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Landlord Emergency Cover
Recommendations & Reviews
95 recommendations and reviews from 8 people
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Referral from
September 10, 2015
Rebecca D. asked:Hi Guys, Does anyone have any good insurance brokers they can recommend? Thanks, RebeccaJuswant R. replied:Give John Cox a shout .. he does all our stuff :) on 01494 719980
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Referral from
August 4, 2015
Marta S. asked:Looking for a good insurance broker who can organise package insurance tailored to our business, mostly public liability, but also something that will cover any other aspects I can't even think of ;) we've been renovating our own properties, but now we will be also project managing for other investors. I need some comprehensive cover. Thanks.Kevin W. replied:John Cox Insurance Desk 01494 719980 Here is their website too http://www.insurance-desk.com/
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Referral from
August 3, 2015
Muz M. asked:Hi all, I'm about to complete my first buy to let, this Tuesday and wanted some advice on insurance. I know I NEED buildings insurance but do I also need landlord insurance? I am letting the place unfurnished if that makes a difference. Can I lump the two together? Any advice would be greatly appreciated...Sue S. replied:Talk to John Cox. He is a member on here and runs a big insurance business. Insurance Desk Services. 01494 719980. His people will advise you. Landlord insurance very helpful when there are non-buildings things which happen. Buildings insurance (like Moneysupermarket etc) are for owner-occupiers in the main. Check out what they do NOT cover like cover when works being done, voids, malicious damage by tenant etc.John C. replied:thanks for the Tag Sue and yes we can help and advise Muz A Murray - either send over your details or call me office on 01494 719980 and Jackie, Bronny or Richard can help .... www.insurance-desk.com thanks in advance ;-)
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Referral from
July 23, 2015
Alison H. asked:any recommendations for who to use for landlords building insurance please? cheersSue M. replied:Can recommend John Cox at Insurance Desk 01494 719980, he also runs the Bucks Property meet :)
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Referral from
July 22, 2015
Fiona H. asked:Hi everyone, any recommendations for landlord insurance (single let)? Thank youSue S. replied:Talk to John Cox. He is a member on here and principal at Insurance Desk Services. 01494 719980.John C. replied:thanks Sue for tag and yes Fiona Higgins - be delighted to help out ;-) Either pm me your details or call the team as Sue has mentioned on 01494 719980 www.insurance-desk.com
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Referral from
April 12, 2015
Pete W. asked:Hi. Can anyone recommend good insurance company's for HMO, any good or bad experiences etc… thank you.Sue S. replied:John Cox, Insurance Desk SErvices. 01494 719980.John C. replied:Thanks Sue for the tag ...hi Pete happy to help we have access to most markets and can advise you according .... We look after a number of members in this group have have a great track record with claims; -) PM me or call Jackie, Bronny or Richard in my office 01494 719980 www.insurance-desk.com
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Referral from
November 25, 2014
Michael H. asked:Hi all, Just building up a list of contacts. Does anyone recommend any HMO insurance companies? Thanks, MikeSteve L. replied:Give the lovely ladies at Insurance-Desk Serices a call 01494 719980 www.insurance-desk.com/
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Referral from
August 8, 2014
Sara G. asked:Has anyone found a good source for buildings insurance? Our premiums, despite no claims, have gone up by 20% this year. We have got loads of time to shop around so any pointers would be good. ThanksSue S. replied:John Cox - Insurance Desk Services - 01494 719980.John C. replied:Thanks Sue and Matt and happy to help ...access to many carriers so can offer advice - either pm me or call 01494 719980 ;+)
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Referral from
March 4, 2014
James B. asked:Anyone got any good suggestions for Landlord insurance? Got a renewal due and it seems a bit steep! Thanks guysSue S. replied:John Cox - insurance Desk Services - 01494 719980.John C. replied:Thanks Sue & Philomena Connelly for the tag . James happy to help in anyway ...whilst we all know cost is a factor ...cover is equally important with cover like malicious damage by tenants ..cannabis farms and the list goes on. Www.Insurance-Desk.com or office is on 01494719980 Jackie or Bronny will help or pm me
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Referral from
November 15, 2013
Dan F. asked:What are people's average insurance costs for a 6/7 bed high end HMO? Also happy for recommendations?? Thanks allNina H. replied:I recently renewed with Insurance Desk Services 01494 719980- Bronny was extremely helpful. or if you are part of the LNPG and have more than 3 properties ( that was the minimum when I spoke to them last year) they might be able to help
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Referral from
August 30, 2015
Nilesh R. asked:Any recommendations for a comprehensive landlord insurance policy and specific points to take care around this area? Do you also suggest taking out any boiler care plan etc? First time landlord so looking for some help on what all should be in place to run a good BTL business. Thanks in advance.Sue S. replied:Talk to John Cox - Insurance Desk Services - 01494 719980. He is a member on here.
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Referral from
August 21, 2015
Louise S. asked:Hi all. I'm in need of some buildings insurance for a house I'm going to let to Serco. Serco will be letting the property to asylum seekers probably on a HMO basis. My normal LL insurance broker doesn't do cover for this type of let. Can anyone recommend a broker who will do cover for buildings insurance on this basis please? Thank you.Sue S. replied:Have you asked John Cox at Insurance Desk Services? He is a member on here. 01494 719980.
