurance up to £5 million to cover any accidents involving guests at your B&B. Employers liability for anyone you employ in your B&B. Business continuity insurance & cyber insurance to protect against anything that might damage computers or attacks on your website that will affect [...]

26 06, 2019

Architects Professional Indemnity Insurance

By |2020-05-19T14:37:25+00:00June 26th, 2019|Architects Professional Indemnity Insurance, insurance, Uncategorized|Comments Off on Architects Professional Indemnity Insurance

Architects Professional Indemnity Insurance Having adequate insurance in place is essential for all architects. Professional indemnity insurance is expected under S8 of the Architects Code of Conduct. As an architect you are responsible for providing professional and reliable advice to your customers. As an architect you know the liabilities of the design and advice given, a fault in the building could have major implications in terms of investment or public health & safety. If anything goes wrong it can mean that your customer could sue your practice and PI (professional indemnity) insurance is there to cover what could be a costly legal bill and any compensation that might be paid out. PI insurance is common amongst architects due to some public sector organisations and large private contractors requiring high levels of Professional Indemnity cover as a condition of awarding the contract. Get a Quote [...]

26 06, 2019

Launderette Insurance Cover

By |2020-05-19T14:42:22+00:00June 26th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Launderette Insurance Cover

Launderette Insurance Cover For over 40 years Property Insurance Centre have been providing specialist brokerage services for businesses of all types including Launderettes. It is important to protect yourself from insurance claims from your customers and any employees. With access to lots of underwriters we will do all the searching for you so no need to use a price comparison website! Speak to us today on 0800 085 3761 today to get the best price for your Launderette Insurance. The insurance policies can cover your building, public liability, business interruption if your business has to close temporarily and even legal expenses protection is available. We can provide insurance protection for your specialist equipment in the launderette including the everyday essentials such as your computer. We recommend that you read your policy documents and make sure that you understand any exclusions that might apply. If you rent your premises check [...]

26 06, 2019

Block of Flats insurance broker

By |2020-05-19T14:48:31+00:00June 26th, 2019|Block Of Flats Insurance, insurance, Uncategorized|Comments Off on Block of Flats insurance broker

Block of Flats Insurance Broker What can a Block of Flats Insurance Broker Offer? Property Insurance Centre offer cover for landlords and management companies who let out blocks of flats of all sizes. We can offer policies specifically for flats and apartments, working with Allianz, Aviva, RSA, Zurich and Axa we are able to offer speciality cover at competitive rates. Call us on 0800 085 3761 to get a quote and avail of our immediate cover if required. We can provide cover for all of your properties in one policy and are available on the phone or by email should you require to make any changes. What is covered by our policies: Alternative accommodation up to 25% of the buildings sum insured Accidental damage for your buildings. Damage caused by wear and tear or defective workmanship is not covered The landlords contents, subject to a policy excess specified within [...]

26 06, 2019

Cyber Insurance UK

By |2021-10-19T19:26:28+00:00June 26th, 2019|insurance, Uncategorized|Comments Off on Cyber Insurance UK

Cyber Liability Insurance With GDPR legislation about to come into effect on the 28th May now is the time to make sure you are covered incase you are unfortunate enough to suffer a cyber-attack or data loss. You have a duty of care to protect the data who hold on your customers.  According to HM Government & Marsh UK Cyber Security Report in March 2015 52% of businesses think they have cyber cover but in reality less than 10% actually do. Businesses big and small can be affected by cyber risks and according to the HM Government & Marsh report 60% of small businesses suffered a cyber security breach in 2014. This is why cyber insurance is important! How can Cyber Risks affect businesses? Virus or hacking attacks which stop customer transactions. Corruption of damage of data. Theft of intellectual property. Loss of customer, supplier or critical process data. Consequent [...]

25 06, 2019

Why you should have Landowners Liability Insurance

By |2020-06-05T10:29:03+00:00June 25th, 2019|insurance, Land Liability Insurance, Uncategorized|Comments Off on Why you should have Landowners Liability Insurance

Why you should have Landowners Liability Insurance Who needs landowners insurance? All landowners, even if you are in the country, town or city should always consider protecting themselves with landowner liability insurance.  This can particularly apply for: Residents associations with communal areas. Commercial landowners e.g. industrial estate or sports field. Private landowners e.g. common land, fields with or without footpaths. Brownfield land, development site, undeveloped pasture, field, road and retail parks. Types of Claim: A tree falling & causing damage to a person or property. Someone being injured due to your negligence in maintenance of the area If you own any land, you are liable for any member of public even if they are trespassing and you may have to pay out compensation unless you can prove that you were not negligent. How we can help: Property Insurance Centre can offer Landowners Liability Insurance policies with immediate start cover.  With [...]

