Blog

Sports Professional Insurance

November 28, 2012 Goldcrest InsuranceSports Club Insurance

At Goldcrest we are very proud of our ever growing books of business for Sports Professionals Insurance. We now have on our books, England footballers and England Rugby players. Premiership footballers insurance is very difficult to get the right cover for. There are plenty of companies out there who will just quote you as a sport professional but not recognise who you are. This is extremely important as you must have the correct cover otherwise you could end up with a hefty bill. For instance a footballer in his car, with a fellow professional i.e. a premiership top 4 player, if this player was injured and the driver was not insured properly, he would probably end up with a law suit against him against loss of earnings for his passenger. Read More

High Risk Liability Insurance for trades

November 26, 2012 Goldcrest InsuranceHigh Risk Liability Insurance

High risk liability insurance is becoming more and more difficult to get for those in a high risk trade. Not only is it getting harder to get, it can be hard to get a reasonable premium along with a decent cover to match. At Goldcrest we have many high risk insurance trades on our books and cover the following high risk insurances: Read More

Insuring your Block of Flats

November 12, 2012 Flat InsuranceGoldcrest Insurance

Living in a block of flats is the new chic way of living especially if you are a young single professional however this has not always been the case. Tower blocks were first built at the end of World War II as a quick fix to housing shortages caused by the bombing. They were generally built quickly but with poor designed. Today’s more modern version is called an apartment and are designed better with more character and features. Read More

Public Liability for Roofers Insurance

October 25, 2012 Goldcrest InsuranceHigh Risk Liability Insurance

Public liability insurance for roofing contractors falls under the category of a high risk trade. This is due to the heights that a roofer can work at and also the risk involving the use of heat. Liability insurance for roofers is a must for all in the trade.

To be classified as a roofer depends on the percentage of any roof works. Any roof work that is over 20 % of your annual turnover classifies you as a Roofer. If you under insure yourself and put yourself as a builder or maintenance man to save yourself money, then if you had to make a claim the insurers would find out exactly what you should be classified as and will deny your claim resulting in all you have paid in premiums becoming worthless and you could end up with nothing. Read More

Landlord Insurance Know How’s

October 23, 2012 Goldcrest InsuranceProperty Owners

So you are thinking of becoming a landlord? Great! Today unfortunately it is not quite as easy as putting an advertisement in the paper, finding tenants, then all done you start collecting the rent. Today there are a lot more legal issues involved, landlord insurance to pay and safety regulation guidelines that all need to be looked in to.

So why let out your property?
There are lots of different reasons for people to rent out a property. Sometimes people are traveling overseas so they rent out there home to give them income while abroad or sometimes properties are brought as real estate can be a good investment, another way to save towards retirement, as a higher earning savings scheme if brought right or as another stream of income. Read More

Insurance for the ‘Difficult to Insure’

October 20, 2012 Goldcrest Insurance

Do you have a difficult risk to cover that you cannot seem to get insured anywhere. At Goldcrest we love talking to our customers to find out as much as we can about the difficult insurances they have difficulty in placing. For instance home insurance for flood areas, high net car insurance which is cars with the value in excess of £150k, landlords insurance which includes cover for DSS tenants and HMO properties, fleet insurance for haulage vehicles where the tonnage can exceed 32 tonnes to name a few. Read More

Home Insurance in Flood Areas

October 17, 2012 Goldcrest InsuranceHigh Risk Liability Insurance

At Goldcrest Insurance we arrange home insurance for people all over the country. We rate people as individual risk and not as a bulk, like on line companies or direct insurers tend to do. This way we get to speak to the client, Google earth the home and take into consideration any good evidence they have to support that their property is free from flooding or has had any necessary works done to prevent further flooding. Using a specialist broker like us at Goldcrest who you can talk to and explain your personal circumstance is the way to go. Read More

Scaffolders Insurance what you need to know!

October 9, 2012 Goldcrest InsuranceHigh Risk Liability Insurance

We have a number of scaffolders come to us on a daily basis to be insured for either public liability insurance, employer’s liability insurance or for fleet insurance. There is no doubt about it, Scaffolding is a high risk trade and not many companies will cover it. At Goldcrest we have a good panel of insurers who will look at Liability insurance for Scaffolders which means we can offer competitive rates. Our rates cover the self-employed scaffolder as well as the large scaffold companies with big turnovers, which in turn increase the risks. Read More

More than one vehicle Fleet Motor Insurance

September 11, 2012 Commercial combines InsuranceFleet Vehicle InsuranceGoldcrest Insurance

When you have more than one vehicle to insurance the cost of insurance becomes expensive, especially if you are insuring each vehicle separately, however by having a fleet motor insurance policy even if you have a mixture of vehicles e.g. cars or vans to trucks or taxis you can save money by insuring them all together, and this applies to businesses as well as families. Read More

Cost Effective Landlords Insurance

September 3, 2012 Goldcrest InsuranceProperty Owners

A lot of Landlords insure their properties on an individual basis. This is not the best way and by doing this you are missing a trick in saving a few £££’s. If you have two or more properties, you should combine them together to form a portfolio. This way you will not only have one renewal date , but you will also have a bigger premium which will then give you much more clout to negotiate a discount. Read More