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Referral from
July 27, 2015
Teli M. asked:Hello All, Received policy from Directline Landlord's insurance but appears to have lots of exclusions and exceptions. Can someone share experience of Directline or recommend any good insurer for Buildings and contents insurance for residential lettings. Thank you.Sue S. replied:Talk to John Cox. Insurance Desk Services. 01494 719980.
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Referral from
July 16, 2015
James C. asked:Hi, can anyone recommend a good broker or company that does professional indemnity insurance at a competitive price please.Sue S. replied:Tak to John Cox, a member here. Insurance Desk Services. 01494 719980.
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Referral from
July 4, 2015
Jeff L. asked:Hi Everyone, can you recommend a cheap buy to let insurance company ?Sue S. replied:I'd rather have a good BTL insurance company, but try John Cox at Insurance Desk Services, 01494 719980.
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Referral from
July 2, 2015
Katy R. asked:Landlord insurance recommendation please.....for a purpose built flat? Already have buildings covered in my service charges. ThanksSue S. replied:John Cox, Insurance Desk Services, and a member on here. 01494 719980.
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Referral from
July 1, 2015
Dale W. asked:Evening , Can anyone recommend a decent business insurance broker ? Much appreciated :-)Sue S. replied:John Cox - Insurance Desk Services and a member of the Group. 01494 719980.
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Referral from
June 27, 2015
Martin W. asked:Has anyone got any advice on who to use for Professional Indemnity Insurance?Sue S. replied:John Cox, Insurance Desk Services. 01494 719980.
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Referral from
June 11, 2015
Andrew M. asked:Does any one know a reasonable buy to let buildings insurers? I have found a quote for my three bed terrace house for £385 including accidental damage, does that sound pretty fair? Any sugestions?Sue S. replied:John Cox, Insurance Desk Services - 01494 719980.
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Referral from
May 22, 2015
Ajay S. asked:Hi all I've used British Gas for landlord emergency cover for properties and it's been a comprehensive cover covering plumbing and boiler. However the length of time for appointments has increased so was wondering if anyone can suggest a good home emergency landlord cover that's worked well for them?Sue S. replied:Talk to John Cox at Insurance Desk Services. 01494 719980.
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Referral from
May 10, 2015
Wayne J. asked:Afternoon All, I need to insure a property that has a tenant in it with rent arrears that I am taking through the eviction process. It appears that my current insurer is unhappy about this, and so we have decided to go our separate ways. Does anyone know of any insurance companies that will provide a quote under these circumstances? ThanksSue S. replied:Talk to John Cox - Insurance Desk Service - 01494 719980.
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Referral from
May 7, 2015
James K. asked:Hello all, Sort or property, sort of not, but I know there are lots of financial people within this group Looking for event insurance with 10m worth of public liability. If anyone can help with a quote please can you send me a message ? ThanksSue S. replied:Try John Cox - Principal of Insurance Desk Services. 01494 719980.
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Referral from
April 27, 2015
Paul J. asked:Hi all. We have just exchanged on a HMO, looking to complete in around a weeks time. What kind of insurance is required? Assume I will need buildings insurance. Anything else I should be obtaining? With buildings insurance, does it have to be a specialist HMO-type?Sue S. replied:Talk to John Cox, Insurance Desk Services. 01494 719980.
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Referral from
April 20, 2015
Ian M. asked:I would welcome recommendations for insurance suitable for use during a refurbishment. My aim is to refurb and sell, hopefully all between 4-6 monthsSue S. replied:Talk to John Cox. Insurance Desk Services 01494 719980.
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Referral from
March 24, 2015
Paul H. asked:Could you please recommend a reasonably priced insurance company that covers a 4 bed multi- let.Sue S. replied:Talk to John Cox - insurance Desk Services - 01494 719980. He is a landlord.
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Referral from
February 25, 2015
Christopher F. asked:Can any one recommend if it is worth while getting contents insurance on a high end professional HMO or not? Your advice would be much appreciated.Sue S. replied:Of COURSE if you have furnished it, but you will need a specialist policy. Talk to John Cox who is a property investor himself. 01494 719980. He is a member on here but I cannot seem to tag him for some reason.
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Referral from
December 24, 2014
Michael Z. asked:Hi Everyone, My landlord insurance will run out at the beginning of January. I've been with just landlords for a few years now, never had to claim but the price hasn't decreased much either. Any recommendations for landlord insurance in terms of value, ease of claiming and cover? Also if I decided to buy a leasehold flat what additional cover do I need if rented out to a tenant? I understand freeholders are liable to pay for the insurance of the building. ThanksSue S. replied:Talk to Matt or to John Cox (Insurance Desk Services, 01494 719980, and a member on here).
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Referral from
December 7, 2014
Paul B. asked:Insurance premiums have gone up..! Despite selling one of ' issue' properties and hoping premiums might drop they've risen about £600 to £3100. Which , given rebuild values haven't done much in 7 years is a bit steep.. Can anyone recommend a good alternative insurance company ??? Thanks PaulSue S. replied:Alternative to what? Speak to John Cox - Insurance Desk Services - 01494 719980.
