Whether you are renting or letting a property, you have probably at some point had to decide which route to take. Perhaps you are still making up your mind and are not sure which road you want to go down. Let's start by taking a closer look at the pros and cons of both short-term and long-term tenancies for landlords and tenants.

What is a short-term tenancy?
Typically, a short-term tenancy is a tenancy that is less than six months. Holiday lets are usually up to 31 days.

Advantages of a short-term tenancy for landlords
As a landlord, you can enjoy more flexibility, perhaps choosing to let your property to holidaymakers for some of the year while at other times letting it on a short-term basis. If your tenants become problematic, then at least you are not tied into a long-term contract. Typically, you can charge a little more for a short-term let and more again for a holiday let.

Advantages of a short-term tenancy for tenants
If you are a tenant, then you are not tied into a long-term agreement, which, if you work on short-term contracts in various locations, may suit you perfectly. For some people, the principle of being restricted to one property for a long period of time is not appealing. The overall cost of renting for the duration of the contract will be less than renting for longer. That said, you will then need to find another place to rent at the end of the term of the tenancy.

Disadvantages of a short-term tenancy for landlords
You may find that your property stands vacant, which means that you could reduce the profitability of your investment. Your property may require more attention and time in terms of maintenance, advertising, and the time it takes to find new tenants. In some cases, mortgage providers may choose not to lend to you as your rental income may be considered less stable than that of a long-term tenancy.

Disadvantages of a short-term tenancy for tenants
Lack of long-term stability can be unsettling and stressful, and taking time out to find your next home can be time-consuming. Added to this, the higher costs of short-term lets plus the shortage of rental properties currently available makes acquiring a long-term tenancy a more attractive option.

What is a long-term tenancy?
A long-term tenancy is usually based on an annual tenancy, is a fixed-term contract, and is the most common form of renting.

Advantages of a long-term tenancy for landlords
This is a much more stable and predictable way to let your property, with better long-term stability and less time-consuming work when it comes to finding tenants. Banks will see you as less of a risk, which could increase access to funds. This means you could expand your portfolio more rapidly or buy a more valuable property, ultimately leading to a better return on investment.

Advantages of a long-term tenancy for tenants
Greater stability means it’s easier to plan your future. Putting down roots is important and is much better for all those practical things in life, including socialising and financial planning. Feeling settled is an innate human desire and leads to a more stress-free life.

Disadvantages of a long-term tenancy for landlords
Having less flexibility means that you have fewer options when it comes to diversifying into other markets. You may have to charge less than if you were renting your property as a holiday let, and if issues or repairs occur, you will need to fix them sooner rather than later.

Disadvantages of a long-term tenancy for tenants
Tenants renting on a long-term tenancy will not endure many disadvantages; even if you have to move before the end of your contract, in most cases, as long as you provide the correct level of notice, there are no financial implications.

Conclusion
Each person has different needs. However, it seems that unless you know for certain that you only need to rent on a short-term basis due to contract work, perhaps study or training, a house renovation, or holidays, a long-term tenancy is a more stable and predictable choice for both tenants and landlords.

Are you looking for a property to rent, or are you a landlord looking to let your property?

Get in touch to see how we can help.

 

This time of year is perfect for unwinding in the garden. So many people like to make the most of their outdoor living spaces by sharing them with their friends and family. Having a few extra guests around to make it more of a social occasion is always a good idea. But don’t forget to invite a bit of wildlife, which adds a touch of magic to your garden during these wonderful summer months.

Pick the right flowers
Flowers produce pollen for the birds, bees, and butterflies, which adds an orchestral soundtrack to your garden. Birds and butterflies are a spectacular sight to behold as you unwind in the garden with loved ones after a hard day’s work. And thanks to their hard work, the birds, butterflies and bees encourage more flowers to grow in your garden as they fulfil their role of fertilisation. Choose the flowers you love, adding the colours that make you happy, then let nature take its course.

Trees and shrubs
Whether bushes, hedges, trees, or shrubs are your thing, again, grow whatever you are most passionate about. Each will provide a great home for various forms of wildlife, from birds to insects. Growing a good amount of these things will create a better visual appeal for your garden and give the wildlife more choice when it comes to finding their nesting place of choice.

Build a pond
Building a pond can be great fun and is a relatively inexpensive way to add a whole new dimension to your garden. Buy a prefabricated pond and put it in the ground, or use a liner; either way, you are in for a little digging. All the hard work is worth it though, if you do it yourself. You will be able to sit back and drink your morning coffee while watching the birds, possibly even a toad, wash themselves before singing their morning songs. A good tip is to build a sloping side, almost like a beach, so that wildlife can get in and out of your pond. Perhaps fish are more your thing; either way, add some flowers to your pond, such as waterlilies, and watch them blossom.

Grow a meadow
Scatter flower seeds and create a meadow. Don’t worry if you don’t have the space to do this; you could grow small areas of long grass. These will also add to the visual appeal of your garden. Making it unique and different. This can encourage voles and caterpillars, and wildflowers have a unique beauty that is another feast for your eyes.

Create a rock garden
If you have areas in your garden that have poor soil quality, rock gardens are an ideal solution and don’t cost a lot to build. In fact, you may be able to build it for free. Build it next to your pond or wherever you feel it makes the biggest impact, and you will encourage pollinators and other forms of wildlife to thrive.

Added value to your home
While having more wildlife in your garden will not directly add value to your home it will enrich your garden, making it more attractive. This will add value to your home, and a well-presented garden with various features, flowers, trees, and shrubs will be far more appealing to buyers than a property with less visual appeal. Combined with the right outdoor living space; the perfect viewing point to appreciate all your hard work, you will have undoubtedly added significantly to the value of your property.

Are you looking for a home with an idyllic garden this summer?

Get in touch to see how we can help.

 

Summer is the perfect time to prepare your home for a speedy sale. Homes seem to blossom at this time of year, and when all your hard work is done, the sun illuminates and makes your home look like a picture. Sometimes it’s a question of having the time to get all those little jobs done. For others, it’s knowing when to stop. So, wherever you are on the spectrum, here are a few ideas to consider that will help add to the value of your home.

Increase the kerb appeal of your home
The front of your home is what will welcome your buyers, and many people make a big part of their buying decision on first glance. Does it look welcoming and in good order? Get rid of any weeds on the paths. Clean the windows and the front door. Consider replacing it if it’s a cost-effective move to make. Add some flowers, mow the lawn, and give it a lick of paint if it’s needed.

The garden and outdoor living spaces
Take a good look at your garden; it’s considered by many buyers to be as important as any room in the house. Keep it trim and in order, and make the most of those finishing touches, such as solar lighting or cushions for the garden furniture. Does the patio need weeding, or the decking need re-staining? Arrange your furniture, flowerboxes, or outdoor space so that it looks welcoming and ready to be lived in while decluttering any unnecessaries like the kids’ toys or football!

A splash of paint
Inside your home, a splash of paint adds a new lease on life to your walls and can be mood-altering, putting your buyers in the mood to move. It could be that you only need the odd splash here and there to get rid of any blemishes. If you are painting entire rooms, think neutral colours that will add light and a feeling of space. Remember the golden rule: If it’s not needed, don’t waste your money.

Clean and declutter
Your home needs to look like the best version of itself. A cost-free way of doing this is to simply give your home a good cleaning. Have a good sort-out; it will stand to you when it comes to moving. Pay particular attention to the kitchen work surfaces, the bathroom, and the sitting room. This will create a nice feeling of space.

Let the light in
Draw back the curtains, let in as much light as possible, and hang a few mirrors to create an allusion of space. Add some flowers and dial your home into the summer season. A few brightly coloured cushions or plants can add some vibrancy to your cleaner and brighter home, making it more appealing.

Small repairs
Now is the time to get all those niggling issues sorted, from the cracked skirting board to the scorched tap. A few new seals in the bathroom, or better yet, regrouting or resealing around the tiles, can add a new lease of life to your bathroom or kitchen and make a big impact for not a lot of money.

Bigger ideas
Perhaps your garden could be transformed by adding decking; suddenly you will have added an outdoor living space. Consider installing new windows or a revamped porch. Perhaps, after careful consideration of costs, you could make the kitchen and dining room open-plan? Talk to your agent if you think you will get more than the cost of completing the work when it comes to selling; maybe it’s worth doing. The choice is yours, and the possibilities are endless. A good chat with your local agent is always a good place to start.

Get in touch today to see how we can help you achieve a great asking price for your home this summer.

 

You want your home to stand out, whether it’s first seen by your buyers in an image or from the kerb. That first glance is important. If the rest of your home is in great condition, the last thing you want to do is alienate potential buyers by neglecting the front of your home and creating the wrong impression.

The front door
If it’s wooden, give it a coat of paint and polish the metal work. If it’s really worn and damaged, consider replacing it. Sometimes darker colours will make your front door pop, so that when your home is viewed and welcomes potential buyers, they immediately feel good before entering your home.

The front lawn
Make sure the grass is green and trim. Use grass feed if there are any patches. Sweep and weed any paths or patio areas. If possible, use a jet wash to make your paving look like new again.

Clean your widows
Get your window cleaner to give your windows a good clean in time for viewings and pictures for your agent. Don’t forget your window frames; make the front of your house pop with the right colours; and repair any blemishes.

Add some paint
The front of your home will benefit from a coat of good paint. Check the pointing. Perhaps your home does not need any paint; don’t forget gates, fences, walls, and guttering. The little things all add up to make a big impact.

Flowers and plants
At this time of year, adding some vibrancy with a dash of colour will really help your home stand out. Less is more, and not everyone is passionate about the same flowers and plants, so be subtle and keep what you have in pristine order.

Furniture
Even if you have a small, terraced house with little space out the front, a small seating area can add to its appeal. For larger homes, create a vision of outdoor living that is just a taste of the splendour that will later appear, perhaps in the outdoor living space located at the rear of your property.

Conceal wiring or utility boxes
If possible, don’t allow all your hard work to be affected by unsightly wiring or an electrical, gas, or rusty mailbox. Get in touch with your energy supplier if it needs replacing, or simply give it a good cleaning.

Summer symmetry
Some things work best in pairs, and when it comes to making an entrance, a pair of ornamental flowerpots on each side of the door can do the trick. Lighting can also have the same effect as flower boxes.

Finishing touches
Hanging a summer wreath can really add some colour and show your new buyers that you love your home.

Will all of this add value to your home?
Yes. Anything that makes your home appear cared for and loved will help other people fall in love with it. While it will not drastically increase the value of your home, you may be pleasantly surprised.

Contact us today so we can guide you to the front door of your happy place.

 

You are relaxing with a drink in the garden, and the summer scent of flowers and sweet grass mingles with whatever you are cooking on the barbeque. You take a long sigh and feel so happy that you have made the effort to move. Perhaps you have not experienced this feeling for a while. It could be that you are a first-time buyer and are eagerly awaiting this special and unique feeling. As the market stands, there is more than just nice weather and pretty houses to tempt you into moving.

Strong sales
With the UK housing market currently sitting at 500,000 sales, many analysts expect to see these figures rise to more than one million by the end of the year.* This is good news; it means that your home will sell quickly if you put it on the market. And is more proof that the property market is vibrant and far more resilient than the gloomy picture painted by the mainstream media.

The summer rush
Many people are hastily getting on the move in time for summer, not wanting to move during the colder months of winter. Summer is a beautiful time of year to move to your ideal home and is traditionally a busy time of year. For sale signs start appearing as quickly as summer flowers, giving you more choice. But it’s best not to wait for a sign to go up; keep in touch with your friendly agent, as homes can disappear from the market as quickly as they appear. Your agent will alert you the moment the right property for you becomes available.

Surging choice of homes
With 65% more choice in homes than this time last year.* The buying process today is far more enjoyable. You no longer have to worry about making offers over the asking price. From large and small energy-efficient homes that ooze character to new builds, and interesting period properties in a multitude of rural and urban locations, the choice on today’s market is more varied than ever. Homes across the market have undergone a massive amount of improvement during the home improvement boom of recent years. That said, there are plenty of projects waiting for you to put your mark on.

Summer is a great time of year to move
The kids are off school, the days are longer, the weather is not as harsh, and moving your belongings in more clement weather is a nicer experience. It’s also a great time to meet the new neighbours for a drink in the garden or a barbeque after you move in.

Good timing
Timing counts for a lot when it comes to selling your home, and right now the market is a hive of activity. A good agent will have their finger on the pulse and have a buyer waiting for your home to make its appearance on the market.

A vision of summer living
Bright and breezy rooms with seasonal flowers, drinks on the decking as the sun goes down, or the smell of something delicious cooking on the barbeque, or a simple, more compact space with a few candles and soft music soothing you after a hard day’s work are worth making the effort for.

Don’t waste any more time and make your move this summer?

Get in touch to see how we can help.

Zoopla*

 

Perhaps you have just moved, or maybe you are thinking about moving. It could be that you are decorating a recently acquired buy-to-let property. Whatever your reason for decorating, sometimes the hardest decision to make is deciding on colour schemes. There is an eternal spectrum to choose from, and matching and creating rooms that are visually what you were hoping for is no easy task.

