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UKinsurancenet

The primary business areas of UKinsurancenet have been landlords Insurance and niche property insurance such as empty building cover. For many years we have provided buildings and contents insurance for home owners, Landlords and business premises. In addition to the aforementioned, due to our history as financial advisers, we have also provided a wide range of personal insurance products such as income protection, life insurance & unemployment insurance.

Landlords & Buy to let Insurance

Due to our long standing experience in the field of landlords insurance and buy to let insurance we feel that we are market leaders in this area. We have an unrivalled panel of insurers in this area and should always be able to meet the needs of a landlord both in terms of price and as importantly with the quality of advice available. We literally deal with the full A - Z of insurers from AXA and ending with Zurich Insurance.

One worrying trend with buy to let insurance and particularly unoccupied property insurance that we have found recently, That our emphasis on quality of advice and ensuring the policy is appropriate for the clients needs has resulted in us losing sales to other companies offering cheaper policies that are less appropriate. One example of this where we offered a client an “Unoccupied property policy”.

The client subsequently took out a policy through a broker with AXA Insurance. The exact same policy through ourselves was £35 cheaper, however we had not recommended it as cover was dramatically reduced after 30 day's unoccupancy to fire, flood, lightning, earthquake and escape of water . We have also found clients buying standard home insurance where UK landlords insurance is required. This can result in the client not being covered for theft, malicious damage, burst pipes and numerous other perils that the unoccupied policy would have covered

Please let us know if you find a cheaper price as we invariably have a similar policy at a cheaper price. If we find ourselves in this position we will explain the differences in the policies and let you decide which policy you prefer.

Commercial Buildings Insurance

We have a number of unique schemes with the likes of AXA, Groupama & Zurich and our commercial property brokers have up to 25 year's experience. Commercial buildings insurance has a number of options to consider:-

Reinstatement value: Building's sums insured are more difficult to estimate than for standard home insurance. As a result the insurer asks for a reinstatement value and then adds as much as 25% to calculate the buildings sum insured

Buildings sum insured: The maximum amount the insurer would pay out as a result of a total loss

Subsidence cover: Subsidence cover is often not included as standard with business premises insurance

Loss of rent: This section is again optional and applies to landlords or people who let part of their commercial property

Terrorism cover: With the increase in terrorist activities in recent history, many commercial buildings policies exclude terrorism cover as standard, although it can be obtained by paying an additional premium

Employer’s liability: With let property insurance employers liability insurance is generally not included although some policies do provide cover for domestic employees or maintenance people who work at the property. If you have other members of staff you will need to organise employer’s liability separately

Public Liability: Virtually all commercial buildings quotes offer Public liability cover as standard. Some companies provide the option to increase the sum insured up to £5000000

Communal contents: We have a number of policies that include free communal contents when business premises are let. This section would not cover your tenant’s contents or contents not in a communal area

Income Protection, Life Insurance & Unemployment Insurance

Ukinsurancenet has a huge range of ASU, income and unemployment insurance plans. We have been providing this type of cover to our clients for nearly twenty years in one form or another. Although we offer an extensive range of income protection plans online we also have a number of experienced advisers who can talk you through the jargon associated with this type of policy. Life insurance is fairly straightforward and there are only a few issues to consider the main one being price. However income protection can be more complex and policies often have exclusions for pre-existing medical issues, initial unemployment exclusion periods and restrictions on the amount of benefit you can have

We highly recommend taking advice before taking out a policy of this nature.