Land Insurance

It may not be the most common of policies, but land insurance is essential for people who are worried about the potential financial risks of being a land owner. "What's the risk?" I hear you ask. Well if you own a field or a private road then a member of public may injure themselves while walking through your land. Even if the land is private property, you may still be liable for any injury caused to a third party.

The most common example of land insurance is where people live down a private road. Normally all the residents will get together to form an association and collectively seek an insurance policy to cover the road. Ashburnham Insurance have a special residents association insurance scheme for these people which not only includes the standard liability cover but also employers liability, legal expenses and even material damage to general items such as street lights and walls.

Land insurance is not restricted to just private roads. It can also cover fields, lakes, streams and other different types of land. This cover is only available for land in Great Britain and can cover public liability up to £5,000,000 (although if a higher amount is required then this may be possible depending on the circumstances).

Malicious Damage by Tenant

One common problem with landlord insurance policies is cover for malicious damage by the tenant. Landlords will often assume it is covered until they come to claim and find out it is not standard with most insurers. Thankfully here at Ashburnham Insurance, most of our insurers include Malicious Damage by the tenant as standard.

What is Malicious Damage by the Tenant cover?

Simply speaking, it is damage to your property caused by your tenant that was not classed as accidental. Examples of which could be your tenant purposely smashing windows or kicking holes in doors.

Am I Covered for Malicious Damage?

Almost every landlord insurance company will provide you with cover for malicious damage but most will then go on to exclude any malicious damage by the tenant. Ensure you read the policy wording carefully to see if you have adequate cover.

Do I Have to Pay Extra for Malicious Damage by the Tenant?

At the time of writing, Ashburnham Insurance deal with 8 leading UK landlord insurance companies and 7 of these include Malicious Damage by the Tenant cover in their standard policy at no extra cost.

Why Don't Other Companies Have This Cover?

Well we can't answer that question. All we can say is that most companies don't provide the cover yet it is one of the most common types of claim on a landlord insurance policy. We would always encourage a landlord to have this cover even if you think you tenant would never do anything like that to your property because it does happen. Thankfully, we can give you this cover as standard with most of our insurers.

Are you concerned about your carbon footprint?

I'm sure it's something most of us have dismissed to date or have done very little about. It's that every prominent word in our day to day life being our "Carbon Footprint". Energy bills are rocketing mainly due to ever increasing gas and oil prices and thoughts are now swinging towards what we can do to keep them down.

Our carbon footprint is the theoretical damage we (as an individual or household) are doing to the environment and we can lower or cancel this out by recycling and various other energy saving methods. This in practice will also help our energy bills due to less household consumption.

"What can we do?", I hear you say. Well it's all pretty obvious but the main two things are to turn off the heating when your not in the house (and off completely in the summer except for your hot water) and turn off appliances when not in use (that means turning off completely and not just putting in a standby mode).

More and more people are looking at what they can do. An interesting article on money.co.uk goes into more detail and is well worth a read. It is also something businesses are getting involved in so don't be surprised if you find yourself managing your carbon footprint 24/7.

Instant Online Quotes

Ashburnham Insurance are known as UK specialists for instant online Landlord Insurance and Public Liability Insurance but did you know we also offer different insurance quotes? A wide range of insurance policies are available including car insurance, home insurance, commercial property insurance and business cover.

We are highly experienced in all these areas and more so whatever your insurance requirements, give us a try. Prices are always competitive and as a broker we will be searching a wide panel of insurers to find the best possible deal.

If you have any special requirements then we can help. Speciality or custom made policies can be catered for. Obviously there is no guarantee we can cover everything but we have a great relationship with our insurers and consequently have negotiated flexible packages that suit the customers requirements.

Employers Liability Insurance

Employers liability insurance is not easy to obtain. There are so many factors which can decide your insurance quote and you may find this a long and tedious process. How many of these? How much of that? Thankfully not all companies are like this.

We have found an easy employers liability insurance quote solution to save you time and effort. Experience in dealing with single tradesmen up to large nationwide companies means a wealth of experience to what business insurance policies require. This coupled with low cost premiums means this is surely an offer not to be missed.

A single page form that takes a matter of minutes to complete and gives you an instant quotation for your trade including public and employers liability insurance along with tools cover and any other extras that you may need. Don't just take our word for it, go and get a quote!!!

World War 2 Bomb at Olympics Site

An unexploded bomb from World War 2 was found in East London following work to clear a site for the 2012 Olympic Games. A safety zone was created which caused severe disruptions to rail links nearby. Also flights out of City Airport and Heathrow were changed due to the flight path going over the bomb location.

Bomb disposal units were called in and initiated a controlled explosion on the 1,000kg bomb, the largest WWII device to be found in 30 years. The finding has caused worry among future Olympic travellers to the country but it should be known that it is very rare that such bombs explode without force but if found then care should be taken and the appropriate expects should be contacted.

Landlord Advice

As a landlord you will want the best advice on all aspects of your let property. If you have friends or family who are also landlords then they can be a great source of information, especially if you are a new landlord on a buy-to-let venture. If you don't have this benefit then the internet is your first point of call.

There are many valuable information sites out there especially for landlord insurance. The insurance sites will give you advice on what cover you should expect to receive along with examples of claims and other such related issues. You will normally be able to find details of places to get the best quotes at the touch of a button.

For information about tenants, rent, property in general and other aspects of your landlords lifestyle then there are many a forum out there to answer those questions. Experienced landlords are always the best people to ask as they have the knowledge and forums are the place to find them. Never be afraid to ask questions as every landlord has been a novice landlord as some point.