It is extremely important that as a Landlord you have an inventory of all contents left in the property and a schedule prepared in respect of the condition of the property, in order to avoid any misunderstanding or dispute at the end of a tenancy. Without such safeguards, it will be impossible for you as the Landlord to prove any loss, damage, or s [..]

The Association of British Insurers (ABI) represents the collective interests of the UK’s insurance industry. The association speaks out on issues of common interest and participate in public debates.  Find out more about the ABI by visiting their website www.abi.org.uk/

Security bonds (deposits) are recommended by most Letting Agents. It is recommended that when letting a property a bond (deposit) of one months rent is paid by the tenant and held in a designated Client Account. The money is only to be used to cover agreed losses incurred by the Landlord, such as non payment of rent or breakages.

In the unfortunate event of a claim notify us of the circumstances immediately, or in any case as quickly as possible, after the event. Take whatever reasonable steps are necessary to secure your property and avoid further damage. Retain any invoices, receipts for emergency work carried out to your property.  If the claim is as a result of a crime, [..]

At the start of the tenancy, the property must be in a thoroughly clean condition, and at the end of each tenancy it is the Tenants’ responsibility to leave the property in a similar condition. Where they fail to do so, cleaning can be arranged at their expense.

Household items that you own or that you are legally responsible for. This does not include any part of the structure of Your Home including ceilings, wallpaper and the like; any item used for business or professional purposes and any living creature. The definition of ‘Contents’ does not include items such as documents of any kind, Motorised Vehic [..]

You are responsible for providing accurate and complete information, which insurers require in connection with any request for insurance cover. This is particularly important before taking out a policy and at renewal, but it also applies throughout the life of a policy. If you fail to disclose any information when asked, this could invalidate the p [..]

Without exception all insurance policies contain excesses. This is the amount the policyholder has to pay towards the settlement of any claim made. The standard excess for most Landlord policies is either £100 or £250 which increases to £1,000 in respect of claims made for subsidence, heave or landslip.

The Financial Conduct Authority are an independent body that regulates the financial services industry in the UK. You can check out who is, or is not registered, by visiting their site www.fsa.gov.uk/pages/register/

The Furniture and Furnishings (Fire) (Safety) Regulations 1988 (amended 1989 & 1993) provide that specified items supplied in the course of letting property must meet minimum fire resistance standards. The regulations apply to all upholstered furniture, beds, headboards and mattresses, sofa-beds, futons and other convertibles, nursery furniture [..]