Blog

Contractors All Risk Insurance for Tradesmen

February 17, 2015 Commercial Insurance

A lot of tradesmen look at contractors all risk insurance as a real burden, purely due to the fact that it is more money coming out of there pocket for something they think they do not need. If you are reading this it is more than likely that someone has tipped you off about this sort of cover and that you do need to protect your company a bit more than what you think you did. Contractors all risk insurance covers you for your contract / cost of contract / public liability employer’s liability/ own plant / hired in plant, hired in plant charges / employees tools / site huts etc. Read More

Listed Buildings Insurance

February 10, 2015 Residential Insurance

Insuring a listed building is just like insuring any other property. The same questions are asked, the same underwriting applies, the only issue is the majority of underwriters are not keen on taking on this type of risk.

When a property dates back hundreds of years there could be plenty of minefields with the building. The foundations, the brick work the ground it was built upon the materials used etc. This is where specialist insurers come in to cover the eventuality of a claim. Read More

Insuring unoccupied & Vacant Property

February 2, 2015 Property Owners

There can be several reasons you may need to insure your property whilst unoccupied; it could be undergoing sale; going through probate; undergoing works or evening undergoing purchase – these reasons can leave you red in the face when searching for insurance quotations as insuring vacant properties can be extremely costly! Read More

HMO Mortgages

January 27, 2015 HMO Property Insurance

Even before you have come to us to get insurance for an HMO, you will have to obtain, unless you are a cash buyer a mortgage. Home of multiple occupancy mortgages are not easy to come across. There are at current less than ten providers out of 150 that will not provide a mortgage to a landlord that rents out HMO properties.

Whether it is an HMO student let insurance or a professional let insurance you require, the complication DOES NOT START THERE IT STARTS WITH OBTAINING THE FINANCE. It is very rare to find a mortgage that will cover the (home of multiple occupation status). Read More

HMO Property Let to Students

January 22, 2015 HMO Property Insurance

A keen eye in the property market may lead one to purchase accommodations located near universities, given that there will be a huge appetite for students to rent resulting in consistent enquiries for potential tenants.

Depending on the locale, you also hold the strings for potentially lucrative rentals too and as with most student let properties it’s always best to let on a HMO basis. Read More

Buildings Insurance for any Student Let property

January 13, 2015 HMO Property Insurance

We cover all areas for buildings insurance where properties are let to students. Our rates are extremely favourable and we believe our cover is the best you can get, with the majority of the risks we place being with an A rated insurer. Read More

House insurance for Child Minders

January 6, 2015 Residential Insurance

For those who are great with children, being a child minder is an prudent way for extra income whilst at home – getting the children to behave may be the easy or tricky part; getting your insurers to continue cover may be the hard part.

Many household insurers do not cover homes that are used for business purposes or if they do, the minimal trades they will cover will have to be clerical only. Read More

Student Let Properties and Building Insurance

December 31, 2014 HMO Property Insurance

Have you just purchased a property to rent out to students or do you have a let property which is rented to students and is due for renewal. If so we have the best insurance rates on the market for landlords who have student tenants.

Students let insurance can be very expensive with the majority of providers. At Goldcrest we have been providing this form of insurance for over 30 years and believe we have the best insurers and the best prices. Read More

Finding the Right Broker

December 24, 2014 Goldcrest Insurance

Using an insurance broker for clients is the preference to many clients up and down the country; with the benefit of human interaction oppose to comparison sites, call centres and automated renewals.

General feedback we receive is that clients prefer to speak to someone before having their money taken from them! Any questions or queries they may have about their policy or coverage cannot be answered immediately with any of the aforementioned, and sitting on hold to a switchboard or waiting weeks for an email reply does not necessarily feel like money well spent on a service. Read More

Rent to Rent buildings insurance

December 18, 2014 Property Owners

Getting into the property market can be a very prudent opportunity for monthly income, with many people now using this as an alternative income stream, pension fund, or simply a new career choice.

Property of course doesn’t come cheap as a new venture, with large deposits required in many cases – so the next best alternative is obtaining rent to rent properties, also known as subletting. Read More