Hi there. Recently my tenants has asked Virgin came to install cable without my consent, Virgin came and drilled a hole on my water pipe which caused serious water damage. Virgin asked me to go through my insurance company and make a claim then my insurance company will make a claim against them. So I did. But Virgin then denied their responsibility said my stop cock is not visible therefore they cannot pay for my damage. My insurance company still agreed pay for my damage but I am worried that after the claim will my insurance go up a lot? I read some articles said it will increase between 20%-50%, I have few properties and will my insurance go up on all of them? And it seems will last five years as well? I am disgust with Virgin and I am trying to come up with a reasonable figure to raise it up to them. I don't know how to calculate the cost of the increased insurance payment and not sure if can back it with some data. Thanks for your help in advance.
will my insurance go up significantly after the claim?
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Yes your premium will rise, as might the water damage excess and rates across the portfolio.
I think you should have claimed off Virgin and not your insurer. You could send them a letter before action for the whole repair cost and add a decent whack for likely increase to your premium.
They will probably just pay.
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Thanks Section20Z. I know Virgin should just done the repair but unfortunately they decided to ignore the damage they caused. With over 6000pounds cost I don't think they will pay up. They did say they will rectify everything until their constructor came and decided it will cost lots of money, then they told me the only way Virgin will pay is through the insurance company. I know it is so unfair. Virgin has totally ignoring me and I can't see any progress after six week, they didn't even provide my tenants accommodation after the damage, my tenants have no place to live for two weeks and I bought them a new bed so they can temporarily stay in the house before the repair.
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I would commend to all readers to deny wayleaves to Virgin as have we. They caused significant damage to a property by cutting a slot in an asphalt covered walkway for their cabling into a flat. We didn't find the source of the problem at the time and spent around seventy thousand pounds re-asphalting a large area forming a flat roof and walkway to ten flats as it was not apparent from where the leak was emanating.
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bluebird2021 - you should have fixed the pipe and made your tenant pay or bring a small claims case against Virgin. I find Virgin are quite insistent on getting landlord approval. I wonder what went wrong there?
Agree with flyingfreehold. I have just had Sky put a cable across the garden of one of my properties (without any notice or consent) and create a trip hazard with cable at a stone step up to a front door. I have tried to contact them without any result so am planning on cutting and removing the cable which goes to a neighbouring property.
Freedom at the point of zero............
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Originally posted by flyingfreehold View PostI would commend to all readers to deny wayleaves to Virgin as have we.
https://www.landlordzone.co.uk/news/...led-in-blocks/
When I post, I am expressing an opinion - feel free to disagree, I have been wrong before.
Please don't act on my suggestions without checking with a grown-up (ideally some kind of expert).
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Thanks for posting that. BT have been active in pursuit of wayleaves for blocks of flats along the south coast of late. I have found their applications for wayleaves to be much more professional with detailed plans of wiring routes through common parts which we were able to approve in co-operation where appropriate with residents committees. They will also pay for the grantors reasonable costs in the application.
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Reply to Landlord Insurance Renewalby jpucng62I would expect to pay about £130m- £150. Have you got some sort of rent guarantee or other extras included; a poor claims history; flooding locally? Something has pushed the up above normal rates - ring a. decent commercial broker and get a comparison quote.
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Reply to Landlord Insurance Renewalby Gordon999Piffy, What prices have you been quoted by some companies from this website ?
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by raghusnI am new here and my first post...
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by nukecadThey are two (or 3) seperate properties, each with a different owner/leasholder who is responsible for their own buildings insurance.
Take it up a step and think of a row of terraced houses all with the same freeholder.
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by raghusnI bought my house in 2016 in a building with two converted flats. The house came with the freehold for the whole property. The building has two semi detached parts. One part forms our house and the other part has two flats one in each floor. The leaseholders of both flats have let out their flats to...
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Channel: Insurance Questions
05-03-2021, 15:20 PM -
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by raghusnThank you Section 20z. Thinking of holding on to the LPE1 till I get a proper quote mid-March and then send a notice to the leaseholders for 50% contribution each. Then send out the LPE1 with the amount shown as due from the leaseholder.
Please let me know if I am missing something.
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by Section20zI don't see it's your problem, when you answer LPE1 you can quote last year's premium and say you expect it to rise due to recent claims.
You can also easily get quotes by saying it's due in 2 weeks time.-
Channel: Insurance Questions
04-03-2021, 20:25 PM -
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Thanks for posting that. BT have been active in pursuit of wayleaves for blocks of flats along the south coast of late. I have found their applications for wayleaves to be much more professional with detailed plans of wiring routes through common parts which we were able to approve in co-operation where...
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Channel: Insurance Questions
02-03-2021, 21:12 PM -
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by bluebird2021Hi there. Recently my tenants has asked Virgin came to install cable without my consent, Virgin came and drilled a hole on my water pipe which caused serious water damage. Virgin asked me to go through my insurance company and make a claim then my insurance company will make a claim against them. So...
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Channel: Insurance Questions
22-02-2021, 22:25 PM -
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