Did you know?
Some research suggests that we associate certain colours of inanimate objects with certain emotions. Here are a few examples: orange: happiness or energy, yellow: cheerfulness, red: love, passion, or danger and blue: relaxation, to mention but a few.

Are you selling your home or letting your home?
If you are renting out your home, neutral, warm colours are the best. That way, you can play it safe and not run the risk of decorating to your tastes and alienating potential tenants or buyers. Paler, softer colours that encourage as much light as possible will make your home appear larger. While it is tempting to opt for two-tone effects, do so in a conservative manner, if at all.

Do what makes you happy
If you are decorating for your own home, then this is a different matter. When it’s time to sell up and move, the chances are that your buyer will have their own ideas and tastes when it comes to decorating. Instead, have faith in your own tastes. Learn to trust yourself while seeking the right advice. Experiment with colours, and don’t buy until you try. Use the samples you are provided with and paint until you are happy. If you are not happy, today any colour can be matched with some clever mixing technology. So, if you can’t find the right colour, you can have it made.

Soothing spaces
Bathrooms, bedrooms, and sitting rooms are often places where feelings of tranquilly are at the top of the pecking order of desired emotions. Shades of blue and green can be useful in creating such feelings. The softer the shades, the less impact they will have. A good way to make these themes work well is by adding the right complementary furniture. In the case of a bathroom, a contrasting suit will accentuate these emotions and may distract your eye from the intensity of large painted areas. A good tip is to break up walls with mirrors, plants, pictures, shelves, or tiles to create a greater sense of serenity.

Furniture and finishing touches
A great way to add colour to create your desired mood is by not paying too much attention to the walls and focusing more on your furniture, features, and finishing touches. Gone are the days when it was all about wallpaper and paint, with furniture being a simple afterthought.

Neutral and darker colours are great for a feeling of cosiness. Then, if you want to add a dash of colour with yet more cosiness built in, use mustard shades or whatever colour you love. Neutral colours work with everything, and when you get to the end of your decorating expedition, the impact of small plants on a simple, free-standing table can be pleasantly surprising. So, when it comes to creating the perfect mood for each room in the house, start with your furniture.

Browse our properties today to find a home that matches the life you want perfectly.

 

The property market always has a good deal for everyone, and right now, this has never been truer. The news tends to paint a bleak picture; however, on closer examination, it’s clear to see that the moving market is well balanced. If you are selling, buying, or both, then you are sure to find what you are looking for at the right price.

If you are selling
The property market is still benefiting from the rapid growth in prices over the past few years. With UK house prices rising on average by 3% in the year to May 2023, there is no doubt that things have returned to a healthier state.* Steady, solid growth creates confidence and stability. This means if you are selling, you are going to get a good price for your home, and if you move, you most likely have great levels of equity.

Buyer demand
Demand from buyers is up by 14% compared to 2019 and is 42% lower than a year ago.* It’s completely unfair and unrealistic to get downhearted by comparing today’s figures with those of last year. This was an exceptional year due to the hyperinflated market caused by COVID and other factors. The figure to concentrate on is that of 2019, which was a more realistic market, and with the increase in demand this year, you will sell your home quickly.

If you are buying
The property market is not exclusively a buyer’s market, as perhaps it has been in past years. But there is definitely a lot of scope for haggling, making an offer, or getting a good deal. Whatever your preferred term for saving money is, the trick is not to overdo it. You don’t want to miss out on the home you love by making too low an offer. This is where a good estate agent can help guide you through what can be a nerve-racking time.

A friendly face
Moving home is becoming more of a seamless experience. But having the right agent helps with this process. There is no substitute for a living, breathing person who spends day in and day out dealing with virtually all that is property related. Estate agents tend to know what is going on in your local market, can answer all your burning questions, put you in touch with anyone else you may need, and often have a list of buyers ready and waiting. Buying a home is an emotional experience, and when you are making big life-changing decisions, you don’t want to deal with a robot!

Beautiful buying weather
This time of year is perfect for moving. The birds are singing in the trees; it’s warm, and the prospect of being moved in time to enjoy the summer tempts many home movers into selling and buying. As a result, prices stay buoyant, and the choice of property flourishes. It’s a busy time of year, which adds vibrancy to an already good market.

Happy homes
Many homeowners keep their homes in tip-top shape during the summer. The result is that homes become happier places. Whether you are relocating to the countryside or to a new street, this time of year lends itself well to making some everlasting memories.

Browse our properties to take a glimpse inside your future happy home.

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The demand for your rental property is huge right now, having increased by 10% again this year on the back of years of soaring demand.* As a landlord, you want to maximise your return on investment by achieving the best possible rent for your property. You also want to secure your investment and build a good relationship with tenants.

Location
Before buying, think about your potential tenants. Proximity to hospitals, schools, transport links, or universities may help define your target tenant. If you have already bought, remember that location is a great plus when attracting tenants.

The nicer your property the nicer your tenants
Decorate your property to the highest possible standard. Keep a neutral theme using safe colours. If there is room in your budget to improve the kitchen, flooring, and bathroom, do so. Just be careful not to overspend. A well-presented property in good condition will fetch more than a less well-prepared property. Typically, a nicer property will attract better tenants who will look after it if it’s in great condition.

Make your property as attractive as possible
When it comes to advertising your property, make sure it is clean and in tip-top shape, with all issues that need addressing sorted. Good pictures of beautiful properties will help you find great tenants quickly and fetch a better rent, while most likely creating a home that your tenants will want to keep renting. This ensures your investment.

Move with the times
Install USB sockets, energy-efficient appliances, and LED lighting. Smart meters, good insulation. Anything you can do to improve the energy efficiency of your property are in everybody’s interest. Many tenants are concerned about the cost of bills at the end of each month and will pay more in rent for a more efficient home.

The value of a great letting agent
A good letting agent will find the right tenants for your property. Whether you are renting one home or have a large property portfolio, a managed service is a smart move to make. You can choose what level of managed service you want. Finding good tenants and taking care of references, deposits, and everything from maintenance to inspections is no easy task. With a managed letting service, your investment is in safe hands, leaving you with more time for the more important things in life.

A managed letting service is the best way to move forward
As the Renters Reform Bill passes through Parliament, the future of letting your property will improve. The entire industry is being overhauled, making life easier for good tenants and good landlords. Bad landlords will find themselves forced to improve their practises. By using a managed letting service, you are already halfway to achieving great returns while minimising risk. Meeting all the current legislative changes is not something to be feared. Having an expert on your side so you can make the most of these changes ensures that your investment will thrive.

Are you a landlord, or do you want to take your first steps on the buy-to-let ladder?

Contact us today so your investment can flourish.

Zoopla*

 

The demand for your rental property is huge right now, with demand per available property spiking last year by 250% above the 5-year average, while the demand for rented homes remains 10% higher than this time last year.* Interestingly, many landlords who have reached retirement age are selling part or all of their portfolios, giving you the chance to rapidly expand your portfolio with rental-ready properties.

Rents are increasing
Your investment is secure. Rents have increased by 20% in the past three years, increasing by 11.1% in the past twelve months to March 2023.* This means you have the financial means to reinvest in your portfolio, finance improvements, and meet legislative changes. With such great returns on investment, you are a safe bet for banks.

New opportunities
Smaller, more energy-efficient homes are in demand; increasing numbers of students are looking for accommodation; and a widening demographic of people are renting for longer. With larger homes arriving on the market with good scope for negotiation and development, the opportunities are endless. It’s no secret that larger homes are selling a little more slowly than those in the first-time buyer market. The opportunity to buy a larger property and transform it into multiple lets is, provided you get the numbers right, a fantastic way to increase your rental yield.

More buy-to-let mortgage choice
There are over 2,400 different mortgage deals available if you are buying a property to let.* If you are buying an existing portfolio or an existing rental property, then you are far more bankable than starting from scratch. This will mean you can rapidly expand your portfolio without hesitation and established rental properties may have tenants living in them already.

Buy rental-ready properties
Some landlords who are retiring or have not done their research have been scared by legislative changes. Choosing to sell their rental-ready, buy-to-let properties gives you the opportunity to rapidly expand your portfolio. Every industry goes through big changes at some point. The Renters Reform Bill is currently passing through Parliament, and though it will not become law for some time, some less informed landlords are exiting the market, citing this and other legislative changes as the reason. The reality is that if you do your research, all these changes will protect your investment and create more opportunities for you to prosper.

Talk to your agent
Knowledge is the key to unlocking the secrets of success in the buy-to-let market. This is imperative in today’s reforming rental market. With so many changes taking place and so much to think about the right agent can guide you along the right road. A great investment starts with finding the right property, and that starts with the right agent. Managing your property and placing good tenants, which is becoming increasingly important, is something a good agent prides themselves on, not to mention local market knowledge and a vast database of buyers, sellers, and tenants.

Get in touch today to see how we can help take your property portfolio to the next level.

Zoopla*

 

If you let a holiday home, you may already be fully booked for the summer. Holiday homes are in big demand, both to buy and rent. Perhaps you are in the fortunate position of owning a holiday home for your own personal use, or maybe you do both. Holiday homes, like any other home, should be special places where happy everlasting memories are made, but unlike your private dwelling you can’t put repairs or maintenance on hold. You want to make sure everything is in tip-top shape to get those glowing reviews, which will help fill your diary far into the future.

Create a check list
It pays to be organised when it comes to property. Inspect your property regularly. Start with the basics and create a to-do list. Using your phone is a good tip because you can take pictures of repairs or issues that need addressing to accompany your notes. If you need to hire help, this saves a lot of time if you live a good distance from the property’s location. Whether you keep notes on your phone or on paper, create sections. Needless to say, you want everything to be as perfect as you can get it. Check everything, from the garden to the bathroom. It’s most likely that you will employ a cleaner. Remember to listen to the feedback of your guests, perhaps by reading the comments book.

Safety checks and insurance
It’s really important to keep on top of any safety checks and to have the correct certification, from gas safety certificates to electrical testing. You want your guests to have a great time, but their safety is paramount. It’s important to take out the right level of cover. From public liability insurance to building and contents cover, you don’t want to invalidate your policy by not keeping up to date with safety checks.

Make your guests feel welcome
Making a good first impression immediately puts your guest in a great mood. Chocolates and a bottle of wine or champagne, depending on what level of the holiday market you are entering, are always a great way to make your guests feel welcome. Simply paying attention to detail and keeping your holiday home in good order is equally important. A good play area for young families, polished glasses, or a hamper when everything is spotlessly clean, drawers full of good cooking utensils, and a nice corkscrew all add up to make your holiday home sublime.

A managed holiday let service
Holiday lets can be extremely lucrative. At the height of the season and in many locations, all-year-round revenue can be very strong. You can charge significantly more for a holiday let compared with letting a rental property. This could leave room in your budget to use a managed service, which could take care of everything from bookings to maintenance, cleaning, and gardening. Holiday homes involve more work with your guests changing so frequently, so for many, this service is a must-have.

Finding the right holiday home
Finding the right holiday home for business purposes or for you and your family to enjoy starts with a good agent. Holiday homes today are not always idyllic cottages peering over the deep blue sea. From urban locations in the form of flats, apartments, and houses to country retreats, the right homes appear in all shapes and sizes. The sky is the limit when it comes to choosing a property, and that sky does not always have to be blue. Probably a good thing!

Browse our properties to find your holiday home this summer.

 

Making a house your home is important and the great advantage of renting is that you will never be asked to fork out thousands on costly home renovations. Often, it’s the little things that you can do that will make a big difference. The number of people choosing to rent is increasing, and today there are so many affordable and interesting ways to make the most of your home.

Talk to your agent
A good first step is to talk to your agent or landlord. Many will be perfectly happy for you to paint or change wallpaper, so long as the work is carried out to a good standard. Others may not permit this but allow you to add shelving or improve the garden. It’s always best to check specifically on whatever it is you have in mind to improve.

Flowers, plants, and herbs
Keeping your home in good order, keeping it clean, and paying your rent on time will keep your landlord on side. In time, that could lead to more freedom to make the changes you desire. Adding a few plants to your sitting room and bathroom or your favourite flowers to the redundant fireplace at this time of year will add vibrancy. Why not grow some of your preferred fresh herbs in the kitchen or a tomato plant and fill your home with delightful scents?

Lighting
The choice of lighting available on the market today is endless. From outdoor solar lanterns and free-standing table lights for inside, to scented candles for either. Get creative and let your imagination run wild; use lighting to create mood and atmosphere for relaxation or task lighting for when you need to focus.

Garden
Perhaps it is stated in your contract that you are responsible for the garden. If so, you may have more room for creativity. Plant your favourite plants and add some sculptures of pieces that you love. Hang some lanterns or grow some of your favourite fruits in pots so you can take them with you if you decide to move.

Create an outdoor living space
If you have a balcony, backyard, or substantial garden, add vertical gardens filled with the flowers, fruits, herbs, or plants you love. Add some candles, outdoor furniture, a pizza oven, a firepit, or a barbeque. Perhaps yoga is your thing, and you want to add a small portable water feature to complement the sound of relaxing music.

Furniture
If you are buying furniture for your home, it’s always a good idea to think about how adaptable it is. Neutrally coloured, modular furniture that can easily be rearranged for your next move or to simply change with the seasons when you fancy moving things around for summer.