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Referral from
November 24, 2014
Susannah C. asked:OK, one for the geeks to answer. Property Insurance. Help me out please with your thoughts. I am interested not simply in best price - though please do put insurance recommendations below on price - saw that LNPG has great insurance prices for example. I am also interested in making sure I have the best 'quality' cover available. So I am moving from looking at insurance on price to value. I have a sizeable (mainly HMO) portfolio these days and it would be a real pain if ever something happened, to not have been insured with a fast reacting, decent insurance company. My question is more - what in your opinion MUST be in the insurance package, what areas should and must be covered, that possibly lower priced insurers take out, what trip ups are there that we should definitely make sure are not there, and which insurance companies would you recommend and why? FYI I have never claimed on my insurance and intend to never do so. Just want the best cover should the sky fall in on a house, so life is easy...Sue S. replied:John Cox is the broker of choice for a large number of landlords. He is a prolific investor himself. For instance, he offers policies for R2R, for houses undergoing work, etc etc. Insurance Desk Services 01494 719980 but I have tagged him since he is a member here too.
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Referral from
October 27, 2014
Fiona B. asked:Hello. Can anyone tell me which insurance company to use for contents and building on a rental property which at present houses a family on benefits from council? Thank youSue S. replied:Talk to our own John Cox - Insurance Desk Services. 01494 719980.
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Referral from
July 28, 2014
Danko P. asked:Hi guys, anyone know some building insurer which allows subletting?Sue S. replied:Talk to John Cox. Insurance Desk Services - 01494 719980.
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Referral from
July 16, 2014
Tom D. asked:Anyone got experience of getting insurance for slightly 'deeper' refurbishment jobs? I've got a shop that I'm converting into two flats but as part of the job we'll be taking down the front wall and rebuilding, and then relaying the roof. It will probably take about 6 months for the building works, and 12 months including all the planning. The cheapest quote I can get at the moment for buildings insurance is £800 for the year. Anyone know of any good firms or brokers that are worth checking out?Sue S. replied:Try John Cox - Insurance Desk Services - 01494 719980.
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Referral from
July 11, 2014
Katerina R. asked:Hi All, a quick question. Can anyone recommend a good landlord's insurance? Thanks.Sue S. replied:Talk to "Mr Insurance" - John Cox. Insurance Desk Services - 01494 719980.
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Referral from
April 11, 2014
Tina J. asked:Hi all .. I have a friend who has just converted their flat (home) into tourist accommodation but can't find an insurer for public liability as underneath is her hairdressing salon. Does anyone here know of anyone who can help? Many thanks :DSue S. replied:If anyone can, John Cox can! Insurance Desk Services, 01494 719980.
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Referral from
April 1, 2014
Pete L. asked:Any recommendations for Buildings insurance for a property that is unoccupied for 2 to 3 months whilst undergoing complete renovation. Structure is sound and water tight.
Sue S. replied:Talk to John Cox - Insurance Desk Services - 01494 719980.
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Referral from
March 5, 2014
ÁIun T. asked:Just about to complete on a property that has already been converted into 6x 2 bed flats. Looking for any recommendations people have for building insurance so we can be covered from the off. Any advice would be appreciated. Thanks in advance.Sue S. replied:John Cox - Insurance Desk Services 01494 719980
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Referral from
January 24, 2014
Chris M. asked:Has anyone got John Cox (insurance) contact details please? ThanksSue S. replied:He is on here John Cox or 01494 719980.
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Referral from
June 16, 2013
Denise W. asked:Can anyone please point me The direction of a insurance company that does buildings insurance for a leasehold flat where I have to do the demise property separately. I know Ocasa does this but they only do it for professional tenants and mine are on BenefitsSue S. replied:I'd recommend John Cox and Insurance Desk Services. 01494 719980.
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Referral from
August 27, 2015
Louise S. asked:Hi all. I'm in need of some buildings insurance for a house I'm going to let to Serco. Serco will be letting the property to asylum seekers probably on a HMO basis. My normal LL insurance broker doesn't do cover for this type of let. Can anyone recommend a broker who will do cover for buildings insurance on this basis please? Thank you.John C. replied:Thanks for the tag Ash - Louise happy to help either pm your contact details over and i can get Jackie / Richard or Bronny to call you or they can be reached on 01494 719980 - www.insurance-desk.com ;-) He have landlords who have properties used as emergency accommodation - so i am sure this will not cause too many issues.
