Comments for

Comment on Insurance firms crack down on fraudsters by Jason McClean

Jason McClean — Wed, 22 Feb 2012 14:46:14 +0000

If you feel tempted not to mention a claim, just consider that when you to make a new claim you could be found out, the claim rejected and your insurance voided. If that’s not bad enough then you could be refused insurance and getting any cover after that will be difficult and expensive. Fraud is not worth it and you don’t want your home insurance to be refused. Telling the truth is the best option and it need not cost the earth either – if you need home insurance try The Property Insurer.

Comment on Complete Guide to Landlords Rent Guarantee Insurance by Jason McClean

Jason McClean — Tue, 21 Feb 2012 16:23:27 +0000

Rent Guarantee Insurance is not always the panacea you may think. It can be quite expensive – maybe £120 or more per six months. That can be quite a lot to take off your profit for the time period so before you buy it make sure you know what it will do to your bottom line. Also, what is the top level of cover – many will only cover up to £2500 per month on lost rent. If you rent out your property in London then that may not be enough cover for you. The other thing to consider is whether or not your tenants will pass the vetting process – if they are borderline risk they may not be covered by rent guarantee or the policy price may escalate. This could be a major problem if you need tenants quickly and they do not pass the rent guarantee vetting – then you have to decide to take a risk with the potential tenant without the extra insurance. Try The Property Insurer for all your landlord insurance needs, it offers rent guarantee insurance as well.

Comment on Why is car insurance so expensive? by Angel

Angel — Thu, 16 Feb 2012 14:35:00 +0000

I think, insurance companies want to keep high profits as they have been used to in the past, so now they are charging us huge amounts for car insurance to compensate for increase of insurance claims due to the credit crunch. We shouldn’t be paying for that and it is a shame that the Government is not doing anything to keep an eye on what these companies are charging us.

Comment on The Hidden Costs of Cheap Home Insurance by Jason McClean

Jason McClean — Wed, 15 Feb 2012 09:37:07 +0000

Good article highlighting the pitfalls of buying home insurance and also the reason that The Property Insurer exists. Price is important and the lower the better for the consumer but you must maintain the right cover for the property you own. While many price comparison sites don’t even allow you the opportunity to choose excess, The Property Insurer does and it has a host of specialist products in case you need landlords insurance,flood insurance etc. A final tip, I’d suggest an excess of £0 on contents as the author above suggests, what is the point in having insurance if your excess prohibits you using it when something is stolen, broken or damaged?

Comment on Is iPad insurance really worth the money? by Jason McClean

Jason McClean — Tue, 14 Feb 2012 10:34:53 +0000

Gadget insurance is at a turning point – it could become the next best thing or it could become another version of the much abused Payment Protection Insurance (PPC). You should include and name your gadgets in your home insurance contents policy rather than buying a second policy. It should be easier to do (no second insurance quote or policy process) and will be either similar priced or cheaper. How can you warrant paying £60 approximately for a policy to cover something that may only cost £400 brand new – that’s 15% of the purchase price. Add your gadgets into your contents insurance, it makes sense.

Comment on Inside tips for buying cheap insurance from The Insurance Blogger by Jason McClean

Jason McClean — Thu, 09 Feb 2012 10:37:54 +0000

Some good advice here and I’d like to suggest another: look for price guarantees on insurance. Do your homework and get your best priced from comparison sites or brokers and then find a price guarantee to match or beat it – and hold the provider to matching or beating it on a like for like basis. Usually there are offers out there and right now on home insurance you can get a price match/beat guarantee and £5 donation to the East Anglian Air Ambulance on The Property Insurer. This works because the provider expects supporters of a charity to be a better risk than others, so they are happy to price guarantee. The let property insurance market is rife with price guarantees but without comparison it is hard work to find the lowest price. You’ll need to look hard for a price guarantee on car insurance but I know one will be launching soon with http://www.petrolprices.com…good luck saving money.

Comment on Gardeners & Landscape Gardeners Insurance Explained by Pensioner Insurance

Pensioner Insurance — Tue, 07 Feb 2012 22:55:30 +0000

I would be very surprised if even 75% of professional gardeners have Gardeners Insurance, nevermind, those unprofessionable gardeners whom do the odd job for their neighbours, or undeclared earnings.

I am surprised they require this by law, I understand why, but I can just imagine that thousands of tradesmen would be breaking such a law. Though, I doubt the regulator clamps down on those without insurance.

Many gardeners will simply think that if they get injured they will be able to go to hospital, and if they damage something, well, how much damage can you possibly do in a garden to merit an insurance policy.

Comment on Finding Cheap High Value Home Insurance by Jason McClean

Jason McClean — Thu, 02 Feb 2012 09:16:00 +0000

Good explanation here and good advice as well – the specialist broker who deals with High Value Insurance is a better bet than trying to force high vale items through on a standard contents policy (either not possible or else you may not be covered properly). Another aspect of High Value Home Insurance is the value (or rebuild value) of your home. If your property costs more than £1million to rebuild you will also benefit from going to a specialist insurer who has experience in this area. Try The Property Insurer for one of the best specialists in providing the best in High Value Home Insurance.

Comment on Why is car insurance so expensive? by Neil

Neil — Sun, 29 Jan 2012 14:16:42 +0000

ARRGGHH!! I have been looking at buying a 2nd car which is a Landrover Discover P reg and was checking out all the comparrisson sites and was gob smacked at what I discovered. Not only were the prices rediculous i.e. in excess of £700 but to top off, I discovered that insurance companies are not just daylight robbers but also sexist! I am a 37 year old male, married, 2 young children and have been driving for 19 years and my liscence is clean. I have all my liscences bar a tanker and have years worth of NCD. As a result of the inflated prices my 33 year old wife put in her details as main driver and me as a named driver for the exact same car etc and she has been driving only 9 years with 3 years no claims and the quote came back as £265 fully comp and all singing and dancing!!! WTF!! Can somebody explain this to me and guranteeded I will be signing the above petition!!

Comment on Insurers may pull plug on insuring flood risk homes by Jason McClean

Jason McClean — Thu, 26 Jan 2012 17:45:12 +0000

Sounds frightening but the fact is a good specialist provider will combine the Let and Flood requirement into a policy. The agreement between Government and the Insurers (the Statement of Principles, which encourages quoting on flood risk) runs out in 2013 but the market will react and provide cover for Let Flood property. It’s for this sort of insurance that you need the specialist and that’s where The Property Insurer excels – it compares standard home insurance policies for the best prices but also provides the tough, harder to get insurance such as Flood and Let combined through specialist providers.