Blog

Adult or Sex Shop Insurance

April 21, 2014 Public Liability Insurance

Do you own or run an adult retailer? Are you finding it hard to find the relevant insurance for you? After chatting with several of our clients in this industry, they explained how “frustrating” it was trying to find insurance for their business, as their trade falls slightly out of the “norm”, until they found Goldcrest.

Whether you retail or wholesale Adult goods from a shop or online, we can assist you with the arrangement of your insurances with all the general coverage: Public Liability, Stock, Contents, Business Interruption, etc. – with no fuss. Read More

Case Studies – How we help our clients

April 17, 2014 Goldcrest Insurance

At Goldcrest, we’re not a one trick pony, though we have specialist areas in the insurance field, we’ve been established and going strong for the past 40 odd years, assisting clients in several areas.

But we appreciate, seeing is believing, so what better way to convince you to come on board than giving a few cases studies we’ve carried out in the past week: Read More

Public Liability for New Ventures in High Risk Trades

April 15, 2014 Public Liability Insurance

Breaking away from a large contractor to start up your own business is an admirable risk for those who want to work for themselves. Many tradesmen build up the knowledge and experience of their respective trade and feel it’s time to test themselves by setting up their own ventures.

This commendable feat does not come without its risks; you need to ensure you can obtain an independent work flow; managing your finances; obtain the tools and plant you will need to work and once this is in place, you then need to confirm you can obtain the relevant Public Liability insurance so that you are covered to carry out your works. Read More

Mini Fleet for young drivers

April 10, 2014 Fleet Vehicle Insurance

Young entrepreneurs need to get about and having the use of a company vehicle can be imperative to the success of any new business. One big expenditure young business owner tend to have is the insurance of their company vehicles.

We specialise in the arrangement of insurances for small, medium and large businesses, from 2 vehicle fleets to 200 vehicle fleets. It’s not cheap by any stretch of the imagination, but it doesn’t have to be extortionate – here are a few tips when looking to get a quotation from us. Read More

Does your HMO property need a licence?

April 8, 2014 HMO Property Insurance

So, given that you’re on our website, you’re being very efficient and looking into the insurances for HMO properties – if you’re thinking of buying a HMO or converting your existing property into a HMO, sourcing the insurance is the easy part – as we take all the stress out of that for you, and obtain comprehensive immediate quotations.

Before your insurance, you’ll need to consider if you property requires a HMO licence. You’ll need to contact your council for a licence to rent out your property as a house in multiple occupation (HMO) in England or Wales. Read More

Insuring your HMO properties for the right price

April 3, 2014 HMO Property Insurance

Many insurance providers claim they can insure multi tenanted properties, more specifically HMO properties; however what they do to accommodate them on their schemes is quote them as bedsits! By doing this you end up paying more than you would need to.

Bedsits are a higher risk for insurers than HMO’s, mainly due to the cooking exposure in the rooms, and also the short term in which the tenants are in the rooms for, as bedsits tend to be used on a very short term basis. Whereas HMO’s generally have communal kitchen areas, which means only one area in which any cooking takes place reducing the potential fire risks of a bedsit, and in most cases are let on normal AST’s. Read More

What you should know about HMO Property Insurance

March 31, 2014 HMO Property Insurance

Insurance for houses in multiple occupation … HMO Insurance … Students… DSS tenants .. Homeless …. Unoccupied whilst building works take place … Mixture so tenant type … Shared facilities … Designated cooking areas ….

Now does this read well for insurers! Are insurers going to look at the make up above and think, Great risks. This will run well let’s quote ! Read More

So why take out a Mini-Fleet Insurance Policy?

March 27, 2014 Fleet Vehicle Insurance

What is a mini fleet insurance policy?

What classifies as a mini fleet ?

These are a great set of questions and a set of questions any SME must ask themselves before they take out a mini fleet insurance. Read More

Let property insurance for local authority tenants

March 24, 2014 HMO Property Insurance

If you own a property with a number of rent-able rooms, we understand that it can be financially prudent or even more convenient to let the property to the local authority, housing association, local government or even a charity.

Rental agreements such as this are becoming ever more frequent in the HMO/multi let property market, and though it takes the strain and stress out of finding a tenant for each rent-able room, this stress is then passed on to finding an appropriate insurance policy for your property. Read More

Multi-tenancy Let Property Insurance

March 20, 2014 HMO Property Insurance

Do you let your property on more than one tenancy agreement, and finding it hard to get the relevant/competitive insurance policy?

A lot of the time when you look for let property insurance, if you let your property to more than one tenancy agreement, you have to go out of your way to advise the relevant insurer, rather than being asked as part of protocol, which is where the complications arise. Read More