Wallpaper panels and wall hangings
If you can’t change the wallpaper, then simply make or buy some wallpaper panels or wall hangings. Decorated to your design and tastes, they will make a big impact and are a cunning way to hide any imperfections.

Prints and pictures
Hanging photographs of special moments or places you are passionate about is a relatively inexpensive way to add something special to your home. A perfect sunset in a place that you love, captured in a photograph, will brighten up your walls. When combined with the right lighting, such details add serenity to your mood and increase your feelings of well-being.

Mirrors and murals
Mirrors will add light and space to your rooms, making them appear larger. Experiment with the various styles of mirrors now available or place them on opposite walls and enjoy the effect! Murals work well in children’s rooms, making a big impact without any permanent changes.

Add a bit of you
This is really important; your home, whether it’s rented or owned by you, should tell the story of your life. Display your passions, collectible pieces from your travels, and the flowers and colours you love. There is no right or wrong when it comes to decorating; simply make it work for you, and others will most likely love it too.

Renting a new property does not take long.

Browse our properties to find your perfect place today.

 

There is no doubt that even in this sometimes-rainy climate, alfresco dining has increased. Outdoor living spaces are what you make them, and today, the scope for creating your perfect outdoor space is limitless. An outdoor kitchen makes a lot of sense for a UK-based property because it creates a sheltered area for you to enjoy even if the weather is changeable.

Add a pergola
A good move is to build a pergola to shelter your kitchen; that way, you could potentially use it all year. Place your kitchen against your garden wall or simply arrange it however it feels comfortable for you, but keep in mind that you want your outdoor kitchen to be a sociable space so you and your guests, family, or friends can chat and get involved in your evening.

The size of your space is not important
You don’t need to have a vast outdoor space to build an outdoor kitchen; in fact, sometimes the more compact the space, the better. There are a huge variety of ovens, barbecues, and electric hobs to choose from. Anything goes, so design it your own way. If pizza and wood are your preferences, consider building your kitchen with wood, leaving space for a pizza oven.

Build around the barbeque
Perhaps you like a traditional, real charcoal barbecue. Build your own barbeque using bricks and match them with some walls that will support your food preparation areas. You may decide to make your work surfaces moveable so that they can be stored in the shed during the winter months. On the other hand, you may own a feature barbeque, and that could be the centrepiece of your kitchen.

Make it a moveable feast
Using free-standing tables or wheeled furniture is ideal if you are planning on setting up your kitchen for a few months, a few hours, or forever. If you love tiles, then tile a table or source one. There are plenty of furnishing options that can complement your dining table.

Two in one
If you have always liked the idea of having a bar in your garden or outdoor living space, consider building it large enough so that it could also serve as a kitchen. That way, you will have solved two problems with one simple solution. Build it yourself or buy it, then stain it, and it will last for years. Add some bar stools to make it a social hub for your friends and family.

If you build, do you need planning permission?
The short answer to this question is no, as long as you don’t exceed 2.5 metres in height and your structure is less than 2 metres from your property. The positive aspect of building something more solid is its durability and all-year-round usability. Add an outdoor heater or log burner, and you could feast even when it snows!

Will an outdoor kitchen add value to your home?
Any improvements you make to the outdoor living spaces of your home will most definitely add to its value. Creating outdoor spaces that seamlessly flow from your home's indoor living spaces is becoming a must have. No longer an unattainable luxury, making them highly desirable and sought-after.

Browse our properties to find a home with the perfect indoor and outdoor living spaces for you.

 

In June, average new seller asking prices fell by £82 (-0.0%).* The summer property market always heats up and then takes a little sidestep as the holiday season kicks in. However, the average price of a property coming to the market jumped in May by +1.8%, which was higher than expected.* This is yet another sign the summer property market is performing well, and now is still a good time to choose the home you want. But how does this act as a breather and benefit the market?

Buyer demand
During the first two weeks in June, buyer demand was 6% higher than the same period in 2019’s pre-pandemic market.* So if you are thinking about putting your home on the market, now is a great time to do it. Prices are still strong, and your property will have increased rapidly and significantly in value over the past few years, so you will achieve a great price.

The property market takes care of itself
It’s not always healthy for asking prices to constantly grow month after month. The summer property market is hot enough, and it’s better for it to be stable rather than overheat. A little splash of modesty reassures the market and simply brings it back to where it should be if the market gets ahead of itself.

The property market takes care of you
The market has had a lot of challenges, yet it remains resilient. As it slows in pace, this creates a much more predictable environment. This means sudden changes are unlikely, meaning you will not get caught out when achieving a good selling and asking price when you are in between homes.

Better negotiating power
When the market pauses and it’s time to make an offer, you have a better chance of getting well-calculated offers accepted. Your agent will know the market inside and out and can advise you on an up-to-the-minute pricing strategy.

Does the price really matter?
Price and affordability are very important when considering which home to buy, particularly if you are taking out a mortgage. The value of property increases and decreases slightly in the short term but always rises significantly in the long term. So in many ways, it’s about affordability, not property price rises.

Can you put a price on happiness?
Finding the right home that suits your needs and desires is important. You will most likely spend many years of your life in your new home. Your property is more than bricks and mortar or an investment; it’s a living, breathing part of the family.

The law of averages
You are not a number, and neither is your home. Each person’s home is as unique as they are. It could be that you surpass all your property expectations. Whether this is from achieving a great asking price or simply finding a home that fulfils your dreams for a lot less than you imagined. As the market stands, it’s not about making quick money but rather buying an awesome property and making the most of it.

Browse our properties to view the homes you could be missing out on.

Rightmove*

 

Making decisions can be difficult at the best of times. Buying a home is a big decision, so you can’t be blamed for becoming a little pensive or perhaps even anxious about making your move. Deciding whether you are going to move now or wait and see what happens is a dichotomy for some buyers. As soon as you turn on the news, you will no doubt be bombarded with the cost-of-living crisis, another interest rate rise, or another reason to worry. It’s little wonder some people decide to sit on the fence. But could doing that cost you more money?

Waiting for interest rates to fall may not save you money
There is little doubt that we have been spoiled in the past with ultra-low mortgage interest rates, and many analysts argue that they will never fall to this low level again. Inflation is falling, which will lead to a reduction in interest rates in the near future as the Bank of England expects inflation to fall to 5% by the end of this year.* In the meantime, as interest rates increase by small amounts, if you are not on a fixed-interest deal, your mortgage will increase. But while these small increases may feel unfair and, for some people, mean squeezing their budget, they could be insignificant in the face of rising house prices. Interest rates are also peaking, which means in the not-too-distant future they will come down.

Rising house prices balances your budget in the long run
Most people who buy a home in the UK will keep it for many years. House prices may fluctuate just as interest rates do. Despite the numerous recent rises in interest rates, average asking prices in May this year increased by 1.8%.** Interest rates are peaking, which means they will shortly begin to decrease. As interest rates and inflation continue to fall, house prices will ascend again. So, if you are waiting to see what happens, you run the risk of paying more for the home you want in the future. In February 2013, the average UK house price was £167,682 in February 2023, that figure stood at £288,000. *** Set against this longer-term perspective, if there are sudden and significant changes in the market, the reality for most homeowners is that their properties' value in the long run will cover the cost of these short-term increases in interest rates.

Properties are unique
There are no hard-and-fast rules. Local property markets are layered with unique and differing qualities. Whatever the national economic conditions are, the potential to gain equity in a home due to its condition, location, or potential can secure your investment in the face of challenging times. The possibilities are endless, and there is always room to buck the trend in a big way. The only limit is your imagination.

Mortgages
There is a huge choice of mortgages available on the market. Knowing that you can change your deal or re-mortgage when interest rates fall again has made some buyers think outside the box. Options such as porting, 35-year mortgage deals, green mortgages, 100% mortgages, and interest-only mortgage deals could decrease your monthly outgoings - if that is a factor when it comes to buying the home you want now. In the grand scheme of owning your home, high interest rate costs will essentially evaporate over time.

Are you fed up with waiting to make your big move? Browse our properties today.

Bank of England*
Rightmove**
Office for National Statistics***

 

With fantastic views, minimal effort, and trendy, modern, and classical designs, apartments and flats are as appealing as ever when it comes to buying a place to live. So, it’s little wonder urban areas and remote locations are seeing healthy levels of interest in this convenient way of living.

Demand for one- and two-bedroom flats across the UK increased from 22% to 27% in the year to February 2023, while one- and two-bedroom flats for the same period in London accounted for 49% of demand.* There are a number of reasons for this. Easy living
If you don’t want to be weighed down by a big mortgage or large monthly bills, flats are the way forward. Often located near good transport links, shops, and amenities, adding to a potentially great social life with bars, pubs, and other apartment owners on your doorstep, life can be easier and potentially more fun than living in other forms of property.

Low maintenance
It’s most likely you will not have a garden to worry about, and if you do, it could be maintained for you. Alternatively, you may enjoy a balcony as an outdoor space, in which case you can enjoy the novelty of good views and a different perspective on things. It’s easier to keep on top of cleaning with little or no maintenance involved.

Cost of living
As interest rates rise and the cost of energy soars, although right now some of these expenses are at last reducing, simply heating a flat often costs much less than even a modest terraced house. Decorating and revamping an apartment is most likely to be more affordable.

First steps and more
Typically the domain of first-time buyers or perhaps individuals who have chosen to retire, apartments are becoming increasingly popular with a broader demographic as they improve in size, quality, and location.

A great investment
The demand for flats and apartments is always high. If one day you wake up and decide you want to rent it out, you are guaranteed to get a good income without facing costly maintenance bills. And because of this rental and buyer demand for properties of this type represent a stable investment.

Energy-efficiency
Consuming less energy for heating and lighting thanks to good insulation and proximity to other buildings makes flats more energy efficient. And if they need updating to improve this, then those costs are also significantly less than for larger properties.

Downsizing
Many people are downsizing. Perhaps the family has flocked the nest. An increasing number of people choose to live life as an experience, want to spend more time and money travelling, have hobbies or work in many locations throughout the world, and don’t want to be tied down.

Outlook for the future
The UK property market is proving resilient and offers a huge diversity of architecture and property options for you to choose from and enjoy. Whether you buy a flat as a buy-to-let, as a private dwelling, or both. Demand is expected to grow solidly well into the future.

Looking for a house or an apartment? Browse our properties to find the one you want to buy.

Zoopla*

 

Dreams can come true. It does not have to be a winning lottery ticket, a phenomenally successful business, or making it as a world-famous actor, artist, or athlete that provides the means of living a fairy-tale life in the castle of your dreams. The UK is a land full of castles and magical homes that are the envy of the world. With that in mind, here are a few ideas to make your dreams of owning a castle a reality.

Buy with others
With some castles on the market in the UK hovering around £1 million, it’s a tempting idea to buy with a selection of family or friends. Sharing the costs, particularly those associated with repairs and maintenance, could be achievable with the right approach. There is scope to become self-sufficient when producing energy, and the more people that share the costs, the less the financial burden. Creating a strong, legally binding contract between those you trust will allow you to live an enchanted lifestyle without any worries haunting you at night.

Create the ultimate holiday destination
Indoor and outdoor space are not going to be in short supply. You could create holiday apartments and rooms and develop a hotel or guest dwelling. Outside lodges and camping may be a possibility, as may purpose-built holiday lets. The revenue created from these is always in demand and can be very lucrative all-year-round.

Create a spectacular place to live
Many castles have a vast number of bedrooms; some of these could be converted into flats or apartments, which would provide you with an exceptional level of income as you could share the dream with people who do not or can’t afford to buy a castle. Many people love the idea of living in a piece of history, with all the accompanying grandeur, without the fear of living in such a vast property, especially at night when it’s time to switch off the lights.

Become a food supplier
The UK is a world-leading producer of artisan food, from beer to bread, berries to beef, sweets to savouries, and vegetables to vegan products. What better way to become self-sufficient while supplying fresh and healthy food to domestic and overseas markets while making highly lucrative returns?

Create a day out
The possibilities are endless. From historical tours and outdoor activities to hosting sporting events, ghost hunts, and artists’ weekends to facilitating conferences and the events of organisations and clubs. Wedding venues, nature walks, health retreats, fishing weekends, to murder mystery weekends. Create a diary of events and make your castle earn its keep.

Find an investor
Having a strong vision for your castle is everything when it comes to finding an investor. The more detail you can provide with projected income leading to profits, the more likely you are to find an investor. As time goes on and a business is born, banks are more likely to get on board, which will allow you to take full control of your destiny.

Whether you want a cottage, a castle, or something in between, find your dream home by browsing our properties.

 

The early summer months are traditionally a busy period for the UK property market. It’s a gorgeous time of year to view an abundance of beautiful properties. Many people are on the move. While it’s still a hive of activity with a huge choice of homes, the property market takes a little summer siesta as homeowners take a holiday. This gives you a chance to make your move. But don’t be fooled into thinking it will last for long, so if you want to take advantage of it, you need to be quick.

The summer property market is resilient
The summer market is vibrant, with the average new seller asking price falling by just £82 (-0.0%) in June to £372,812.* Despite the various challenges, including rising interest rates and the cost of living, the property market is resilient and in good shape. This change in prices is negligible in percentage terms, and a side-step can be a healthy pressure release that allows the property market to cool off.