25 06, 2019

Public Liability Insurance

By |2021-10-19T18:56:11+00:00June 25th, 2019|insurance, Public Liability Insurance, Uncategorized|Comments Off on Public Liability Insurance

Public Liability Insurance from The Property Insurance Centre What is Public Liability Cover? Public Liability Insurance will take care of any injuries or damage that occurs to a property or person not associated with your business during the course of work. For example, if you were a cabinet fitter and a cabinet that you had just installed fell of the wall and knocked into someone else the injury claim would be settled by your insurance claim and the only expense to you would be the insurance excess. A lot of public liability insurance policies also include legal expenses cover. This can vary depending on the company and policy. Whether you are starting a business or have yet to look into getting insurance that can cover you in case of any accidents at work, to protect your business from any claims that may be made to you from members of the [...]

25 06, 2019

Commercial Property Insurance Brokers UK

By |2021-10-19T19:02:18+00:00June 25th, 2019|Commercial Property Insurance, insurance, Uncategorized|Comments Off on Commercial Property Insurance Brokers UK

Commercial Property Insurance Brokers UK Commercial Property Insurance Brokers since 1976 Property Insurance Centre are one of the few brokers who specialise in Commercial Property and Business Insurance and with over 15 different underwriters we are sure to find you the best price and the right insurance protection. All you have to do is give us a call on 0800 085 3761, we have offices in London & Northern Ireland so cover all over the UK. We offer a range of products from Residential and Commercial property owners.  We also provide commercial and residential combined policies with accidental damage and £2,000,000 public liability cover as standard, which can be increased to £10,000,000 if required.  We are also specialists in Unoccupied Commercial Insurance and Unoccupied Residential Property Insurance. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

25 06, 2019

Retail Shop Insurance UK

By |2020-06-05T10:29:47+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Retail Shop Insurance UK

Retail Shop Insurance UK If you own a retail premises you need to be careful with obtaining the correct level of cover to protect your asset. You may be the landlord of the building or the freeholder and operating your business from the premises, and both will expose you to certain risks that you need to be aware of. Whether you have a property owner’s policy/commercial property owner’s policy or business policy, you can be exposed to liability claims. Imagine you had a customer & you were the business owner insuring your contents and fixtures & fitting along with the stock in the shop, and your customer tripped and fell, injuring themselves in the process. Now imagine the same customer is unable to carry out her duties at work due to the injury sustained at your premises. Now imagine you have been found negligent – this is why it is paramount [...]

25 06, 2019

Looking to Rent for the First time in London

By |2020-06-05T10:27:44+00:00June 25th, 2019|Buy to Let Insurance, Home Insurance, insurance, Landlord Insurance, Uncategorized|Comments Off on Looking to Rent for the First time in London

Looking to Rent for the First time in London If you are looking forward to moving to London for the first time can be exciting and challenging!  Therefore, we have the following tips when it comes to looking for your first flat/apartment in London. Find out what you are looking for and what part of London you are looking to move to. For example, South London will give you newer buildings and a bit more space for your money. Carry out plenty of research in terms of what facilities are close by, how long your train journey will take to work and what local restaurants, shops are nearby. When you are looking at the rental prices make sure you check what the additional costs are such as management fees, council tax, water rates, what type of heating the apartment is used (gas, electric or oil). If you know anyone [...]

25 06, 2019

Home Emergency Breakdown Cover Insurance UK

By |2021-10-19T19:27:39+00:00June 25th, 2019|Home Insurance, insurance, Uncategorized|Comments Off on Home Emergency Breakdown Cover Insurance UK

Home Emergency Breakdown Cover Insurance UK Many of our customers opt for Home Emergency Cover as an extra to their Home Insurance Policy that they hold separately. It essentially compliments your household policy, providing benefits and services which are not normally available under such policies. The home emergency cover will normally provide cover up to a value of £1,000. Many homeowners take this policy out for risks to their boiler for example. Other covers may include plumbing problems relating to leaking pipes, blocked drains or leaking radiators, toilet blockages, hot water failure, pests such as mice or rats (which are a major issue in cold weather conditions that we are experiencing in the UK at the moment), roofing (where slates have been blown off during a storm or bad weather conditions). The policy will normally include a call out, labour, parts and materials to carry out emergency repairs or if [...]

25 06, 2019

Saving Business Expenses

By |2021-01-15T08:03:54+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on Saving Business Expenses

Saving Business Expenses Whether you work in an office or a retail shop premises, there are numerous ways as a business owner you can save money or cut costs. The most important rule to follow when cutting costs is – pay attention to detail. It’s the smaller things that add up, especially when there are many smaller things. Although staff are often considered the life blood of your business (and rightly so), you need good staff to operate your business efficiently when you are not around, but are they costing you money? I’m not talking about wages here either obviously – good staff deserve good pay, and you will get more back than you pay out!What you should pay attention to, is the other things that they are doing on a daily basis, that are peripheral to their main tasks. Anyone who works in an office, knows there is [...]

25 06, 2019

We saved Mrs Glenn possibly £5000

By |2020-06-05T10:30:57+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mrs Glenn possibly £5000

We saved Mrs Glenn possibly £5000 Mrs Glenn owned a house which has been rented out for a number of years. The tenant left the property and Mrs Glenn found it difficult letting the property out & eventually decided that the house was to be sold. Assessing her risk, she decided that she only would require cover for liability to the land upon which the building sat and liability from the building itself. Mrs Glenn, who owned the building in Bangor, decided that insuring the land was her best option. She filled in our online form and we returned the land insurance quote to her by email within 30 minutes. Mrs Glenn rang the office and paid the premium by credit/debit card and received a discount for doing so. The policy ran for nearly 2 years when Mrs Glenn contacted us to inform us that she has received a letter from [...]