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Referral from
August 14, 2015
Tyson A. asked:Hi guys, am looking to renew the insurance for my property portfolio. Can anyine reccommend any companies? Thanks in advanceJohn C. replied:Thanks Sue for the tag - Hi Tyson Fayaz Ali - we would be delighted to help and have access to the markets along with out own scheme which has excellent cover. Either pm me your details so i can get Jackie, Bronny or Richard to call you or contact them direct on 01494 719980 - www.insurance-desk.com
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Referral from
June 20, 2015
Elaine M. asked:Hi - whats the best insurance about at the moment for landlords. Portfolio due to renewal and would like to get a few quotes. Many thanks.John C. replied:Thanks for the tag Mark I'Anson - Hi Elaine Millhouse - we can certainly help check the markets for you - as much as cost is important - cover is more important as well. Happy to provide you some options - either PM me your details or you can call my office and speak with Richard / Bronny / Jackie on 01494 719980 www.insurance-desk.com
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Referral from
May 15, 2015
Kevin F. asked:Hi all, I have an empty property for which I need short term insurance for. Can anyone suggest a broker / agent that would be able arrange a suitable product. Thanks KevinJohn C. replied:Thanks for the tag Lynne Davis ... Happy to help Kevin ..either pm me or call Jackie, Bronny or Richard on 01494 719980 www.insurance-desk.com
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Referral from
May 7, 2015
Andy W. asked:Can anyone recommend economical empty property insurance? Need it for a couple of months while a sale is going through. ThanksJohn C. replied:Thanks Sue ...hi Andy happy to help we can call you if you PM us or our office is 01494 719980 Jackie, Bronny or Richard. Www.insurance-desk.com
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Referral from
April 15, 2015
Robert N. asked:Can any reccomend an insurance broker for my HMOs It's currently underwritten by Towergate via a broker I currently have 3 HMOs each split into 4 flats/ bedsits/ studios I just received my renewal notice today for the 24th April when I'm away in Holiday so arranging it this week would be beneficialJohn C. replied:Thanks for the tag Lisa Orme ...Robert happy to help either pm me your details or call Jackie in my office 01494 719980 thanks
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Referral from
April 8, 2015
Avijeet J. asked:I need a HMO Landlord insurance. I am not able to see anything useful online. Any recommendations please ?John C. replied:Avijeet Jayashekhar happy to help. My office just placed a portfolio of 60 properties on risk today so they are seemingly getting good results ...Speak with Jackie , Bronny or Richard 01494 719980 www.insurance-desk.com thanks for the tag Sue ;-) or pm me your details and I can get office to call you ;-)
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Referral from
April 7, 2015
Christine Y. asked:Can anyone recommend some good, comprehensive HMO insurance that is reasonable too?John C. replied:Christine happy to help either pm me your details or Jackie,Bronny or Richard can help in my office ..we have access to many markets 01494 719980 www.insurance-desk.com Thanks for the tag Sue ;-)
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Referral from
April 3, 2015
Steve N. asked:Hi all. Can anyone recommend a company that does public liability, employers liability and public indemnity insuranceJohn C. replied:Steve happy to help, got access to several markets ...thanks for the tags Steve & Neil .. www.insurance-desk.com 01494 719980
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Referral from
March 13, 2015
Adrian T. asked:Renovation Insurance. Any recommendations please?John C. replied:Hi Adrian - firstly thanks or the tags Sue & Andy ....be delighted to help - either pm me your contact details or my office is on 01494 719980 Jackie, Bronny or Richard can help - www.insurance-desk.com
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Referral from
March 8, 2015
Heather M. asked:I have a couple of bmv deals sourced but need professional indemnity insurance before I can sell them on. I can't really find a suitable website for this kind of thing. Suggestions welcome...John C. replied:Hi Heather McShannon - yes be delighted to help - Jackie / Bronny in my office can help 01494 719980 www.insurance-desk.com - thanks for the TAG Mark I'Anson ;-)
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Referral from
February 12, 2015
Nic D. asked:** Landlord Insurance ** All - we are just reviewing our insurance providers and were wondering if anyone had recommendations for good / reasonable landlord insurance cover for their BTL's? Thanks as always, NicJohn C. replied:Happy to help where possible ...away at present but Jackie / Bronny ... 01494 719980 www.insurance-desk.com
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Referral from
February 10, 2015
Kimberley W. asked:Just about to complete on a 7bed HMO with rent reliance as the lender, can anyone recommend any good HMO insurance that has been tried and tested? Thank you!John C. replied:Thanks for the tag Sue Maxwell Smith. Catching up on tags today as been at a property meet and tomorrow or rather later today is looking manic. Yes happy to help Kimberley Strethill-Wright - either pm me your details or my office Bronny, Jackie or Richard can be called on 01494 719980 www.insurance-desk.com They will be able to help and typical HMO's are priced the same with some of the carriers we would go to - typically the ones with cooking facilities in the rooms can limit our choice or market, like some used for emergency accommodation ... but happy to help. Jeremy Wormington - likewise happy to help in any way we can. thanks
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Referral from
February 6, 2015
Tommy I. asked:Morning all - Can anyone recommend someone who specialises in building insurance on a portfolio? Many thanks in advance.John C. replied:Thanks for the tag Lindsay - yes always happy to help - either PM us your contact details Tommy or contact Jackie, Richard or Bronny on 01494 719980 info@insurance-desk.com www.insurance-desk.com
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Referral from
January 13, 2015
Jayne C. asked:Hi everyone, I am looking to review one of my portfolios insurance policies as renewal price 60% higher than last year. Could anyone recommend a broker at all? ThanksJohn C. replied:Hi Jayne Colgrave - be more than happy to help - just PM me your details or you can call my office on 01494 719980 www.insurance-desk.com - thanks for the tag Owais Naveed
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Referral from
December 13, 2014
Wendy C. asked:Help please. I lost all my phone contacts and I had an insurance guy from this group specialising in HMO'S if your here on the site please PM me again Kind Regards.John C. replied:Wendy happy to help - either PM me your details or call Jackie / Bronny 01494 719980 www.insurance-desk.com got many markets for HMO's - thanks for tag Ash ;-)
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Referral from
October 28, 2014
Tariq M. asked:Boiler Repair Monthly Insurance Policy......(NOT British Gas) Does Anyone use a reliable National chain for their Boiler cover NOT BG! BG are completely useless and fail to diagnose the simplest of faults. They took over 11 callouts to diagnoseand then sort out a mainboard. When they get stuck , their 'usual' line is "Sorry mate you have some sludge in your system" (even when there's not any). "You'll need US to do a Powerflush at the canny price of £750+Vat!!" I then got a local plumber to do one for £150 and BG refused saying it had to be from them. TOTAL SCAMMERS Keep well AWAY. Anyway rant over is the a good National Maintenance co anyone uses and are good?? Was paying BG £14per month.John C. replied:Tariq Mohammed - we have a provider - more of a landlords emergency cover - the just boiler breakdown - it does have some small print - but essentially can work well - we have many landlords renew each year - so it must work for them - furher details from Jackie in my office - 01494 719980http://www.landlordsemergencycover.com
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Referral from
August 5, 2014
Andy B. asked:Can anyone recommend a good insurance broker for landlords buildings insurance? The quotes I have just got in from mine this year seem way too high.
