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07
Oct
2016

The new 10% Insurance Premium Tax and home insurance

  • Jason McClean
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FROM October 1st, Insurance Premium Tax (IPT) has gone up from 9.5% to 10%. This will make a difference to your home insurance - and your car insurance as well. The Government has increased IPT, put bluntly, to raise more tax. They say (I read) for building flood defences and other good causes, but let’s not kid ourselves. It’s a…

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30
Sep
2016

Property prices and Home Insurance

  • Jason McClean
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ZOOPLA has revealed the top 10 most expensive streets in Britain and it got me thinking about the relationship between property price and Home Insurance. Take Kensington Palace Gardens in London, the most expensive street in Britain. The average house costs more than £38million. It is not nicknamed Billionaires Boulevard for no reason. The Boltons in London isn’t much cheaper…

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20
Sep
2016

The Government needs to encourage buy to rent and landlords

  • Jason McClean
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ACCORDING to research by Your Move, 61% of all renters in the UK are now above the age of 35. A whopping 40% of all renters are aged over 46. That bucks the myth that renters are mainly young people that cannot afford their own house purchase. It means we should be encouraging more buy to rent and landlords rather…

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16
Sep
2016

Autumn rain and flood insurance

  • Jason McClean
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DESPITE the heat wave we have enjoyed in mid-September, the rains are due to arrive and when they do you may want to check you have flood insurance for your property. The recent hot weather – the hottest September day since 1911 – has temporarily led to us forgetting that autumn and winter are on their way. And if they…

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06
Sep
2016

Rent to Rent Insurance

  • Jason McClean
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MY good friends at Property 118 have been working hard to educate landlords on what they need to operate their businesses and brought to my attention the need for Rent to Rent insurance. I cannot urge you enough to visit Property 118 and join their action group, it is vital that landlords stick together when being attacked from all quarters…

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02
Sep
2016

Landlords should join the Property 118 Action Group

  • Jason McClean
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THE PROPERTY INSURER has been partnered with Property 118 for several years now and it is without hesitation that I recommend that landlords consider joining the new Property 118 Action Group. Property 118 is all about landlord welfare and protection, it fills a role that associations simply cannot take on. Without Property 118 the West Bromwich would have changed its…

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26
Aug
2016

The ethnic cleansing of Landlords – a Conservative policy?

  • Jason McClean
  • 140713 Views
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SO shortly after bringing in clause 24 that sees Landlords being taxed on money they borrow as well as losing wear and tear allowance, the Conservatives hike Stamp Duty for second homes to 3%. The Conservatives tell the Bank of England to get on the case and increase multiples and make it harder for Landlords to borrow. The lapdog duly…

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24
Aug
2016

Do you need Rent Guarantee Insurance?

  • Jason McClean
  • 140570 Views
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LANDLORDS often ask me whether they need Rent Guarantee Insurance. I always say the same thing, it’s down to your own personal appetitie to risk. But would I ever buy it? The answer is no and never – and that’s coming from an insurance broker! What is Rent Guarantee Insurance? Rent Guarantee Insurance is a great idea. You pay for…

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11
Aug
2016

Landlord Insurance and how to save money

  • Jason McClean
  • 140615 Views
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IF you are a landlord then you will need Landlord Insurance. This is your guide on how to get the right policy coverage at the right price and save yourself some money. With new tax charges looming in April 2017 thanks to Clause 24, the Tenant Tax, it is in every landlord’s interest to reduce their costs to try and…

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03
Aug
2016

Do you need Unoccupied Insurance in the summer holidays?

  • Jason McClean
  • 140609 Views
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IT is holiday season and many people are jetting off to warmer climes and sunny beaches. Many of them wonder if they will need Unoccupied Insurance in the summer holidays. This is your guide to what home insurance you need when you are looking at holidays.   Check your home insurance policy The first thing you need to do is…

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