25 06, 2019

We saved Mr McCann £200 On His Insurance

By |2020-05-20T16:06:44+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mr McCann £200 On His Insurance

We Saved Mr McCann £200 on his insurance Mr McCann is a residential landlord with in excess of 20 properties on his residential property owner’s portfolio. Mr McCann contacted Property Insurance Centre for a Residential Landlord Quote after hearing we specialised in residential landlord’s property insurance centre. Not only were we able to beat the existing insurer’s premium by over £200, we were able to add contents cover to each of the residential properties for up to £5000 per property without any extra charge.Upon comparing cover Mr McCann also benefited from some extra cover on the policy that he did not have previously. He now has cover for malicious damage by his tenant up to £5,000, legal expense for the eviction of squatter & cover caused by damage from illegal drug factories if certain checks were carried out as per the policy. Get a Quote [...]

25 06, 2019

We saved Mrs Campbell £400

By |2020-06-05T10:33:31+00:00June 25th, 2019|insurance, Uncategorized|Comments Off on We saved Mrs Campbell £400

We saved Mrs Campbell £400 Mrs Campbell from Newtownards insured her home with a local broker for more than 20 years. Her buildings and contents were insured along with some valuable items such as jewellery. Her premium steadily increased every year and Mrs Campbell eventually decided to search for an alternative. It became clear her buildings sum insured with her previous insurer was far too high as they insured for a nominal value up to £1,000,000. Property Insurance Centre advised Mrs Campbell that she could save substantially by obtaining the correct reinstatement cost of the Building. Mrs Campbell was able to obtain the correct sum insured which was £120,000 and saved herself a fortune by reducing the sum insured from the nominal figure that her previous insurer applied to her cost. We also were able to provide extra cover and she now has legal expenses and home emergency cover additionally on [...]

25 06, 2019

Dentist Insurance

By |2021-10-19T19:24:17+00:00June 25th, 2019|insurance, Tradesman Insurance, Uncategorized|Comments Off on Dentist Insurance

Dentist Insurance If you are the owner of a Dentist building or require cover for the buildings & contents, it is essential your get the correct level of cover. Insurance for a Dentist can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required. The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the vicinity of the premises. This is why having a [...]

25 06, 2019

Fruit & Veg Shop Insurance

By |2021-01-08T13:03:27+00:00June 25th, 2019|insurance, Shop Insurance, Uncategorized|Comments Off on Fruit & Veg Shop Insurance

Fruit & Veg Shop Insurance UK If you are the owner of a Fruit & Veg building or require cover for the buildings & contents, it is essential you get the correct level of cover. Insurance for a fruit & veg can be for the buildings only, where you can have cover for all standard perils (such as fire, theft, flood, storm or malicious damage) and your legal liability to the public. The standard property owners liability limit is £2 million and can be increased to £5 million if required.  The liability section of a buildings only policy will cover you for your legal liability to the public & third party property damage – think of strong winds from a storm dislodging a tile or guttering from your building and causing damage to a nearby car in the street or, injuring a person who is simply walking in the [...]

25 06, 2019

Home Insurance Cover

By |2020-05-21T13:46:23+00:00June 25th, 2019|Home Insurance, insurance, Uncategorized|Comments Off on Home Insurance Cover

Home Insurance Romford Mr Rahman owned his own private house in Romford and was insured with a different broker until last year. He has been with his previous insurer for nearly 15 years and never once had to claim, until last year. The claim occurred two weeks before the policy was due to renew. The insured received little assistance with the claim from his insurance company & the insurer also refused to offer terms due to the pending claim. If you are looking for Home Insurance in Romford speak to us today on 0800 085 3761. This placed the customer in an awkward position, being so close to his renewal date with an outstanding claim. This prompted the customer to look for alternative insurance cover. Once the customer contacted us, we contacted our underwriters and asked them to consider cover taking into consideration the outstanding claim. They agreed and the [...]

25 06, 2019

Leaseholder Insurance London

By |2021-10-19T18:54:24+00:00June 25th, 2019|insurance, Office Insurance, Shop Insurance, Uncategorized|Comments Off on Leaseholder Insurance London

Leaseholder Insurance London Mrs Penny has insured with Property Insurance Centre for a number of years. She was the leaseholder of a flat in North London, and along with the 3 other leaseholders, had formed a management company to manage the freehold. Mrs Penny was on the ground floor of the block of flats and noticed there was blockage in her bathroom. A claim was made to her insurer without delay. After a number of weeks her insurer responded and stated that there was no cover within the policy in this particular case, as the insured did not opt for accidental damage cover when taking the policy out. Mrs Penny contacted her broker, Property Insurance Centre, regarding the insurer’s initial response stating there was no cover on her leaseholder insurance policy. Property Insurance Centre quickly established that the claims handler’s assessment was incorrect, and that one of the core covers [...]

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