A landlord we know well let a room sit empty for six weeks while waiting on a licence renewal. No harm done, or so it seemed, until a pipe burst in the flat above and flooded two rooms below. The insurer asked one question first: how long had the property been unoccupied? The answer fell outside the policy’s terms, and the claim was refused. Read More
Most people searching for cover on an empty property type something like “empty house insurance” or “vacant property insurance” into Google. The terms feel interchangeable, and in everyday conversation they are. In insurance, they carry different meanings, and describing your situation incorrectly can result in a claim being refused at the exact moment you need it paid.
Standard home insurance and landlord insurance both impose strict limits on how long a property can sit empty. After 30 days in most cases, and 60 in some, cover reduces or lapses altogether. Many owners find this out only after something goes wrong. Read More
Picture the scene. A Ferrari 296 GTB is pulling off the A406 when another driver clips the rear quarter. The damage looks modest. The carbon monocoque does not agree. Within days, the owner is being asked how the car should be valued, who should inspect it, and whether the settlement they are being offered bears any resemblance to what they paid.
This is the moment most owners discover an uncomfortable truth. Standard motor insurance is built for standard cars. When a £500,000 vehicle is written off, the process is slower, more technical, and far more consequential than a typical claim. The difference between the right policy and the wrong one can run into hundreds of thousands of pounds. Read More
On 1 May 2026, the most widely used tool in a landlord’s legal kit will disappear. For more than three decades, Section 21 of the Housing Act 1988 has allowed landlords in England to end a tenancy without giving a reason. From that date, it is gone.
Every existing assured shorthold tenancy automatically becomes a periodic assured tenancy. The only route to possession becomes Section 8, which requires landlords to prove a specific legal ground in court. Read More
Imagine this: A landlord owns a beautifully refurbished Victorian terrace in Barnes. The building has been insured at the same figure for three years, auto-renewed each time without a second thought. Then a kitchen fire causes £70,000 of damage. The insurer assesses the claim, applies the average clause, and the payout falls significantly short. The gap comes straight out of the landlord’s pocket.
This is not a rare edge case. It is a pattern that plays out across London every year, and it is entirely avoidable. Read More
Owning a luxury car collection is about far more than transport.
It is a reflection of passion, heritage and investment, whether your garage houses modern performance vehicles, rare classics, or a carefully curated mix of both.
From limited-edition supercars to vintage models with decades of history, each vehicle represents significant financial and emotional value, and insuring them properly is essential. Read More
For many landlords, insurance feels like a safety net… something you hope never to use, but trust will be there if things go wrong. Yet one of the most common frustrations property owners face is having a landlord insurance claim denied, often at the very moment protection is needed most. Read More
Barnet’s appeal in 2026 is driven by its excellent commuter links to Central London, making it ideal for professionals. The area boasts some of the best schools North London has to offer, attracting families seeking quality education combined with the charm of plentiful green spaces and a community-oriented lifestyle.
Despite recent small dips in house prices, Barnet has shown resilience, with property sales volumes up year-on-year, and many forecasts painting an optimistic picture for a strong rebound in the coming year. Read More
Short answer: yes, Houses in Multiple Occupation can still outperform standard buy‑to‑lets in 2025, but only for investors who price compliance, management and running costs accurately. Average HMO yields continue to sit towards the top of the table in many locations, while demand for affordable rooms remains resilient. The trade‑off is tighter regulation, higher operating costs for “bills‑included” models and planning constraints in many towns and cities.
This guide sets out what has changed, what to check before you buy or convert, and how insurers view HMOs in 2025. Read More
National Insurance is moving up the agenda again in 2025. Some changes have already taken effect, and others are being talked about for the November Budget. For property developers, these shifts matter because they feed straight into project viability, tender pricing, labour strategy and, in some cases, how group structures are set up.
This article explains the confirmed changes in 2025, what is being proposed next, and how both could affect UK property developers. Where relevant, we will link to authoritative UK sources. Read More
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