John C. replied:Andy - love to help and we do help lots of people in this group - Jackie, Bronny, Laura in my office can help - 01494 719980 or pm me your details and i can get one on them to call you. www.insurance-desk.com
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Referral from
June 12, 2014
David T. asked:Anyone got any advice/recommendations for BTL building/contents insurance? Blanket landlord policy to cover multiple properties? Per property policies? Particularly any providers friendly towards student lets. Price less important than cover/service. Many thanks.John C. replied:David happy to help and advise what is best. Like you say we recommend where possible, a uniform renewal date for landlords with two or more properties so you can squeeze the insurance carriers a bit and it makes it easier to benefit more as your portfolio grows. Can help either PM me or my office Bronny 01494 719980 can help ..thanks for the tag Sue
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Referral from
June 4, 2014
Frazer L. asked:I have a friend who has moved overseas for work and is allowing one of his friends to house sit. No rent being paid / tenancy agreement in place. His insurance company have said they can't provide cover. Any suggestions on best way to proceed welcomeJohn C. replied:Thanks Juswant ....Frazer we would be able to place this if as you say the current insurance will not cover it - the best person to speaking with in my office is Jackie or Bronny - 01494 719980 and then we can take exact details and speaking with some of our insurance carriers.
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Referral from
May 19, 2014
Pete W. asked:Have a couple of properties coming up for Insurance renewal and another I have just taken on. Best Insurance deals?? Also may need a plumber and electrician in the Felixstowe area. Any recommendations?
John C. replied:Thanks Graham Faulkner - happy to help Pete Woodley - either pm me of call my office on 01494 719980 Jackie or Bronny can help
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Referral from
January 20, 2014
Jeff B. asked:Anyone suggest a company for boiler cover apart from BG?
John C. replied:Jeff - we can help - call Bronny in my office on 01494 719980 if you like the look of http://www.landlordemergencycover.com/
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Referral from
January 18, 2014
Sarah-Elizabeth G. asked:Professional indemnity insurance for letting agents..anyone recommend a good provider?John C. replied:Hi Sarah - be happy to help in anyway possible - either pm me you contact details or my office is on 01494 719980 Bronny / Jackie - www.insurance-desk.com - thanks Owais for tag ;-)
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Referral from
December 19, 2013
Peter P. asked:Insurance for block policy? Who is using who? Thanks in advance!John C. replied:thanks for the Tag Sue Maxwell Smith - always happy to help in this area - lots of insurance companies are still chasing their year end targets - so happy to give advice on cover and look to save landlords money as well - either PM me or call Jackie / Bronny on 01494 719980 thanks
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Referral from
December 15, 2013
Jeremy N. asked:Hello guys I am currently developing a family house in London to have 8 bedsits, with all rooms to have their own small kitchen and ensuite. My goal is to provide a very high quality accommodation. This is the first time I'm doing this so I would appreciate any advice :) My questions are: 1. Do you know a very good mortgage broker who can help find a lender willing to lend on the property? I already own the property and it is on a normal BTL mortgage. I need to remortgage it with a suitable mortgage when the development is finished 2. Do you know an insurance broker who specialises in this kind of property? 3. With regards to washing machines, would you recommend having one in each bedroom or should I build a building in the garden and get a couple of commercial washing machines and a dryer. I would charge £1 perhaps for the tenants to use the washing machines and dryer. 4. With regards to bills, I am planning to use a company called Glide. It is a company that bills tenants separately so it takes away the stress from the landlord in adding the bills to the rent. Has anyone have experience with Glide? Would you recommend a different way to sort the bills out? 5. Any advice or comments that you can give that we have not considered? Many thanks :)John C. replied:thanks Ash - Jeremy - happy to help / advice in any way reference the insurance side - either PM your details over or Jackie / Bronny in my office can help on 01494 719980 - good luck with the project.