View your ideal home from the beach
Sometimes getting away from it all can help bring about clarity of mind, which is very useful when you are making big decisions. Perhaps the beach or poolside is the perfect place to peruse your potential properties. And a good time to discuss your big move with your partner while you are away from the hustle and bustle of everyday life.

Enjoy quieter roads to your new home
With schools closed for the summer, the roads become quieter, and you can drive to viewings with less stress. This means you can relax a little more and take a bit more time to enjoy your viewings. With an increased sense of calm, talk to your agent, who will expertly guide you through your potential new home and anything that helps you with your home move.

Leave your agent to sell your home while you take a holiday
Hop on a plane, boat, or if you’re jumping in the car to drive to your holiday, whatever you are doing if you have made the decision to sell, leave it with your agent and enjoy your holiday. Perhaps by the time you return, your house will be sold.

Make an offer with less competition
With fewer people around, you may be able to open the door to making an offer below the asking price and getting it accepted before others have even viewed the property in question.

It’s the perfect moving season
With more family members to assist your big move and longer, warmer days to enjoy once you are settled in, the summer is perhaps the best time of year to move. And you may be able to save some money on home removal costs with more hands to help. If you hire a removal company, you may find it easier to find the right help.

Enjoy your new home
When you have finally moved into your new home, you may still have time to make the most of it during the warmer months of the year, when utility bills are a little lower. Any outdoor improvements, from weeding the garden to adding to your outdoor spaces and simple maintenance, can become a joy rather than a chore.

Take advantage of the summer holidays and find the home you love. Browse our properties.

Rightmove*

 

If you are a landlord and are frustrated by the continuous rise in interest rates when all you want to do is start or expand your property portfolio, taking out an interest-only mortgage could be the answer. Many seasoned landlords choose this option when investing in property, even during the good times when mortgage interest rates were ultra-low.

Demand is incredibly strong
A survey conducted by paragon of 700 buy-to-let landlords found that 67% reported tenant demand over the first three months of 2023, up from 65% for quarter four of 2022.* Rents are increasing all the time, and one of the main reasons for this is rising interest rates. As a landlord, this will most likely be your biggest expense.

What is an interest-only mortgage?
Just as the title suggests, you only pay the interest and not the capital on an interest-only mortgage. At the end of the agreed-upon term, you must pay off the entire balance owed. Because you are only paying interest, your payments will be much cheaper compared with a capital repayment mortgage. Some landlords choose to sell their property to repay the outstanding balance.

So why choose an interest-only mortgage?

• Increased profit: if your payments are lower, there is far greater scope to make a profit from your buy-to-let business. This also gives you stability and lowers the price of your overheads, which could be less than half of that when repaying a capital and interest mortgage.
• Overpaying: while it’s possible to make overpayments on an interest-only mortgage, this will typically only reduce the amount of interest outstanding on the mortgage. If you choose to do this, your profit will increase further, giving you more options to expand your portfolio.
• Your property’s value: in the long term, property increases in value. It’s not an absolute guarantee, but if you look into the past, despite short-term rises and falls, property values have significantly increased. This is not expected to change in the future. Therefore, it is reasonable to assume that at the end of the term of your mortgage (or if you sell up half or part way through your investment), there will be a profit between the capital outstanding balance on the amount you owe your lender and the selling price of your property.
• You can develop and improve the property: with more profit to plough back into your property, you can develop it. This will add to its value, ultimately increasing how much rent you can charge. And when it’s time to sell up and move on to bigger and better things, you will achieve a greater return on investment. The greener you make your property, the more rent it could fetch while future-proofing your investment.
• Security: preparing for the unexpected is a sure way to protect your investment. And by choosing an interest-only mortgage with fewer outgoings, you are already in a better position should the unexpected occur.
• You can always change mortgages in the future: as you become more seasoned as a landlord, you may devise a strategy so that you own your buy-to-let property outright. There is nothing stopping you from changing your mortgage type after a few years. And in the meantime, use the profit you make with an interest-only mortgage to use as a deposit, reducing the cost of a capital and interest mortgage.

Browse our properties and create the buy-to-let portfolio you have always wanted.

Paragon*

 

Finding the right property is so important. You want to feel happy, content, and safe in the place you call home. And sometimes it’s not easy to find everything you're looking for under one roof.

A greater choice of properties
A good chat with your agent is always a great way to start your search. When all is said and done, it all starts with finding the right home for you. Agents often know about properties that are coming on the market before they are advertised. This means you can get an early notification on a property that could be ideally suited to you before it’s snapped up. And by telling your agent what you are looking for, they become another pair of eyes in your search. If you do all of this yourself, you may miss an opportunity, and agents are good at pointing out something you may have missed. Or opening your mind to a property that you may not have considered.

A friendly and supportive team
It’s good to have an ally when renting a home. Agents only use good, law-abiding landlords, and it’s a comforting feeling knowing that there is someone else on your side. Often with an entire team of people who have your best interests at heart. It means you never have to worry about getting in touch with your landlord; simply call or get in touch with your agent, who will have a dedicated team to take care of everything for you. From protecting your deposits, the health and safety of the property, and maintenance to understanding your rights and responsibilities, your agent will have your back.

Letting agents have to be compliant
Like so much in life today, there are lots of checks that need to be carried out. And using an agent ensures that all necessary checks on the property you want to rent have been carried out. From gas certificates to smoke alarms and references to your deposit, all other checks will be carried out to a high standard, so you don’t have any sleepless nights.

A good tenancy agreement
Knowing your rights is important and having them backed up with the right contract is imperative. Sometimes contracts can be confusing and cryptic. Good agents will explain your rights and make sure that your contract is in your best interests. And if you have any worries or concerns, they are just a phone call away.

Maintenance issues will be solved quickly
If your property is managed by your agent, then when it comes to repairs or emergencies, a good letting agent will most likely prevent these things from happening in the first place. But if unforeseen repairs come about, you can rely on them to take care of things for you instead of trying to get in touch with your landlord.

Agents keep up with trends and legislation
Not many things in life stay the same, and with the Renters Reform Bill on its way, understanding your rights has never been more important. It’s one thing to understand them, and it’s another to implement them. Agents are aware of constantly evolving legislation when it comes to energy efficiency as well as new trends, and all these things add to the quality of your life.

Accompanied viewings with an expert
Many good agents will accompany you on viewings, and this is the length to which agents will go to make you feel happy about your choice of property. You can explore your new home while asking as many questions as you like. This gives you a chance to get to know your potential new home in detail before making a decision. It’s this dedication to detail and personal service that, for many, makes a good agent a must-have.

Get in touch with our team of property experts today to see how we can help you find the best version of your home.

 

No matter how advanced technology becomes, there is nothing quite like face-to-face property viewings. This is particularly true because you can get a sense of how you feel about the property, and when you are investing a lot of money in bricks and mortar, you can’t be blamed for wanting to get up close and personal with it as much as possible. But with all that said, virtual viewings have many great benefits and can enhance your home-hunting experience.

There are a few ways you can conduct virtual viewings
Virtual tours are an established part of viewing properties online, and you can easily move about inside your potential new home online with most agents offering 3D viewings. Thanks to WhatsApp, Facetime, and Zoom, bespoke real-time video tours with your agent can easily be arranged, with the advantage of being able to talk to your agent as you view the property. You can ask as many questions as you like and direct your agent to certain features of the property.

You can conduct virtual viewings from anywhere
It could be that you are just on the other side of the city or that you are too busy to stop everything to attend a viewing. Wherever you are in the world or whatever you are doing, you can explore your potential new home or investment, and that saves you a lot of time and money if you are working or located overseas. Gone are the days when you had to fly home before you made a decision or an offer.

Virtual viewings when you are selling
If you are selling up and you don’t like the idea of lots of people coming to your house to view, then virtual viewings can help. And if you are conducting your own viewings, you will not have to be home quite as much, so you can get on with life more easily.

Virtual viewings can give you more time
By arranging a virtual viewing, you are giving yourself a chance to quickly get to know your potential new property. This then gives you a little breathing room to think and compare your choices.

You don’t have to wait before you make an offer
If you love what you see and want to make an offer on a property, you can do it there and then. If you are in competition with other buyers, this can be helpful in getting to the front of the queue. Your agent, solicitor, or conveyancer can take care of the rest.

Virtual viewings can be used in conjunction with face-to-face viewings
You may view many properties virtually until you find what you are looking for. And if nothing else, virtual viewings help you narrow down the final contenders for the big decision. There is nothing to stop you from conducting a face-to-face viewing before you make an offer.

Contact us if you would like to arrange a face-to-face or virtual viewing with one of our agents today.

 

Preparing your home so that you can create priceless happy memories during the summer months ensures all members of the family are free to roam and play in a safe and fun environment. It also reduces stress levels when younger members of the family spend more time at home and can become a rowdy bunch when not at school. And if, like many people, you are considering moving to a better home, keeping it in order will help you achieve your moving goals. So, here are a few tips to help you make life easier.

Create some space
A change is as good as a rest, and moving and rearranging the furniture in your home to make it safer for your little ones to play will also showcase your indoor spaces for potential buyers. It may also give you some ideas on how to make better use of the rooms in your home while clearing out any no longer needed or tired furniture and other items.

Clean and de-clutter
It’s incredible and sometimes hard to believe how much space the little things in life take up. From bottles to utensils on kitchen worktops—things that you want to be out of reach of curious children—to old mail and the never-played-with-any-more toys. Cleaning is something you will be doing a lot of at this time of year, so why not go to town and clear out the closets and give everything a good clean? This will make it easier to maintain levels of hygiene, and cleaning up after the kids will be much easier. Your home will also look and feel more appealing during viewings.

Create a list of activities
By being organised, you can plan your day to fit around viewings. This will help prevent boredom for you and your family! It also gives you the means to plan your day and break different activities into manageable chunks, giving you all something to look forward to.

Sort your outdoor spaces
These are hugely important to buyers, and they need to be safe with no sharp edges for your buyer’s family as well as yours. Creating a perfectly amenable family dining area will give you a great place to enjoy happy alfresco memories. Outdoor spaces should naturally create a seamless flow from the indoors to the outdoors. If your home is very much a family home, perhaps a tree house could mean the new owners bought two homes for the price of one.

Make the most of your garden
There is little chance the children will want to help you these days! But if they do, what a bonus! That said, even if you are not a keen gardener, you could inspire younger members of the family with interesting flowers or fruit trees. Weeding and lawn cutting are a must to make the most of your garden’s appearance, but no prizes for guessing who will get that responsibility.

Will all this help you sell your home?
Absolutely; it’s all about achieving your asking price. And the numbers in property are big, so every little thing you do adds up to make a big difference.

Get in touch to see how we can help your family create a thousand wonderful memories by finding your perfect house.

 

Perhaps you need more space for your dogs, horses, or hobbies, and you want a house in the country. It could be that you are moving to the suburbs or need more space for your growing family. Whatever your reasons for buying a bigger property, now could be a good time to take the plunge so you can upgrade your home and enhance the quality of your life.

You could get more house for the same money
If you decide to move from an urban area to a more rural location, then you may be able to get the house you have always wanted for the same price as your current home. At the very least, your money should go further.

You could get a bigger discount
Demand for bigger homes in May was 1% lower than it was in 2019, compared with first-time buyer homes at 6%, and homes that fall between these sectors at 3% above 2019 levels.* Larger homes have always had greater scope for bigger discounts on asking prices. But right now, with the market favouring smaller homes and larger homes selling a little more slowly, you may have quite a lot more haggling power when it’s time for you and your agent to make an offer below the asking price.

Larger homes can be very energy efficient
Modern homes have become so much more energy efficient. With better insulation and the potential to create self-sufficient energy sources, you no longer have to dread monthly bills. So, running a bigger home is not as expensive as in years past.

Bigger rooms and more of them
You will have more space for friends and family to stay over. You could get a lodger to provide another stream of income or if you need extra space for new additions to the family. Maybe you want a gym or a hobby room or are looking to create the perfect work-from-home space with an awesome view.

A beautiful garden with more potential
Finally, you can have the garden you have always wanted, and this is where your only limitation will be your imagination. Inspiration is everywhere, and there is so much more you can do with more space. From creating great outdoor spaces and dining areas to tropical gardens.

Larger entertaining spaces
When it comes to those special times of the year—indoor and outdoor parties—the options larger homes offer are endless. You may want to create a games room, a bar, or an awesome indoor entertaining area that effortlessly flows to a magical outdoor area.

The garage or workshop
If working from home involves more than a computer screen and a phone and you need a workshop or a garage for your classic car or hobbies, then your budget could allow you to enjoy more scope for outdoor buildings.

Create multiple dwelling places
Bigger properties can easily be divided up into smaller properties. Whether you are creating a space for a teenager or an elderly relative. Perhaps you are interested in letting a room or creating flats for a buy-to-let business.

Browse our properties to find the home that fits your requirements perfectly.

Rightmove*

 

The buy-to-let market is undergoing many changes. Demand and rental prices continue to grow, with average asking rents outside of London rising for 13 consecutive quarters at £1,190 per calendar month, for new tenants during the first quarter of 2023. * This is good news for landlords because the increasing costs of interest rates and energy efficiency reforms are covered, and profits remain strong. Many of these changes and reforms can feel unsettling for landlords, which is why a good letting agent has never been more important. This is because, in order to protect your rights as a landlord, your property needs to be managed properly.

