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Started by leaseholdanswers, 12-01-2014, 12:38 PM
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by Priever
 
Started by leaseholdanswers, 27-12-2013, 10:53 AM
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Started by leaseholdanswers, 30-07-2013, 10:13 AM
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Started by ashburnham, 04-07-2013, 15:21 PM
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Started by HazeltonLane, 02-06-2019, 11:51 AM
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Started by jjalexander, 03-03-2020, 13:14 PM
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Started by Boab, 12-03-2020, 16:49 PM
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Started by Another Fine Mess, 25-02-2020, 15:20 PM
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  • Rent Guarantee Insurance
    by oi2004as
    Hi

    I would be interested in your view on the following

    I received a renewal Legal & Rent Guarantee Insurance documents from Rentguard (which initiallyy I purchased through Openrent)

    There is the following condition in their 'statement of fact':
    "The...
    11-07-2020, 11:59 AM
  • Reply to Rent Guarantee Insurance
    by AndrewDod
    I guess the only point ever to insure is if

    a) You think they have calculated a too-low premiums based on the (correct) information you gave (extremely rare) so that you will statistically "win"

    b) If the event (if it occurs) will be life changing. Like medical travel...
    11-07-2020, 18:14 PM
  • Reply to Rent Guarantee Insurance
    by Section20z
    Insurance can never pay out more than it takes in premiums so you're on a hiding to nothing. The only way you'll ever win on insurance is if you have below average luck, but in that case you'd probably also find you'd forgotten to pay the premium 🤔
    11-07-2020, 18:04 PM
  • Reply to Rent Guarantee Insurance
    by AndrewDod
    Yes, RG insurance is pretty much a waste of time. And this is a ludicrous clause at so many levels. I'd drop the policy....
    11-07-2020, 17:56 PM
  • Reply to Rent Guarantee Insurance
    by Beswick
    Contact an insurance broker and get their opinion. They should be quite knowledgeable, plus you've got the backup of their professional indemnity insurance and the Ombudsman if they sell you a policy that doesn't suit your needs.
    11-07-2020, 12:54 PM
  • Reply to Rent Guarantee Insurance
    by DPT57
    I think its one of the reasons why no experienced landlord I know takes out rent guarantee insurance
    11-07-2020, 12:42 PM
  • Insurance broker relationship
    by Stacker
    If the company is the freeholder called the principal and the directors called its agents. Could an insurance broker be called an agent of the company also and would the insurance broker owe fiduciary duties to the company?
    07-07-2020, 19:02 PM
  • Insurance premiums going through the roof
    by flyingfreehold
    Those seeking renewals of buildings policies will find that insurers are taking a much tougher line especially where there have been chunky losses and premia are rising dramatically

    A broker put it to me this way. In 2020 insurers have made negative income on its investments therefore...
    17-05-2020, 10:41 AM
  • Reply to Insurance premiums going through the roof
    by Section20z
    desamax,

    More likely there was a big claim and the renewal went up so the only way to get reasonable cover was to accept a high excess.
    You can ask for claims history but I doubt they would tell you it had been declined, they don't normally decline renewals,. Just put price up so...
    06-07-2020, 12:55 PM
  • Reply to Insurance premiums going through the roof
    by flyingfreehold
    I think the present insurers are perfectly reputable. I cant see that there is a way of ascertaining that the previous insurer declined. Companies are fickle and they do from time to time exit specific types of cover....
    06-07-2020, 08:53 AM
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