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Referral from
December 11, 2013
Nick B. asked:could anyone please advise a good buy to let insurance? thanks in advance :-)John C. replied:Thanks Juswant ....Nigel happy to offer advice / help ...either pm your details over or call Jackie / Bronny in my office on 01494 719980 www.insurance-desk.com thanks
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Referral from
December 3, 2013
Surina M. asked:Good evening, any reccomemd ed property insurance brokers or companies anyone recommends. Thanks, SurinaJohn C. replied:Hi Surina - happy to help - either pm me your details or you can call Jackie / Bronny in my office on 01494 719980 / www.insurance-desk.com - whatever is easiest. We are independent brokers and all of us as landlords as well - so we like dealing with other landlords. Access to all major carriers and also Lloyds Of London for non traditional risks if required through various Lloyds Syndicates.... thanks for the TAG Ash Zuberi - sorry its late replying as just back from the Bucks ;-)
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Referral from
October 14, 2013
Barbara C. asked:Hi, who do people use for HMO insurance?John C. replied:Thanks Katie Sylvester - Yes Barbara happy to help where possible -standard premiums for HMO's as some insurance carriers load costs. We can cover HMO's with cooking in the rooms as well and Emergency accommodation properties - so the key is to let us know the exact type of tenants so you are fully covered. Jackie or Bronny in my office can help - 01494 719980 ;-)
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Referral from
October 3, 2013
Nichola B. asked:can anyone recommend an insurance company for a property on a delayed completion that is being rented out please?John C. replied:Thanks Shimon - very kind and always happy to help Nichola Jackie / Bronny are on 01494 719980 or www.insurance-desk.com
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Referral from
September 30, 2013
Ben T. asked:Hi Everyone. What is the best company or broker for HMO insurance, buildings most importantly but contents as well?John C. replied:H Ben - happy to help - we look after lots of landlords HMO properties and even ones with cooking facilities in the room - which lots of insurance carrier do not like for obvious reason. My office - Jackie or Bronny can help - 01494 719980 thanks for the TAG Sue Maxwell Smith.
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Referral from
September 25, 2013
Roy M. asked:How do you value your property for rebuilding when asking for insurance quote? Anyone have any good brokers for landlords insurance?John C. replied:http://www.insurance-desk.com/rebuild-calculator/ Roy - best way if you have finance on it is to use the RICS survey and find the reinstatement value - this provided it is relatively recent is accurate - you can also use the calculator above. We can also get "day one uplift" added to the cover which gives you a 25% cushion - so if you feel the rebuild is £100 k - then the policy covers you up to £125 k. If you need advice we would be delighted to help you - 01494 719980 Jackie or Bronny. Thanks for the TAGS ;-) Mark & Sue :-)
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Referral from
September 23, 2013
Andy M. asked:Hi everyone. Landlord Insurance is due, does anyone recommend any firms or things to watch out for? Also some insurances do not cover for malicious damage, do u include this cover in yours? ThanksJohn C. replied:thanks for the tags Shimon, Juswant & Sue - Hi Andy happy to help in any way we can and give you lots of pointers are well .... Yes malicious damage by tenant as always worth taking along with other areas - if you want to pm me your contact details i can get Bronny or Jackie in my office to call you tomorrow or my office number is 01494 719980 - www.insurance-desk.com Happy to help where we can ;-)
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Referral from
September 4, 2013
Rebecca D. asked:Portfolio Insurance- my insurance company has just put up my annual renewal fee substantially. Can anyone recommend a good insurance company who will insure my whole portfolio under one cover. ThanksJohn C. replied:Thanks for the TAG Sue Maxwell Smith wink emoticon Hi Becky Daly - whilst price is a major factor equally is the cover you are securing ...otherwise when a claim happens and we see lots and lots - the policy you have may prevent you from claiming ... Like claims for malicious damage / cannabis farms / illegal activities - so always best to match up cover to your portfolio .... if you want to pm me your contact details or alternatively contact Jackie or Bronny in my office on 01494 719980 - www.insurance-desk.com
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Referral from
August 22, 2013
Adam J. asked:Does anybody have any recommendations for buildings insurance on a property that will be undergoing building works after completion?John C. replied:Firstly thanks Owais Naveed for the tag ;-) Adam - we most certainly can help and depending on the type of works will depend where we can place it - we have access to all markets including Lloyds. Obviously we will need more information to help and then we can make sure you have cover to suit - for example are you keeping it afterwards or flipping it and again the type of work being undertaken is another major factor... One of the providers we often use allows us to put landlord properties to them undergoing cosmetic works like kitchens, bathrooms, central heating, electrics etc ...and will give full perils cover whilst the tradesman are onsite as they accept this is often a lower risk than the property being empty. Having tradesman on site - especially the ones working with heat can cause problems - so again making sure they have the correct cover is essential. Happy to help with more advice - best to speak with Jackie in my office on 01494 719980 - www.insurance-desk.com. Hope this helps Adam.