The Renters Reform Bill
This is on most landlords’ minds now and a cause for concern, but it needn’t be. Introduced to Parliament on May 17, 2023, but not expected to become law until October 2024. Its aim is to improve the lives of 2.3 million landlords. ** Section 8 will be strengthened, which allows landlords to end tenancy agreements early if they have good reason to do so. Despite the fears some have expressed about abolishing Section 21 "no fault" evictions, the reality is that it will make it easier for landlords to evict tenants for anti-social behaviour and repeated missed rent payments. And with the new legislation in place, landlords can insist on their tenants' pets having pet insurance, certificates, and, in the case of dogs, being microchipped. Landlords will be able to increase rents after a notice period. To make the most of this reform, landlords need to be compliant. By staying on the right side of the law, the law will protect you, ultimately helping you thrive as a landlord.

Referencing tenants
Agents have a database of tenants waiting to rent your property. But they will not do so unless the right screening process has been followed. Placing good tenants in your property is imperative and reduces the risk of any tenants who could act unlawfully while renting your property.

Experts on the property market
Agents know how to maximise your rent by understanding the market. From knowing which areas to invest to tips on making the most of your property. Expert agents who deal with tenants every day can protect your investment by understanding the competition and the latest trends.

Maintaining your property
Your property will be kept in tip-top shape by a team of reputable contractors who have a long-established relationship with your agent. Arranging inspections will give you peace of mind, and keeping your tenants happy will save you time and money by preventing costly repairs.

Preventing and sorting any disputes
By using an agent, your property, contract, and tenant placement processes will be kept compliant on all levels. This reduces the potential for any disputes, and if they do arise with an agent’s team behind you, any conflicts will be resolved quickly.

Time management
Managing property can feel like a full-time job; perhaps it is. From marketing to maintenance, contracts to conflicts, agents will save you time, stress, and worry. This frees up your time so you can concentrate on other aspects of your life, such as expanding your property portfolio while protecting your investment.

Excel as a landlord and embrace the changes that open doors of opportunity by contacting us today.

Rightmove*
GOV.UK**

 

Many people are on fixed-rate mortgages right now, and with the current rise in the base rate, it’s a good thing because it means your mortgage will not increase. But what if you want to move now and take advantage of the huge choice of inspiring homes available, and your mortgage deal is coming to an end?

Why another increase in the base rate?
The Bank of England raises the base interest rate to curb inflation. Inflation is the increase in the cost of goods and services, or the cost of living. The idea is that an increase in interest rates means more people will save instead of spending, which reduces inflation as there is less demand for goods and services. The rate of inflation is still way short of the Bank of England’s 2% target, but the bank expects inflation to fall to 5% by the end of this year.* There are a few reasons for this. Wholesale energy prices have fallen, and the price of imported goods is expected to fall as production issues are resolved and there is less demand for goods and services in the UK.

Here are a few things you can do now:
Interest rates may be a little on the high side now, so if you take out a mortgage now, there is nothing to stop you from changing your deal in a couple of years when rates are more favourable. In the meantime, here are a few options for you to consider:

• The Mortgage Guarantee Scheme: extended until the end of December 2023, this government-backed scheme has helped over 24,000 households get on the property ladder.** Its aim is to help people with a 5% deposit, and it was launched in April 2021. Aimed at first-time buyers, it’s similar to the government’s Help to Buy scheme, which ended earlier this year. So, if you want to take advantage of it, you need to be quick.
• 35-year mortgage deals: increasing the term of your mortgage could bring down the cost of your monthly mortgage payments. You may pay more interest because you are taking longer to pay for the home you want, but a property that may have been out of reach may suddenly be in your grasp.
• 100% mortgages: saving your deposit is often the biggest challenge to getting a footing on the property ladder. With the return of 100% mortgages, you no longer have this hurdle, and that will save you a lot of time, meaning you can start paying off your mortgage sooner rather than later.
• Interest only mortgages: another option to consider is an interest only mortgage, which could lead to much lower payments. If you have a lot of equity in your home, this could stand you in good stead when it comes to buying the home you want now.
• Green mortgages: many mortgage lenders now offer more competitive mortgage interest rates for greener, more energy-efficient homes. This, combined with lower energy bills, means that you could save significantly on your monthly outgoings. This means that the EPC rating of your home has never been more important.
• Consider porting your mortgage: porting allows you to move home with your existing mortgage. So, if you are happy with the terms of your current deal and it’s not about to end any time soon, then this could be a cost-saving solution. You may be able to borrow more, as many high-street lenders offer top-up mortgages. Speaking with your broker is important, as some lenders’ rules may differ.
• There is always a way: it could be that you are in the fortunate position of not needing to borrow or are on a fixed-rate interest deal. With the huge number of mortgage deals available and inspiring choices in properties, it’s worth talking to your agent if you are determined to make your move now.

Browse our website if you are looking for the right home with the best possible team to guide you in any way we can.

Bank of England*
GOV.UK**

 

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Tool theft is breaking new records, with 78% of tradespeople falling victim to tool theft in the past year alone and only 1% recovering their full kit.* When times get tough, crime rates tend to increase. With the cost-of-living crisis, many more tradespeople are seeing their tools stolen. If you can't work because your vital equipment goes missing, then it can cost your business heavily. That’s why it’s important to get adequate insurance coverage.

The consequences of stolen tools

• Your business could grind to a halt if you are unable to work without your tools.
• Your business’s reputation could be damaged if you can’t complete a contract on time.
• The cost of losing a contract due to delays or because you are not able to work can cripple your business.
• Some tools are complex and require proper setup, which can result in additional time and money expenses.
• With a shortage of raw materials, some tools may take longer to replace, which will delay your business further.
• Whether you operate by yourself or employ a large team, it’s not good for your morale or that of your team if work stops because of missing tools.

Why is tool theft rising?

• Your tools are in big demand
  The resale value of your tools has never been better thanks to a shortage in the supply of some materials. This has put the replacement cost of these items at an all-time high.
• Lack of traceability
  Unlike cars or certain electronic devices, most tools can’t be tracked, making them harder to trace and recover.
• Poor security measures
  Leaving tools on display in the back of your van or through the windows of your premises makes life easier for thieves.
• Tools are easy to transport
  Many tools are highly transportable. Easily loaded into a van quickly and with minimal effort, your tools are an easy target.

How can you minimise the risk?
There are many things you can do to try and prevent your tools from getting stolen, and these measures may help reduce your premium. Use CCTV cameras, alarms for premises, secure parking for vehicles, lockups, and lockable storage that is not on display. Mark your tools with your business name or postcode and do anything else you can to deter thieves.

How can insurance help?
Replacing tools is an expensive burden that could harm your business. It may take years to invest in and build up the right tools for your business. Having the right policy speeds up recovery if they're damaged or stolen, keeping your business running smoothly.

Get the right policies at the right premium
Various policies protect your business from sudden financial shocks . When it comes to your tools, you may need a specific policy depending on their value and your existing policies. Consult your broker to tailor the appropriate insurance package, including commercial vehicle, premises, and public liability cover, safeguarding your investment.

Contact us to protect your investment of time and money by getting the right business insurance.

 

As we approach the end of the year, temperatures are dropping, and dark nights are drawing in. Winter can be a magical time of year, but it also comes with its hazards. For this reason, it is crucial to be well prepared for the festive season so that you can look after your home and avoid any potential problems. It is also critical to review your home insurance policy and add any coverage you believe is necessary to protect your home during the harsh winter season.

Damage

Although snow can create some magical scenes in the winter months, a large amount of it can cause significant damage to your home. When snow and ice accumulate on a property's roof, they become incredibly heavy and can cause structural damage. The weight of snow can also force tree branches to snap, which is especially dangerous if you live near big trees. Cold weather can also cause pipes to freeze and possibly burst, causing substantial property damage.

It is best to address any concerns regarding masonry, roofing, plumbing, windows, and doors as soon as possible. Waiting times for jobs like these increase as we move closer to winter, so it is best to schedule any of these repairs sooner rather than later.

Most home insurance policies will usually cover snow and ice damage, but it is crucial to double-check the details of your policy to avoid unwanted surprises and to understand the limitations of your coverage. Damage caused by a lack of general maintenance is unlikely to be covered, so it is important to take all necessary precautions to reduce the risk of property damage.

 

Heating

At this colder time of year, it is important to make sure that your central heating system is working properly. Because maintenance wait times are much longer in the winter, you should have your boiler examined before the cold weather arrives.

Depending on the policy you have, your insurance may or may not cover boilers and central heating systems. A standard home insurance policy is unlikely to cover your boiler, but there are specific policies that can provide coverage for your central heating systems. This will cover the cost of maintenance and repairs, but you should still carefully study the policy's terms and conditions to understand exactly what is covered.

Burglary

As the end of the year draws closer, maybe you're making plans to spend time with loved ones over the festive period or to escape the cold for a few weeks. If so, you should make sure your home is secure, as burglary rates increase over the festive period.

Firstly, it is key to make sure your doors and windows are locked, whether you are at home or not. Doorbell cameras allow you to see who is at your door without unlocking it, as well as alerting you when somebody has approached your property while you are not in the house. To make people think that you’re home even when you’re not, it is recommended that you leave a couple of lights on in the house. You should also avoid displaying expensive Christmas gifts, as these could attract burglars looking for easy targets.

Although a standard buildings and contents insurance policy usually covers your home in the event of a burglary, you should check the details of your policy so that you can fully understand the extent of your coverage. Insurance companies may ask you to take steps to protect your home in order to reduce the likelihood of a burglary.

 

If you have queries regarding your policy's coverage or want to ensure you're well-protected against winter-related damages or burglaries, it's a good idea to talk to your insurance broker.

 

Contact us today for more information

 

• Less admin: One renewal date means less admin when it’s time to insure your fleet of vehicles with one policy.
  
  
• It’s cheaper: Insuring a fleet is much cheaper than insuring each vehicle individually
  
  
• Convenience: All your drivers can be insured to drive any vehicle in the fleet.

• Fleet size: The smaller the number of vehicles in a fleet, the cheaper the cost of insuring the fleet because fewer vehicles reduce the risk of a potential claim.
  
  
• Vehicle type: The replacement value, power, and fitted security of your vehicles will affect insurance costs.
  
  
• Fleet use: Every business is different; a taxi service belongs to a different industry sector than haulage, and the cost and policy details will reflect this.
  
  
• Drivers: Employing experienced drivers with clean driving licences will help reduce costs.
  
  
• Excess: Just as with your personal car insurance premium, the higher the voluntary excess, the cheaper the premium.

 

 

 

As Christmas approaches, both businesses and individuals rely heavily on digital technologies to maximise their financial returns and buy presents for loved ones. As a result, cyberattacks are recognised as one of the most significant challenges facing organisations and individuals alike at this time of year. To mitigate the impact of cyberattacks, make sure you have a cyber insurance policy in place to protect you against financial losses and liabilities caused by cybersecurity incidents in the run-up to Christmas.
Potential impacts of cyberattacks

Cyberattacks can have a wide range of potentially catastrophic effects on businesses of all sizes. Not only can they cause huge financial issues, but they can also cause other problems such as data breaches and reputation damage. Data breaches can result in identity theft, fraud, and violations of privacy, all of which can have serious implications for a company's reputation.

 

 

 

 

 

 

Individual cyber insurance

Personal cyber insurance is not just for businesses; individuals can benefit from it too. This is especially true in the festive period, when many people use the internet to shop for gifts for their friends and family. This time of year is a prime target for hackers who aim to steal personal information from online shoppers. They use a wide range of different tactics to do this, such as phishing emails, fake websites, and malicious adverts. If an offer or discount appears too good to be true, it probably is.
Cyber insurance protects you from a wide range of online threats, such as computer viruses, data breaches, and fraud. Costs incurred from identity theft and credit card fraud are typically covered within your policy limits, as long as they cannot be reimbursed by your bank. However, your insurance provider may not pay out if you have insecure passwords, your cybersecurity standards are not adequate, or if you have not included the relevant add-ons to your policy, such as ransomware protection.

 

Contact us today for more information on cyber insurance policies

 

Now that you have settled into your career and are gradually progressing towards reaching your goals and dreams, it’s important to think about insurance. As the years start to gain momentum, often more responsibility arrives with the rewards of your hard work. It’s not easy making your way in the world today. That’s why having the right insurance policies can be pivotal to protecting you from potential perils that could set you back years.

Car insurance

There is nothing quite like the freedom of owning your own car, but if you don’t insure it, you are breaking the law. You may have passed your test some years ago. Is now the time to think about getting your own policy to build your no-claims bonus? Maybe you want to reduce your premium by checking all the details of your policy, like annual mileage. When you buy a better car, you may want to upgrade your policy from a third-party to a fully comprehensive policy or with add-ons such as no-claims bonus protection.

Contents insurance

Starting over is expensive. Having the right level of contents insurance is a no-brainer. There is a policy for every conceivable situation, covering everything from your laptop to your clothes, to keep you fashionable, safe, and protected from the financial strain that comes with having to replace your personal belongings. Accidents can happen, and you don’t want to dip into your savings for your holiday or new home because you dropped your TV. It’s really important to check the details of your policy so you know your level of coverage.

