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HMO aka House in Multiple Occupation Insurance

February 26, 2014 HMO Property Insurance

Acronyms are fine just so long as you know what they mean – the problem with HMO insurance (and the reason I had to clarify it) is that it sounds like something to do with Her Majesty . . . and it isn’t, although I hope she’s got the right sort of HMO insurance on her multiple occupancy properties.

HMO insurance, or House in Multiple Occupation insurance is essential for many landlords and property letting companies, although many landlords don’t actually understand what it is and whether they need it. Read More

Sports Professional, Celebrity, High Profile Occupation Insurance

February 25, 2014 High Risk Liability Insurance

Being in the public eye can make life a lot more difficult to sort out the normal things in life, such as insurance – many of your “mainstream” insurers will not provide you with a quotation due to your occupation being too much of a high risk.

At Goldcrest we have been providing quotations for those in high profile occupations for over 30 years, and have the relevant agencies in place to provide first class coverage to all your needs; whether you be a professional footballer, a singer in a pop band or model, these are not a problem for us. Read More

What to Look For with Courier Fleet Insurance

February 19, 2014 Fleet Vehicle Insurance

Courier fleet insurance is a specialist insurance policy so it’s important that you find an insurance company which has the right type of policy and experience to deal with the specialist needs.

When you are looking for courier fleet insurance it is important to remember that the cheapest policy is very often not the best policy – things are always cheap for a reason and a cheaper policy may not cover everything you need to be covered. Read More

About Tradesmen Professional Indemnity Insurance

February 17, 2014 Public Liability Insurance

It is always thought that if work with any trade that involves manual labour; the only insurance you require to be fully covered is Public Liability and Employers Liability. This is usually the case; however, what for those tradesmen that provide written reports and inspections, should anything go wrong with that information provided to the client, a Public Liability insurance policy isn’t going to cover it. Professional Indemnity is often considered an insurance policy for “white collar” trades and many tradesmen would not consider entertaining the possibility of taking out a policy and many unaware of what a Professional Indemnity Policy actually is. Read More

Online Retailing Liability Insurance

February 13, 2014 Cyber Insurance

smart technology being used iphone female landlord

The internet is arguably one of the greatest inventions by man. An endless encyclopaedia of knowledge with everything you could ever need at right your fingertips.

With the internet having over 360 million users a day, it creates a great medium for aspiring new business owners to trade and retail their services to a worldwide market. Read More

Councils to Introduce new Licencing for Landlords

February 12, 2014 Commerical Property Insurance

Some councils now want to register all landlords, and are charging up to £500.00 per property. Upon receipt of the relevant information, apparently Newham Council in London were the first to introduce this, and now apparently at least one other council, Waltham Forest, are considering doing the same.

The extract read that a landlord whom has properties in Newham said there is a lot of paperwork involved as the council wants to know the whole ins and outs of the entire property – it is of many’s opinion that this is seen to be the latest money maker for councils, Read More

Government Flood Insurance plan leaves Landlord High & Dry

February 6, 2014 Property Owners

Ministers’ plan to ensure flood insurance is widely available, will not extend to private rented accommodation, leaving landlords and tenants in flood-affected areas vulnerable to massive financial burdens, one of the country’s leading landlord organisations is warning.

Just days after much of the east coast of England faced some of the most serious flooding in over half a century, the residential landlords association (RLA) is seeking urgent clarification from the government over its flood insurance proposals currently going through parliament. Read More

Insurance for a Synagogue

February 3, 2014 Place of Worship Insurance

Running a non-profit organisation such as a place of worship, it is imperative that you keep out-going costs to a necessary minimum. Being the head of the committee that runs a Synagogue, the first place you can look to reduce costs is with your annual insurance policy.

By reducing costs we do not mean dilute the coverage in any way in an attempt to keep the premium down – what we recommend is trying a broker to obtain you an alternative quotation, Read More

Insuring Properties with subsidence

January 30, 2014 Subsidence Insurance

Insuring a property that has had subsidence issues/history can be very difficult given that your more “mainstream” provides will not cover them. Its normal for property owners or potential property owners to feel it’s almost impossible to get the property insured having exhausting all the usual means of obtaining a quotation; however you need to deal with a specialist for properties of this ilk.

At Goldcrest we have access to a wide range of insurers ready to provide quotations for properties with subsidence history at very competitive rates. Read More

Insurance for your Small Fleet

January 27, 2014 Fleet Vehicle Insurance

If you are looking to expand your business by obtaining more vehicles to meet the demands and needs of your clients; an efficient way of insuring these vehicles is by obtaining a small fleet insurance policy more commonly known as a mini fleet insurance policy. Read More

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