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Referral from
August 8, 2013
Dale W. asked:Who's the insurance wizard on here ? Need quotes pretty rapid for an empty property that will be undergoing development :-) Thank youJohn C. replied:Thanks everyone - Dale happy to help - either PM me your details and we can get it sorted tomorrow for you - Jackie / Bronny in my office 01494 719980 can advise depending on your circumstances ... It will also depend on works being carried out where we go to sort it - we do have a concession with one company that provided the works are cosmetic, kitchen, bathroom, painting etc - that it can go on one of our landlords policies - and you get FULL PERILS cover whilst the tradesman are working on site ...always handy ;-) So happy to help either way to make sure you have the right cover - thanks again Sue & Lisa ;-)
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Referral from
July 19, 2013
James J. asked:LOOKING FOR HMO INSURANCE QUOTE ? TRY HERE:John C. replied:Thanks Sue Maxwell Smith - yes HMO's are no problems and we also have markets for bedsits, emergency accommodation and properties rented to council where you have no control over the tenant types - which lots of insurance companies do not like. Often the price is standard rates as lots of the risks are well kept and inspected regularly. With claims dealt with in house - again this FREE service makes the claims process easy for the landlord as the deal with one person which is us, NOT the insurance company so our role is to help the client as much as possible - giving advice throughout. The price is one thing and as lots of people (and most recently Akhtar Khan) have demonstrated we can often save landlords lots of money - the main concern is having an landlords policy fit for purpose than will and does pay out. James if you need any help or more info either call Jackie or Bronny in my office 01494 719980 (www.insurance-desk.com) or pm me - happy to help with any advice or recommendations
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Referral from
June 6, 2013
Andrew M. asked:Can anybody recommend some decent landlord insurance? Seems to be a lot out there but as with all insurance the Ts & Cs vary greatly.John C. replied:Thanks Owais .... Andrew be delighted to help and offer advice - we have access to the main carrier's ..you can PM me your details or Jackie / Bronny in my office can help 01494 719980 www.insurance-desk.com
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Referral from
May 29, 2013
Sam M. asked:Hi everyone, a friend of mine is trying to buy a house in Cambridge with subsidence and is apparently unable to insure it. He says that the structure is first class, but the insurance companies are just not interested. Does anyone know any insurers who might be more willing to insure it please? Thanks.John C. replied:thanks Owais for the tag: Sam - i would check who it is currently insured with first - might be easiest to bring the insurance across with the property. Insurance can be secured for previously underpinned properties as well - as you can imagine lots of variables - happy to help where possible - but you could find it easier than you think... Drop me a PM with your details on or you can call the office on Tuesday 01494 719980 - www.insurance-desk.com - happy to help either way ;-)
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Referral from
May 1, 2013
Sam M. asked:Hi everyone, please can I get some help with an insurance quote I've had? It's for a 5 bedroom property in Northampton NN3 that we'd like to turn into an HMO with 6 to 8 rooms (dependent on planning permission). Purchase price is £102k, rebuilding costs £185k. It is at high risk of surface flooding and covers malicious damage from the tenants. We've been quoted £437.20 via the NLA. Does this sound reasonable and/or would anyone recommend an alternative insurer please? Many thanks for your time and attention.John C. replied:Thanks Sue Maxwell Smith - Sam we would love to see if we can help you - HMO's don't carry and extra costs with some of the insurers we use - It will really be a matter of plugging the details in and see what the insurance carriers come up with and then playing one off against another (always fun) Drop me a PM so i can get my office www.insurance-desk.com to call you or alternatively call Jackie on 01494 719980 thanks for the opportunity..... ;-)
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Referral from
March 21, 2013
Ann F. asked:I require landlord insurance. Any advice and direction would be appreciated.John C. replied:Thanks Shaun Kearsey....Ann happy to help with giving you some pointers - currently in Dublin ...but call my office 01494 719980 WWW.Insurance-Desk.com or pm me you details and we can go from there.
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Referral from
March 15, 2013
Julian S. asked:Need an insurance broker to insure a freehold, two flats and the common ways, who is da man/woman??? Name and number please....John C. replied:Julian we can help like Lisa I am sure - 01494 719980 or www.insurance-desk.com or pm me your number and will get the office to help you wink emoticon
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Referral from
March 5, 2013
Danny F. asked:Need insurance for a 6 bed HMO. Who do you use and how much please?John C. replied:Danny - we can help - standard rates for HMO's - so always keen to help we also help a lot of Platinum Property Partners ;-) Call Jackie or 01494 719980 / www.insurance-desk.com - or PM us your details and we can help ;-) Also Danny whoever you go with make sure you disclose all material facts - recently someone was just about to place their HMO on risk and we were surprised by the choice of insurance carriers - it transpired they forgot to advise them there was cooking facilities in the rooms - which the chosen insurance carrier would not cover ... Fortunately we were just in the nick on time and could get them the cover which was fit for purpose and will pay out should there ever be a fire or flood from the Elgin's built into the rooms ;-)
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Referral from
February 8, 2013