Health insurance

The free health care that the NHS provides is the envy of the world. Do you want to avoid lengthy waiting lists or worry about any potential health problems that could affect the quality of your life? Private health insurance can offer more comfortable stays in hospitals with quicker access to specialist treatments. Your health is your wealth, and you want to protect it.

Critical illness insurance

If you have started a family and want to be able to provide for them in the event of falling critically ill or injured, this type of cover will pay out a lump sum that is tax-free. A form of life insurance, critical illness cover, is ideal if you have recently bought a home and worry about paying your mortgage if the worst should happen. And if you don’t have dependants or a mortgage, this type of cover offers you a real blanket of protection when it comes to protecting your future. This offers you a very reassuring feeling as you get on with your life.

Travel insurance

It’s not all about making sure you are covered if you get landed with a huge medical bill abroad, although that is a great reason to get travel insurance. If your holiday is cancelled or you have to cut it short because of a bereavement or illness, you could be compensated for the entire amount. This could save you thousands instead of paying for another holiday. There are many different types of policies, and some will differ in terms of what they cover. So, if you are going on a snowboarding adventure, you may need a winter sports policy.

Conclusion

Some insurance types are mandatory, like home insurance, which is required by your mortgage provider, or car insurance, which is a legal requirement. Other types of insurance are hugely important. It’s ultimately your choice as to which you place the most importance. Discovering this is down to your lifestyle, choices, occupation, and whether you have dependants or a mortgage. It’s impossible to predict the future, which is why the more protection you can get from various forms of insurance, the better.

 

Do you need to find affordable insurance to help protect your future?

 

Keeping in periodic contact with your customers may not always seem necessary in the insurance industry, but a recent survey conducted by Collinson Insurance has concluded that less than half of customers report to hearing from their insurer on a frequent basis.

The insurance sector is known to be a low contact industry, with customer contact mostly surrounding transactional matters such as policy renewals, amendments to terms and conditions, and policy updates. However, it has been found that customers are open to receiving helpful information from insurers more frequently (providing there is transparency about how their data is used).

It can be confusing for customers to understand what communications they have opted to receive, and what they have opted out of. This can cause some to unknowingly miss out on key updates and messages that relate to their policy area.

More informative communication sent to customers would create a more trusting working relationship, which could encourage more information to be discussed to support the calculation of insurance premiums, and ensure the right services are being sent to the right people.

The experience that a customer has with an insurer is crucial to obtaining loyalty and retention from them in a highly competitive market. The sector has an abundance of products and services to offer, but at times customers do not realise what is on offer to them. This can be attributed to the lower level of contact currently received.

A survey by Collinson found that interestingly, 63% of respondents were open to more communication from their insurance provider. 73% of these people interested in receiving more targeted communication related to services specific to them. A raised awareness of products and services would help customers to gain a better understanding of the types of insurance policies suitable for them.

Contact us today for more information

 

 

With many people going away for the holidays and homes across the UK becoming filled with expensive gifts galore – it’s no surprise that the festivities bring along an influx of break-ins each year. Although you shouldn’t have to expect that your home will be stolen from, burglars are relying on your lack of vigilance – which is why preventative measures are so important.
Here are some key tips to help you keep your home secure this season…
Festive lighting
A common mistake when outdoor Christmas decorating is to feed extension cables through partially open windows. This is a vulnerability that criminals are aware of, and they will be quick to take advantage of it. When it comes to outdoor lighting, safer options include solar and battery-operated lights, or installing outdoor electrical outlets.

Don’t display your empty gift boxes
If you’re unable to take gift packaging to a recycling centre, make sure you only put your rubbish out just before collection day and take some time to tear up/fold boxes inside out to ensure that your new valuable items aren’t being advertised to potential thieves.

Plan ahead for a break
If you’re planning on going away over Christmas, make sure to put your newspaper or milk subscriptions on hold as a doorstep full of missed deliveries will signal to thieves that no one is home. You could also ask a trusted neighbour to keep an eye out for parcels and keep hold of them until you return.

Be wary of social media
There’s nothing wrong with taking some festive snaps while you’re away with friends and family, and you shouldn’t hold back on capturing any memories. However, it’s advisable to wait until you're home to post pictures online, as revealing your current location on social media can flag up to burglars that your home is vacant.
Another mistake to avoid is posting pictures of any flashy gifts online. You may just want to show your appreciation to your loved ones, but it’s better to do so in private so that untrustworthy strangers aren’t being made aware of the contents of your home.

Don’t hide keysHiding spare keys outdoors is a bad choice that burglars are waiting for you to make. Although it might seem tactful to hide spare a key under a rock, a plant pot or above a door ledge, doing so is no different to leaving your front door unlocked at all times. Giving your spare key to a trusted neighbour or family member is a much safer option. Additionally, try not to leave keys in locks at night, as they might be reachable through your letterbox.

Home insuranceThankfully, home insurance does cover losses from theft, including instances that happen whilst you’re away. Buildings and contents insurance will cover your home in the case of a break-in, and above all else will provide you with peace of mind over the season when you’re supposed to be relaxing and enjoying yourself.

 

For more information, contact our team today.

 

We’re all looking forward to getting back to some level of normality over the festive period. 

However, it’s understandable if you’re still experiencing a few winter worries; and slipping and falling on ice this Christmas may not be your only concern. 

Whether you’re driving to work or meeting loved ones this snowy season, it’s important to be well prepared for the journey. 

Avoid any incidents this year with help from these top tips:
Firstly, ensuring your car is equipped with the right insurance is essential for driving in frosty weather. 

Collision insurance and Comprehensive insurance are your best bet when it comes to covering your car. 

Winter tyres 
Aside from a potential discount from some insurance providers (check with your provider), what benefit can winter tyres have? 

Firstly, winter tyres can offer a better grip for the car when driving, turning, and breaking. This can significantly increase the safety and comfortability of driving in cold weather. 

Falling tree branches
Mother Nature can be very unpredictable, so it’s important to make sure your car is fully covered this winter, as even the most unpredictable accidents could happen. 

Falling tree branches are more common than you may think and, although you have no control over whether a tree branch will fall on your car, choosing a comprehensive insurance will ensure you’re covered from these sorts of accidents. Additionally, choose a safe place to park, such as a garage or an area clear of tall trees.

Potholes 
Potholes can be a pain for drivers, no matter which month it is. However, during the winter months, potholes can be disguised with snow and will be difficult to spot until you’ve driven over them. 

Large potholes can cause severe problems with your car, such as suspension damage, tyre damage, or even your steering system. 

You can claim through your own insurance for damage to your wheels resulting from potholes. However, another thing to remember when driving in winter is to slow down. Driving at speed in icy and cold conditions can cause incidents that may have been avoidable. 

Find out more about how we can help keep your car covered on our website.

All businesses need cyber insurance cover in this growing digital age. This even extends to ‘brick and mortar’ businesses as they will also use aspects of digital technology, despite being a physical entity. 

Shockingly, two thirds of businesses show some lack of confidence in understanding and assessing their own cyber risk, which is why cyber cover is so essential to modern businesses.

The insurance sector is continually expanding to meet this demand, with cyber cover one of the fastest growing parts of the industry. It’s necessary growth, with the IT Pro Portal finding that businesses in the UK face an attack online every 2.5 minutes according to analysis from earlier this year, and the average cost of a data breach reaching £1,230 for smaller businesses. 

Businesses urged to be digitally responsible
As much as the insurers can provide protection to your company, it is also up to members of staff in the workplace to adopt safe digital working practices. You may recall a record £183m fine for British Airways as a direct result of a data breach which redirected customers to a fraudulent site and harvested the data of over 500,000 people. It was the first to be made under new Information Commissioner’s Office (ICO) rules which cited poor security arrangements as the reason behind the breach, which is particularly key as elements such as security negligence could invalidate any potential cyber insurance claim. 

What you can do to help
Businesses often focus heavily on external threats to their company but fail to remember the internal threat that equally poses great risk to their business. A disengaged workforce can lead to increased errors, lack of productivity, and carelessness, all of which can lead to cyber hacks such as falling for phishing emails or contacting the wrong email address. For the workforce to remain engaged, it requires continuous encouragement and awareness training from employers. 

What will insurers require from you?
Insurers will question the types of data that your business holds as well as your working practices which, will affect your premium. They may also ask if your company patches software vulnerability, or whether you use third party firms for security audits and assessments as part of your assessment. 

Taking measures to prevent cyber-attacks can not only reduce how much you pay for insurance but more importantly, increase your likelihood of an insurance pay out should anything happen. Some precautions that your workplace can adopt include hardware and software network security, data loss prevention procedures, multi factor authentication, and encryption.

With 5G technology set to transform industries with greater connectivity between objects, devices, people, and information, the digital risk is ever growing. Greater digital communication also creates a greater opening for vulnerability. The insurance market needs to keep in the know with all the latest developments to digital technology to ensure cover offered to its customers remains competitive and advanced. 

Travel insurance might seem like an unnecessary cost when you’re planning out your holiday, but this couldn’t be further from the truth. With long-range travel comes greater potential for things to go wrong, and travel insurance can protect you against all sorts of unexpected mishaps like cancellations, lost or stolen items, and medical emergencies.
The bottom line is, you can’t enjoy a holiday without peace of mind, so here are some top tips to help you save on your travel insurance without compromising on cover.

Decide on the right cover for your trip
The type of cover you will need depends on how long you’re travelling, where you are going, and who you are travelling with. You should also think about what you’re taking with you, as personal belongings might need covering if there are things in your suitcase that you can’t afford to lose!

Combine cover
You can get policies for an individual, a couple, a family, or a group.

If you are travelling with others, it may be cheaper to purchase coverage under a couple, family, or group policy rather than insuring everyone separately. However, if anyone that you’re travelling with has a pre-existing medical condition, it’s usually more cost-effective to take out separate policies.

Balance payment cost with excess
The insurance excess is the base amount of money you are required to pay before you can make a claim on your insurance. This factor often makes people take a moment to evaluate whether they really do want to make the claim.

Cheaper insurance usually has higher levels of excess, sometimes in the hundreds of pounds, which might be a suitable option for those taking a more laid-back holiday with a shorter journey.

Others may prefer to pay a lower excess, or even none, especially when travelling far and wide to unfamiliar destinations.

Check exemptions on your cover
Some policies may have exemptions, so you should always research before traveling. Some of these may include:

• Alcohol consumption
• Age restrictions
• Driving abroad
• Being reckless
• Travelling against medical or Foreign, Commonwealth and Development Office (FCFO) travel advice

Get your GHIC
A Global Health Insurance Card (GHIC) is free and entitles you to free or reduced cost medical treatment in the European Union (EU) in the event of a medical emergency. It replaced the European Health Insurance Card (EHIC) after Brexit. 

It’s important to note that your GHIC or EHIC card isn’t a replacement for travel insurance, and it doesn’t mean you’ll get free treatment everywhere. This card also won’t cover you for anything more than medical care and cannot pay to get you home in a crisis.

Make sure your holiday activities are covered
Standard travel insurance may not cover holiday activities such as winter and water sports. The riskier the sport, the less likely it is to be included in your policy. If you’re planning on some fun activities while you’re away, check your cover for what’s included and what activities you can add for an extra fee.

 

For more information about our insurance policies, contact us today.

If you’re running a business, company health insurance might not be at the top of your list of priorities, but the benefits of having a policy also known as business medical insurance are such that it’s well worth looking into. 

The basics:

Most company health insurance policies will offer the following:

• 24-hour GP and stress counselling helplines
• Cancer cover as either an extra cost or standard
• Treatment in a hospital of your choosing
• Mental health support

Quick access to this level of support will be hugely beneficial to both you and your employees, and means that absences could be reduced alongside less time spent out of the office attending appointments that disrupt the working day. 

What are the benefits for you and your employees?

It’s straightforward; having a company health insurance policy in place for your employees shows that you take their welfare seriously. Having that sort of safety net can help to make anyone working for your business feel more valued and means that it’s easier for your employees to access high-quality healthcare when it’s required, as opposed to falling victim to NHS waiting times or being unable to pay for costly treatment. It’s the sort of perk that will help you to retain your workers and create a positive workplace environment. 

Staff illness and absence can be hugely detrimental to a business, so having access to private easy-to-access healthcare makes it easier for you to manage employee absence, which can often have a serious knock-on effect on your business’ productivity. 

Focusing on Mental Health

Research provided by the Britain’s Healthiest Workplace survey conducted in 2017 has shown that the UK loses roughly £77.5bn per year due to physical and mental health issues. 

Mental health, in particular, is benefitting from increased awareness these days, meaning that there is extra responsibility on companies to display effective strategies for helping their employees to deal with mental health issues, such as depression and anxiety.  

The importance of showing your employees that you care about their mental wellbeing just as much as their physical wellbeing cannot be understated, and knowing an effective support network is in place to assist with issues such as anxiety and depression will help them to feel more comfortable working for you. 

 

 

If you’re running a business, company health insurance might not be at the top of your list of priorities, but the benefits of having a policy also known as business medical insurance are such that it’s well worth looking into. 

