It is anticipated that more than 1000 HMO applications will be sent in by the end of the year, after which a license will be needed for HMO’s in Bath. Landlords of Houses in Multiple Occupation (HMO’s) around Oldfield, Westmoreland, and parts of Widcombe will need an HMO license from the 01/01/2014. Read More
Fleet management for motor insurance fleet is becoming an ever important role for large companies. It has been researched that companies with poor claims management can pay up to 200% more on their fleet insurance policies. When you are looking at base premiums of £120k this works out to be a lot of money. In fact it can be so costly, it can result in that business being seriously reduced in size or folding. Read More
Insuring an HMO property is one of many procedures an HMO landlord has to do in order to get there property up and running.
Once you have converted all the rooms inside your HMO to regulation, the next step is to get your license. This doesn’t arrive free of charge, you have to approach your local council and pay for a license. There is a fee and the on top there is a fixed fee for each habitable room inside your HMO, which does not include your kitchen or bathroom or toilet or rooms that are too small i.e. utility rooms to be deemed habitable. Read More
Are you a HMO landlord, or an aspiring home of multiple occupation owner? Are you expecting various tenant types to occupy the property, such as DSS, Students, Guardians, recovering drug/drink addicts or even homeless people between hostels/housing? Or is your property a converted Hotel or Church; had subsidence or flooding history; or perhaps it’s a listed building? Read More
Our extremely large book of HMO businesses continues to grow. We are an active provider for all aspects of standard and non-standard let property insurance, for landlord/property owners up and down the country. So when the opportunity arose, Goldcrest decided it would be prudent to team up with HMO Safe to hold us in even better competition. Read More
Mini fleet insurance is a new policy that caters for smaller businesses as a tool to place their vehicles onto what is much like a fleet policy but a smaller version.
A mini fleet policy will usually be between 1 and 17 vehicles to be insured. We have many mini fleet policies set up and the type of companies range from manufacturers to waste companies. I.e. insurance for waste companies can be tough to place purely because of the trade. We can place this type of business on mini fleet with only 2 vehicles. Read More
At Goldcrest we have built up over the years a fantastic panel of insurers who help us with obtaining the most competitive rates and best policy wording for all tenant types from homeless to professionals. We are able to quote on any sum insured and any building type . We have 1000’s of landlords on our books who happily renew every year, as they are assured they are being well looked after, not only on the service we provide but also on premiums. Read More
Having an HMO (home of multiple occupancy) is becoming a popular trend. 10 years back it was no where near as popular as it is today. Yes there is an HMO license you need to get from the council and regulations to adhere to like any other landlord, but the bottom line is a lot more favorable than a standard single family professional let.
There is one slipping point sometimes and that can be the insurance. HMO insurance or home of multiple occupancy insurance, is tough to find as a lot of underwriters do not like taking it on, as there is an increased risk of claims by so many individuals living in the home. Read More
Having an HMO is becoming a popular trend. 10 years back it was nowhere near as popular as it is today. Yes there is an HMO license you need to get form the council and regulations to adhere to like any other landlord, but the bottom line is a lot more favorable than a standard single family professional let.
There is one slipping point sometimes and that can be the insurance. HMO insurance or home of multiple occupancy insurance, is tough to find as a lot of underwriters do not like taking it on, as there is an increased risk of claim by so many individuals living in the home. Read More
Looking for insurance for a 44 tonne truck insurance or a 32 tonne grab lorry! At Goldcrest we have just obtained some excellent insurance rates for any commercial vehicle 7.5 tonne plus. We have a lot of waste companies coming to us who use HGV’s all the time. Whether it be 1 vehicle or 50 vehicles we have the best insurers to cover the risk. Read More
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