Alistair W. asked:Any recommendations for contract covering boilers, plumbing and possibly electrics etc. I am thinking of managing more of my properties personally but ideally would like to get something in place to avoid the most likely causes of phone calls in the middle of the night. Does anyone have any recommendations for these types of contracts, for example British Gas do them for anything from around £15-45 per month depending on cover and I have one of these in place, it works ok although I did get stiffed for an extra £600 to "Powerflush" the system when something went wrong. Looking to ideally place them all with one company who will handle the calls and call outs etc. Also would need to cover Scotland.John C. replied:Thanks Sue Maxwell Smith for the tag - and yes Alistair Wood we can help you .... We currently have one product and will be releasing a new one in the next few days - both are quite similar and will offer "emergency repair works - fully insured up to £500. The products are not designed so landlords can leave property maintenance issues - but as you say are designed to save you the hassle of locating a plumber / electrician / locksmith in the middle of the night or 5.30 Friday evening ... The price is £69 per year per property and they will cover Multi-Lets / Hmo's etc ...drop me a PM or call my office on 01494 719980 so we explain more ... You can see further details of one of the products here - http://www.landlordemergencycover.co.uk/
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Referral from
February 6, 2013
Jay C. asked:Hi Guys, Have a few properties that are in need of Buildings Insurance, anyone got any recommendations please?John C. replied:thanks for all the tags from lots of people - Jay happy to also look at the insurance options for you - either PM me or you can get hold of us at www.insurance-desk.com or 01494 719980
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Referral from
January 8, 2013
Mark C. asked:Just had my renewal quote through from British Gas for over £4500+, and wanted to know what other companies anybody uses?, had a nightmare with Dynorod, dont know anybody who has had any experience with Homeserve, any suggestions, I've looked at previous threads, but cant find anything - any help or suggestions much appreciatedJohn C. replied:Thanks for the tag Mark Lloyd - Mark Camden-Clarke yes we have a provider at £69 and the link for details is http://landlordsemergencycover.com/ - having said that were are also looking to have access to another product as well in the next week ....my office number is 01494 719980 ...
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Referral from
December 9, 2012
Brendan K. asked:Could Anyone recommend a comprehensive landlord insurance provider? Thanks in advanceJohn C. replied:thanks everyone for the tags - Brendan happy to help where possible either PM me or call Jackie / Bronny in my office who will be more than happy to help - 01494 719980 / www.insurance-desk.com
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Referral from
October 28, 2012
Pradyp K. asked:Who here has experience of HMO Insurance - (a) Buildings, (b) Contents ? Which Policy/ies or Insurers would you recommend? Is your recommendation based on reading Smallprint / on actually having claim settled? Your properties are HMO Registered with Local Authority, or Multi-Let's falling below regulation thresholds No. of Tenants / No. Of Floors ?John C. replied:Pradyp Kanabar - as Owais kindly mentioned lots of people who can help you on here for the right reasons ....you are quite right with your comments and we often see people paying money for what can often be a piece of paper and you really don't know how good the cover is until you claim... Also this is another plus side using a broker - as they will help you during the claims period which can often be quite challenging... We have lots of landlords across the UK and have many claims - Bronny (01494 719980) in my office does claims 3 days a week - so you can call her anytime. HMO'S are no different to any other insurance provided the insurance is fit for purpose and the landords / agents explain the risk properly - often as we know HMO's can differ hughely so some insurance companies will like professional tenants and not take others, some don't like them all together, some will add a margin to the costs and if there is cooking facilities in the rooms many don't like that....but they are all solvable... There are landlords in this group who have had claims, and significant ones as well, paid out through us ....so if you need any names of how well the claims went or were dealt with, let me know and i will get some of them to PM you rather then add their details without their permission here. Hope this helps....
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Referral from
October 2, 2012
Tina W. asked:Looking to take out some PL Insurance, does anyone know where we can get a good deal?John C. replied:Thanks Sue Morton - Christina - happy to give you some help and then some prices if you need cover - I am in the office tomorrow later on, in the meantime by all means speak to my office at www.insurance-desk.com / 01494 719980
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Referral from
February 24, 2012
Gareth F. asked:Does anybody know if there is a landlord's insurance policy that covers loss of rental income in case of malicious damage, whilst the damage is being repaired?John C. replied:Thanks Juswant. Gareth - if you want give my office a call 01494 719980 www.insurance-desk.com or we can speak on Monday. Depending on the your requirements we can build cover to suit - we are independent brokers and have access to all insurance carriers and also lloyds markets ...it is often best to match cover to the landlords needs - for example more and more insurance companies exclude malicious damage, illegal activity, cannabis farms, and are very particular on tenant type as well .... Have a great weekend and speak soon.
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Referral from
December 22, 2011
Jay C. asked:Can Anyone recommend where to get short term building insurance from? Been hit by 6 month rule for a sale we are doing and thus need something in place for a short period if at all possible? ThanksJohn C. replied:Thanks Mark for the recommendation - Jay - always happy to help and can do pro rata cover - but more importantly you need to make sure you have full cover if the property is empty or unoccupied ... Give Jackie or Bronny a call in my office on 01494 719980 (www,insurance-desk.com)
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Referral from
January 27, 2015
Russ D. asked:Hi, I'm looking for advice on landlord insurance - any suggestions/recommendations please?Fiona C. replied:John Cox Insurance Desk 01494 719980 .
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Referral from
October 24, 2014
Lee W. asked:Can anyone recomend a good insurance broker to find buildings/landlord insurance for a house that will be turned into a multi-let? Thanks.
Fiona C. replied:John Cox Insurance desk 01494719980. Ask for Jackie .
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Recommendations from John C.
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