The basics:
Most company health insurance policies will offer the following:

• 24-hour GP and stress counselling helplines
• Cancer cover as either an extra cost or standard
• Treatment in a hospital of your choosing
• Mental health support

Quick access to this level of support will be hugely beneficial to both you and your employees, and means that absences could be reduced alongside less time spent out of the office attending appointments that disrupt the working day.

What are the benefits for you and your employees?
It’s straightforward; having a company health insurance policy in place for your employees shows that you take their welfare seriously. Having that sort of safety net can help to make anyone working for your business feel more valued and means that it’s easier for your employees to access high-quality healthcare when it’s required, as opposed to falling victim to NHS waiting times or being unable to pay for costly treatment. It’s the sort of perk that will help you to retain your workers and create a positive workplace environment.

Staff illness and absence can be hugely detrimental to a business, so having access to private easy-to-access healthcare makes it easier for you to manage employee absence, which can often have a serious knock-on effect on your business’ productivity. 

Focusing on Mental Health
Research provided by the Britain’s Healthiest Workplace survey conducted in 2017 has shown that the UK loses roughly £77.5bn per year due to physical and mental health issues.

Mental health, in particular, is benefitting from increased awareness these days, meaning that there is extra responsibility on companies to display effective strategies for helping their employees to deal with mental health issues, such as depression and anxiety.  

The importance of showing your employees that you care about their mental wellbeing just as much as their physical wellbeing cannot be understated, and knowing an effective support network is in place to assist with issues such as anxiety and depression will help them to feel more comfortable working for you.

 

Contact us today for more information

As we head towards the summer and the holiday season, if you’re planning on taking a trip or two, getting your travel insurance right could not only save you a headache but also a considerable amount of money.

To help make sure you’re suitably covered when you’re abroad, we’ve put together some helpful tips on some of the things you should consider.

Single-trip vs multi-trip
Depending on how many trips you plan on taking in a 12-month period, it’s worth considering whether it may be more suitable to purchase a multi-trip policy. If you’re positive that you’re only taking one trip this year, then a single-trip policy will, of course, be the best choice. However, if you’ve got two or three trips planned over the course of 12 months, a multi-trip policy could be considerably cheaper when compared to the collective cost of individual single-trip policies. This is especially true if your holidays are lengthy breaks or quite a far distance to travel e.g. outside of Europe.

The cover limits
Unfortunately, even when you're on holiday, things can go wrong. It’s important that you read the fine print and ensure you are adequately covered for certain eventualities such as illness, accident, injury or even cancellation of the trip. For medical expenses, most insurance experts would advise cover of £2 million, and for personal liability, it is recommended your cover limit is £1 million. While some policies may offer a higher limit for these expenses, this will most likely raise the price of your premium, so you should consider if the higher limit is excessive in order to avoid paying over the odds. 

The excess
Following on from cover limits, checking the excess of your cover is also vital. The excess of your claim is the amount you will be required to pay before the insurer pays out. Some policy premiums will look cheap at first glance, but it may be due to a large excess. It is possible to adjust your excess on some policies to a price you feel you are prepared to pay, however, keep in mind that this will have an impact on the premium. It is also worth remembering that some policies will include separate excess charges dependent on the incident. For example, a mugging could fall under medical costs and loss of personal belonginings, and result in excess being charged for both, so take an extra bit of time to read through all the details.

Your baggage
Baggage cover means that you are covered if your baggage is lost, stolen or damaged, with the average policy paying out in the region of £1,500. Before you add baggage cover to your travel policy, it’s worth checking if your possessions aren’t already covered under your current home contents policy. You should keep in mind that many insurers will have a limit on the payout for individual items such as phones, laptops or cameras. At times, it can be quite difficult to claim for items lost when abroad so, if possible, keep any receipts or evidence that you took the item(s) with you.

What else should you consider?

• Missed departure: A travel insurance policy will cover any additional expenses that are incurred by missing your flight, due to events outside your control.
• Loss of passport: Covering you for additional travel expenses as a result of replacing a lost passport.

• Delay: Covering you against any delays due to adverse weather, technical issues or industrial action, however, planned strikes will not be included.

• Scheduled airline failure: Covering you in the event of the airline going out of business.
• Cash: Covering you for loss of or damage to money held as cash.

Car breakdowns are inconvenient at the best of times, but for companies that rely heavily on travel for work, vehicle downtime can lead to serious loss of money and can affect both present and future potential business - if your customers decide to go elsewhere in the meantime.

In order to protect your ‘on-the-road’ business assets, we have summarised some of the key considerations that you need to bear in mind when you next take out a vehicle insurance policy.

What is fleet insurance?
Underinsuring or over-insuring your vehicles can cause any number of problems - most notably legal ones! - and yet finding the right policy for each and every one of your company vehicles individually can be time-consuming, expensive, and difficult to manage.

Fleet insurance policies solve this problem by offering companies the opportunity to protect all commercial vehicles under one policy with one provider.

This means that there is less administrative hassle, and only one policy renewal date necessary to maintain your vehicle coverage. A fleet insurance policy could also save you money as each car receives a discounted price.

Who could benefit from these policies?
These policies are not just suitable for companies with large car fleets. Any SME or small business with two or more company vehicles can acquire a fleet insurance policy. Regardless of whether you own cars, vans, motorbikes, taxis, minivans, or HGVs, your policy can be tailored to match your company’s requirements. 

Furthermore, this flexibility is not solely restricted to company vehicles. You can also decide how you wish to handle insurance for different drivers working at your firm. Having a valid UK license is a prerequisite, of course, but you can create your own criteria based on age or other relevant factors. Placing an age restriction at 23, for instance, could help lower the cost of your overall cover.

Types of fleet insurance
When it comes to insuring your company cars, never opt for the cheapest cover! Whilst this may seem tempting at the time, you could leave yourself open to high financial loss further down the line.

As is the case with personal insurance policies, there are three main levels of coverage ranging from complete to partial cover. A comprehensive policy offers the highest level of protection, whereas third party, fire and theft offers mid-level protection, and third party only offers basic cover.

Another key consideration concerns the nature of your business and your vehicle usage. Whilst a tradesman would be better suited to a ‘carriage of own goods’ policy, a fleet of taxi's would need public or private hire insurance.

Be sure to speak to an insurance broker directly in order to secure the ideal policy to suit all of your business needs, as to do otherwise could leave you unprotected!

 

Contact us today for more information

 

It’s easy to see why price comparison sites have become more popular over the course of the last few years; they streamline the process of finding the best possible insurance cover and are seen to be useful when searching for a good deal. But recent findings suggest that this ease of use comes at a cost.

According to the Association of British Insurers (ABI), using a comparison website when searching your car insurance can end up being more expensive, in part due to hidden commission costs that are paid to the websites which are included in the insurance prices offered. This, in turn, has caused car insurance premiums to shoot up on said websites.

Typically, price comparison sites require less details from customers, leading to assumptions about your driving habits that may not be true. This could lead to your insurance being invalid if an assumed answer is incorrect, costing you a fortune. 

Such presumptions can be particularly damaging when it comes to details of incidents and accidents on your insurance history that may not have even resulted in a claim but may be assumed to have resulted in a claim. This is because further questions were not asked, which could could cause drivers to pay for higher premiums than they need to. 

When taking out car insurance policies, it is important that you check the terms and conditions to ensure that your driving activity will not compromise the policy. A large proportion of people do not check the small print prior to taking out car insurance and so may not realise that they could break the rules of the policy without realizing. 

This can result in the policy being invalid. For example, you may have stated that you leave your car parked at home at night on your policy, but you may use your car to commute to night shifts. If something happens to your vehicle whilst parked at work your insurance policy may not be valid. This is because the insurers were not aware that your car is kept at work overnight most of the time, making the act of checking the conditions set out in your policy vital and a potential money saver.

 

Get in touch for more information

As a landlord, it is vital you properly safeguard every aspect of your portfolio. Should there ever be issues with collecting rent, damage to your contents, a home emergency, or an injury that you are liable for, you could be out of pocket and unable to afford the costs of maintaining your property.

There are policies tailored to the risks landlords face. Find out more below.

Landlord Liability
Should a tenant injure themselves on your property from such hazards as loose tiles or an ill-fitted carpet, then you could be held liable. If the injury leads to a lawsuit, a liability policy can assist you with:

• Your legal costs in defending a claim.
• Damages awarded to the claimant.
• The claimant’s legal costs, if you are found to be at fault.

Landlord Liability is often a legal requirement if you are renting your properties as student accommodation or social housing. As a safeguard, it could be argued that it is an essential policy to have in place, regardless of who your tenants are.

Are your properties furnished? You might want to consider Contents Insurance.
It is standard practice for most landlords to let their properties on the condition that the tenant can prove they have a contents insurance policy ready to be put in place on the day of the move. However, if your properties are furnished or semi-furnished, you might want to think about getting your own policy.

Items that belong to you, such as furniture, electrical appliances, and fixture and fittings can all be protected against damage or theft by tenants or third parties. The only thing you will need to clarify with your tenants is that the policy protects your contents and does not extend to their personal items.

Do you have a buy-to-let mortgage?
Most landlords will usually have a buy-to-let mortgage in place. Many providers will also insist that you have loss-of-rent insurance to cover your rent should you not have a tenant for an extended amount of time, or if your current tenant can’t (or won’t) pay the rent.

Loss-of-rent cover also protects you, should a fire or flood make your property uninhabitable. Your tenant will no longer be required to pay you rent, which could put your mortgage in jeopardy.

What about the inevitable home emergency?
Every landlord lives in fear of the dreaded phone call reporting a burst pipe or a broken boiler. To add insult to injury, the cost of an emergency call-out can be quite high. A home emergency insurance policy can assist in covering the costs of emergency repairs and call-outs.

The policy can also assist with the costs of maintenance work, like boiler services, which can help to prevent any serious breakdowns.

 

Contact us today so we can tailor your insurance policy

With recent reports stating that cyber crime is now the most common offence in the UK, cyber security has never been more important, especially for businesses. With cyber attacks on the rise, all companies must take the necessary steps to protect any databases they maintain, but most importantly the personal data of their customers and employees.
We’ve put together a list of 7 steps you can take to help make your business less vulnerable to cyber criminals.

Strong Passwords
While you may have heard it a thousand times, it is still always the best place to start. Having a strong password and a strong password policy could really save you from an attack. Using a strong password is the easiest and cheapest way to give your cyber security a boost and using 8 characters or more, with a variety of upper and lower case characters can go a long way.
It’s also important to keep your passwords varied. Using the same password for multiple accounts could be massively damaging if one of your accounts were to be hacked it would leave all of your accounts vulnerable.

Purchase anti-virus software
If your computer catches a virus, it’s not as visually catastrophic as you may think, your system won’t immediately begin crashing and then fade to a black screen. The reason it’s so important to invest in software to protect your system from viruses and spyware is because there are a lot of tasks being carried out in the background and that’s where the anti-virus software comes in.
A good anti-virus software will keep your system safe from the threats on both the front end and in the background, while also notifying you of potentially harmful websites and links.

Stay up-to-date 
Following on from the previous tip, in order to keep all of your operating systems, software and applications at their strongest, it’s important to keep them up-to-date. Cyber criminals are always looking for new ways to exploit your system, but at the same time, the developers of your system are constantly improving their security through updates and patches.

Ensuring that every system in your company is kept up-to-date on regular basis could potentially save you from the latest method of attack.

Check all links
One of the most common methods cyber criminals use to access personal data is phishing. You may receive email messages that appear to be from trusted sources or well-known brands that ask for your information or require you to click a link to confirm some of your details, however, by clicking the link you could be directed to an unsafe web location and your data could be vulnerable to an attack.

An easy way to check most links is by hovering your mouse over the link itself and it should show the exact address you will be taken to. Some email addresses may appear legitimate, however, it may just be displaying a fake contact name such as ‘Windows Support’ that if clicked would reveal a ‘011010.net’ email address.

If you’re suspicious, take an extra second to check that the link is secure before clicking through to a dangerous website.

Be careful when logging in while you’re out
In today’s world, there are plenty of us working while on the go, but it is vital that you remain extra vigilant when away from the office. Finding and connecting to free WiFi when you’re out and about can be a lifesaver, however, free and public WiFi can also be vulnerable to online criminals if the network is not protected properly.

If you can avoid using public Wifi, then it’s best to keep your companies’ data safe by not accessing the network at all. However, if you have to access the network, try using a ‘private browsing’ session so that your credentials won’t be stored locally.

Always log out
This rule applies at all times, but even more so when outside of the office. If you’re logged in to an account with sensitive information such as financial or personal data, ensure that you log out before closing your browser.

If another user were to use the same system after you close the browser, there is a good chance you will still be logged in to any accounts you have accessed during your previous session. It may seem tedious to go through all of your accounts and make sure you’re fully logged out, but it could save you in the long run.

Invest In Cyber Cover
Finally, to make sure your business is fully covered against the threat of cyber crime, take a look at the details of your current business insurance policy.Your current cover may not include cyber insurance as standard, leaving your business vulnerable if the worst were to happen.

Speak to us today and we can help make sure that your policy suits your business needs.

 

Contact us today for more information

 

With recent reports stating that cyber crime is now the most common offence in the UK, cyber security has never been more important, especially for businesses. With cyber attacks on the rise, all companies must take the necessary steps to protect any databases they maintain, but most importantly the personal data of their customers and employees.

We’ve put together a list of 7 steps you can take to help make your business less vulnerable to cyber criminals.

Strong Passwords
While you may have heard it a thousand times, it is still always the best place to start. Having a strong password and a strong password policy could really save you from an attack. Using a strong password is the easiest and cheapest way to give your cyber security a boost and using 8 characters or more, with a variety of upper and lower case characters can go a long way.

It’s also important to keep your passwords varied. Using the same password for multiple accounts could be massively damaging if one of your accounts were to be hacked it would leave all of your accounts vulnerable.

Purchase anti-virus software
If your computer catches a virus, it’s not as visually catastrophic as you may think, your system won’t immediately begin crashing and then fade to a black screen. The reason it’s so important to invest in software to protect your system from viruses and spyware is because there are a lot of tasks being carried out in the background and that’s where the anti-virus software comes in.

A good anti-virus software will keep your system safe from the threats on both the front end and in the background, while also notifying you of potentially harmful websites and links.

Stay up-to-date
Following on from the previous tip, in order to keep all of your operating systems, software and applications at their strongest, it’s important to keep them up-to-date. Cyber criminals are always looking for new ways to exploit your system, but at the same time, the developers of your system are constantly improving their security through updates and patches.

Ensuring that every system in your company is kept up-to-date on regular basis could potentially save you from the latest method of attack.

Check all links
One of the most common methods cyber criminals use to access personal data is phishing. You may receive email messages that appear to be from trusted sources or well-known brands that ask for your information or require you to click a link to confirm some of your details, however, by clicking the link you could be directed to an unsafe web location and your data could be vulnerable to an attack.

An easy way to check most links is by hovering your mouse over the link itself and it should show the exact address you will be taken to. Some email addresses may appear legitimate, however, it may just be displaying a fake contact name such as ‘Windows Support’ that if clicked would reveal a ‘011010.net’ email address.

If you’re suspicious, take an extra second to check that the link is secure before clicking through to a dangerous website.

Be careful when logging in while you’re out
In today’s world, there are plenty of us working while on the go, but it is vital that you remain extra vigilant when away from the office. Finding and connecting to free WiFi when you’re out and about can be a lifesaver, however, free and public WiFi can also be vulnerable to online criminals if the network is not protected properly.

If you can avoid using public Wifi, then it’s best to keep your companies’ data safe by not accessing the network at all. However, if you have to access the network, try using a ‘private browsing’ session so that your credentials won’t be stored locally.

Always log out
This rule applies at all times, but even more so when outside of the office. If you’re logged in to an account with sensitive information such as financial or personal data, ensure that you log out before closing your browser.

If another user were to use the same system after you close the browser, there is a good chance you will still be logged in to any accounts you have accessed during your previous session. It may seem tedious to go through all of your accounts and make sure you’re fully logged out, but it could save you in the long run.

Invest In Cyber Cover
Finally, to make sure your business is fully covered against the threat of cyber crime, take a look at the details of your current business insurance policy.Your current cover may not include cyber insurance as standard, leaving your business vulnerable if the worst were to happen.

 

Speak to us today and we can help make sure that your policy suits your business needs.

 

Car breakdowns are inconvenient at the best of times, but for companies that rely heavily on travel for work, vehicle downtime can lead to serious loss of money and can affect both present and future potential business - if your customers decide to go elsewhere in the meantime.

In order to protect your ‘on-the-road’ business assets, we have summarised some of the key considerations that you need to bear in mind when you next take out a vehicle insurance policy.

What is fleet insurance?
Underinsuring or over-insuring your vehicles can cause any number of problems - most notably legal ones! - and yet finding the right policy for each and every one of your company vehicles individually can be time-consuming, expensive, and difficult to manage.

Fleet insurance policies solve this problem by offering companies the opportunity to protect all commercial vehicles under one policy with one provider.

This means that there is less administrative hassle, and only one policy renewal date necessary to maintain your vehicle coverage. A fleet insurance policy could also save you money as each car receives a discounted price.

Who could benefit from these policies?
These policies are not just suitable for companies with large car fleets. Any SME or small business with two or more company vehicles can acquire a fleet insurance policy. Regardless of whether you own cars, vans, motorbikes, taxis, minivans, or HGVs, your policy can be tailored to match your company’s requirements.

Furthermore, this flexibility is not solely restricted to company vehicles. You can also decide how you wish to handle insurance for different drivers working at your firm. Having a valid UK license is a prerequisite, of course, but you can create your own criteria based on age or other relevant factors. Placing an age restriction at 23, for instance, could help lower the cost of your overall cover.

Types of fleet insurance
When it comes to insuring your company cars, never opt for the cheapest cover! Whilst this may seem tempting at the time, you could leave yourself open to high financial loss further down the line.

As is the case with personal insurance policies, there are three main levels of coverage ranging from complete to partial cover. A comprehensive policy offers the highest level of protection, whereas third party, fire and theft offers mid-level protection, and third party only offers basic cover.

Another key consideration concerns the nature of your business and your vehicle usage. Whilst a tradesman would be better suited to a ‘carriage of own goods’ policy, a fleet of taxi's would need public or private hire insurance.

Be sure to speak to an insurance broker directly in order to secure the ideal policy to suit all of your business needs, as to do otherwise could leave you unprotected!

 

Contact us today for more information

 

As a landlord, it is vital you properly safeguard every aspect of your portfolio. Should there ever be issues with collecting rent, damage to your contents, a home emergency, or an injury that you are liable for, you could be out of pocket and unable to afford the costs of maintaining your property. There are policies tailored to the risks landlords face:

Landlord Liability
Should a tenant injure themselves on your property from such hazards as loose tiles or an ill-fitted carpet, then you could be held liable. If the injury leads to a lawsuit, a liability policy can assist you with:

• Your legal costs in defending a claim.
• Damages awarded to the claimant.
• The claimant’s legal costs, if you are found to be at fault.

Landlord Liability is often a legal requirement if you are renting your properties as student accommodation or social housing. As a safeguard, it could be argued that it is an essential policy to have in place, regardless of who your tenants are.

Are your properties furnished? You might want to consider Contents Insurance.
It is standard practice for most landlords to let their properties on the condition that the tenant can prove they have a contents insurance policy ready to be put in place on the day of the move. However, if your properties are furnished or semi-furnished, you might want to think about getting your own policy.

Items that belong to you, such as furniture, electrical appliances, and fixture and fittings can all be protected against damage or theft by tenants or third parties. The only thing you will need to clarify with your tenants is that the policy protects your contents and does not extend to their personal items. Do you have a buy-to-let mortgage?
Most landlords will usually have a buy-to-let mortgage in place. Many providers will also insist that you have loss-of-rent insurance to cover your rent should you not have a tenant for an extended amount of time, or if your current tenant can’t (or won’t) pay the rent.

Loss-of-rent cover also protects you, should a fire or flood make your property uninhabitable. Your tenant will no longer be required to pay you rent, which could put your mortgage in jeopardy.

What about the inevitable home emergency?
Every landlord lives in fear of the dreaded phone call reporting a burst pipe or a broken boiler. To add insult to injury, the cost of an emergency call-out can be quite high. A home emergency insurance policy can assist in covering the costs of emergency repairs and call-outs.

The policy can also assist with the costs of maintenance work, like boiler services, which can help to prevent any serious breakdowns.

 

Contact us today so we can tailor your insurance policy

 

It’s easy to see why price comparison sites have become more popular over the course of the last few years; they streamline the process of finding the best possible insurance cover and are seen to be useful when searching for a good deal. But recent findings suggest that this ease of use comes at a cost.

According to the Association of British Insurers (ABI), using a comparison website when searching your car insurance can end up being more expensive, in part due to hidden commission costs that are paid to the websites which are included in the insurance prices offered. This, in turn, has caused car insurance premiums to shoot up on said websites.

Typically, price comparison sites require less details from customers, leading to assumptions about your driving habits that may not be true. This could lead to your insurance being invalid if an assumed answer is incorrect, costing you a fortune.

Such presumptions can be particularly damaging when it comes to details of incidents and accidents on your insurance history that may not have even resulted in a claim but may be assumed to have resulted in a claim. This is because further questions were not asked, which could could cause drivers to pay for higher premiums than they need to.

When taking out car insurance policies, it is important that you check the terms and conditions to ensure that your driving activity will not compromise the policy. A large proportion of people do not check the small print prior to taking out car insurance and so may not realise that they could break the rules of the policy without realizing.

This can result in the policy being invalid. For example, you may have stated that you leave your car parked at home at night on your policy, but you may use your car to commute to night shifts. If something happens to your vehicle whilst parked at work your insurance policy may not be valid. This is because the insurers were not aware that your car is kept at work overnight most of the time, making the act of checking the conditions set out in your policy vital and a potential money saver.

 

Get in touch with our expert team today to discuss all your property goals

 

If you’re planning on taking a trip or two, getting your travel insurance right could not only save you a headache but also a considerable amount of money. To help make sure you’re suitably covered when you’re abroad, we’ve put together some helpful tips on some of the things you should consider.

Single-trip vs multi-trip
Depending on how many trips you plan on taking in a 12-month period, it’s worth considering whether it may be more suitable to purchase a multi-trip policy. If you’re positive that you’re only taking one trip this year, then a single-trip policy will, of course, be the best choice. However, if you’ve got two or three trips planned over the course of 12 months, a multi-trip policy could be considerably cheaper when compared to the collective cost of individual single-trip policies. This is especially true if your holidays are lengthy breaks or quite a far distance to travel e.g. outside of Europe.

The cover limits
Unfortunately, even when you're on holiday, things can go wrong. It’s important that you read the fine print and ensure you are adequately covered for certain eventualities such as illness, accident, injury or even cancellation of the trip. For medical expenses, most insurance experts would advise cover of £2 million, and for personal liability, it is recommended your cover limit is £1 million. While some policies may offer a higher limit for these expenses, this will most likely raise the price of your premium, so you should consider if the higher limit is excessive in order to avoid paying over the odds.

The excess
Following on from cover limits, checking the excess of your cover is also vital. The excess of your claim is the amount you will be required to pay before the insurer pays out. Some policy premiums will look cheap at first glance, but it may be due to a large excess. It is possible to adjust your excess on some policies to a price you feel you are prepared to pay, however, keep in mind that this will have an impact on the premium. It is also worth remembering that some policies will include separate excess charges dependent on the incident. For example, a mugging could fall under medical costs and loss of personal belonginings, and result in excess being charged for both, so take an extra bit of time to read through all the details.

Your baggage
Baggage cover means that you are covered if your baggage is lost, stolen or damaged, with the average policy paying out in the region of £1,500. Before you add baggage cover to your travel policy, it’s worth checking if your possessions aren’t already covered under your current home contents policy. You should keep in mind that many insurers will have a limit on the payout for individual items such as phones, laptops or cameras. At times, it can be quite difficult to claim for items lost when abroad so, if possible, keep any receipts or evidence that you took the item(s) with you.

What else should you consider?

• Missed departure: A travel insurance policy will cover any additional expenses that are incurred by missing your flight, due to events outside your control.
• Loss of passport: Covering you for additional travel expenses as a result of replacing a lost passport.
• Delay: Covering you against any delays due to adverse weather, technical issues or industrial action, however, planned strikes will not be included.
• Scheduled airline failure: Covering you in the event of the airline going out of business.
• Cash: Covering you for loss of or damage to money held as cash.

 

For more information, get in touch.

REFERENCE*

 

If you’re running a business, company health insurance might not be at the top of your list of priorities, but the benefits of having a policy also known as business medical insurance are such that it’s well worth looking into.

The basics:
Most company health insurance policies will offer the following:

• 24-hour GP and stress counselling helplines
• Cancer cover as either an extra cost or standard
• Treatment in a hospital of your choosing
• Mental health support

Quick access to this level of support will be hugely beneficial to both you and your employees, and means that absences could be reduced alongside less time spent out of the office attending appointments that disrupt the working day.

What are the benefits for you and your employees?
It’s straightforward; having a company health insurance policy in place for your employees shows that you take their welfare seriously. Having that sort of safety net can help to make anyone working for your business feel more valued and means that it’s easier for your employees to access high-quality healthcare when it’s required, as opposed to falling victim to NHS waiting times or being unable to pay for costly treatment. It’s the sort of perk that will help you to retain your workers and create a positive workplace environment.

Staff illness and absence can be hugely detrimental to a business, so having access to private easy-to-access healthcare makes it easier for you to manage employee absence, which can often have a serious knock-on effect on your business’ productivity.

Focusing on Mental Health
Research provided by the Britain’s Healthiest Workplace survey conducted in 2017 has shown that the UK loses roughly £77.5bn per year due to physical and mental health issues.

Mental health, in particular, is benefitting from increased awareness these days, meaning that there is extra responsibility on companies to display effective strategies for helping their employees to deal with mental health issues, such as depression and anxiety.

The importance of showing your employees that you care about their mental wellbeing just as much as their physical wellbeing cannot be understated, and knowing an effective support network is in place to assist with issues such as anxiety and depression will help them to feel more comfortable working for you.

 

Contact us today for more information