Saturday, 10 September 2016

Latest HomeLet Rental Index figures have just been released

HomeLet one of the major UK Landlord and Tenant rental insurance companies has just released the August Rental index.

According to their press release -

Rents across the UK continued to rise during August, with this year’s trend of modest inflation continuing, according to the August  Rental Index.

Tenants signing up to a new tenancy during August agreed to pay an average rent of £913 a month, a 3.1 per cent increase on the same month of 2015. 

The pace of rent rises, while sustainable, is moderating. The 3.1 per cent recorded in August is comparable to annual increases of between 3.5 and 3.8 per cent over the previous four months. By contrast, annual rental inflation was running at close to 6 per cent this time last year.

The August 2016 HomeLet Rental Index reveals that rents continue to rise in almost every area of the country, with 11 out of the 12 regions surveyed recording an increase over the year to the end of August. 

Nevertheless, HomeLet’s regional trend analysis suggests that rental inflation has been more variable in certain areas of the country than others. London and the South-East in particular saw a larger dip in the pace of rent rises during March and April this year, at a time when buy-to-let investors were purchasing properties in larger numbers ahead of higher stamp duty rates that came into force at the beginning of the 2016-17 tax year. View the full release here 

Looking for Landlord buildings - contents - legal insurance or Tenants contents insurance +? Find out more here

Wednesday, 16 March 2016

Why an Uxbridge letting agent thinks the EU is good for Landlords in Uxbridge


Jeremy Wasden the owner of Belvoir Lettings in Uxbridge, Middlesex has posted the following on his website.

Why I think the EU is good for Landlords in Uxbridge

Going to wear my heart on my sleeve here and say that I think that the EU is good for local landlords, consequently good for me as a letting agent and also for the wider UK.
So why is that?

Economic Stability

Providing economic stability allowing companies to grow and invest.  I don't think europe is perfect and we are out performing the continental markets.  Like landlords thinking of a property purchase, business and investment thrives on certainties which the EU is set to deliver by comparison to unknown alternatives. 

Longer term I see unfettered access to the world's largest market as a key benefit of EU membership.  And our area has benefitted heaviliy from this.

Heathrow / European Head Offices

Hillingdon Borough is more likely to benefit from European trade being so close to one of our major ports, Heathrow. 

We also benefit from many local European Head Offices which provide many high quality jobs such as those found in and around Uxbridge, Heathrow and of couse Stockley Park.  Could we benefit from more of these in future?  I think this is likely with continued EU membership.

I accept however that Britain could trade successfully as an independent country.  We have some amazingly talented people in this country!
And are we going to be better off if we can attract high quality people to the UK?

Movement of People

Free movement of people brings demand from tenants for property.  Be they people working locally or commuting in to London.

This both works in helping to allow people to rent out their home as they go and work in Belgium for a few years for example or for tenants from Europe working in the UK wanting to rent property here.

If we left trade would not cease and we would form new trading partnerships but there would be uncertainty.


I find that most of the legislation that causes consternation for Landlords is from Parliament.  Such as recentl changes to Section 21 notices and deposit protection legislation which originates in this Scepter'd Isle, as does changes in SDLT and taxation of mortgage interest.

The EU does not by any means have a monopoly on poor legislation.

If you as a landlord think the other way I would be happy to hear the counter argument.
Contact him here

Notes: We have received permission from the writer Jeremy Wasden  to re-publish this article here. His business is in Uxbridge where Boris Johnson the present Mayor of London is the Member of Parliament for Uxbridge and South Ruislip. Boris Johnson  is currently very much involved with the leave the EU campaign.

Editor's Comment: This is a very interesting article. In my experience EU residents in the south Bucks / east Berks area have been excellent tenants. Apart from working in the community, by renting they are keeping the local buy to let market exceptionally active.

Regarding Jeremy's comments on rental legislation. It is easy for a landlord to blame it all on Brussels and the EU (or even Europe as many call it). We have very complex rental regulations in the UK these days and more ahead. Where do they come from? Parliament in Westminster, The Welsh Assembly, The Northern Ireland Assembly and the Scottish Parliament. 

If you look at rental legislation in other European countries and EU Member states, it is all individual to the Government of the particular country. They all make their own rental legislation.

One piece of legislation that is common is the efficiency of energy report. So it might be a Diagnostic de Performance Energ├ętique - DPE in France, a Building Energy Rating - BER in Ireland or an Energy Performance Certificate - EPC in the UK.

Saturday, 27 June 2015


The Annual Speen Helping Hospices Annual Charity Craft & Food Fair event on Sunday 5th July 2015.

It will be held on the Speen Playing Fields on Hampden Road, Speen, HP27 0RU (near High Wycombe and Princes Risborough, Buckinghamshire) between 11 AM and 4 PM.

There will be a great selection of produce available. The Speen Helping Hospices organisation raises funds for four local hospice organisations – Florence Nightingale House, Helen & Douglas House, Rennie Grove Hospice Care and The South Bucks Day Hospice.

The summer craft and food fair is one of several activities organised by SHH throughout the year. On the 15th May they hosted a very successful lunch at the well-known Speen Home of Rest for Horses.  Last December a Christmas market was held and over £3,077 raised.

Local Estate and Letting Agents The JNP Partnership are acting as board Sponsor for this event.

So if you are looking for a great selection of food and crafts come to Speen on the 5th July and look out for the JNP / Fine and Country advertisement boards and set your Sat Nav to HP27 0RU.

Tuesday, 12 May 2015

Intasure is appointed by BIBA as Holiday Homes scheme provider

The British Insurance Brokers’ Association (BIBA) has launched its first ever holiday home scheme in partnership with specialist provider Intasure, part of the Arthur J. Gallagher group, offering members the ability to quote and bind cover for properties in more than 40 countries ,with legal expenses insurance included at no additional charge.

Further benefits of the scheme include a UK-based claims team, English-speaking loss adjusters, and cover for owners of private use second residences as well as those that are let out on a short or long-term basis in the UK and overseas. 

Backed by Lloyd’s syndicates and A-rated insurer capacity, the holiday home scheme enables BIBA members to secure public liability of £5million and buildings cover of £1million as standard. Cover can be transacted via a bespoke online platform, providing reassurance of immediate cover, and the scheme carries no minimum volume requirements.

Mark Morgan, Managing Director of Intasure, said: “With around 1.7 million Britons owning a second home, whether in the UK or overseas, demand for holiday home cover continues to be strong. And yet finding flexible and comprehensive protection for such valuable assets — particularly when properties are often unoccupied and especially when they are located overseas — can be problematic. Our ability to protect homes in 44 countries gives us an unmatched footprint and enables BIBA brokers to provide their customers with much-needed peace of mind.”

He added: “We also place a strong emphasis on the customer journey — and our high levels of delegated authority enable us to respond and resolve problems promptly when they arise, with 90% of claims handled in-house through our UK-based support team.”

Mike Hallam, BIBA’s Head of Technical Services, said: “We are pleased to offer this scheme along with its exclusive benefits to members and its wide footprint of countries that it covers.  This should satisfy all member needs in this niche market sector.”
Source BIBA Press Release  Find out more about Intasure Holiday Homes Insurance Here

Sunday, 29 March 2015

Easter holiday just around the corner have you taken out insurance?

Although I don't think you can insure your Easter eggs or even Easter Bunny, you can take out various types of travel insurance, car, van, motorhome hire excess waiver insurance and insurance for your holiday home accommodation.

The jml Insurance website has a great choice of companies advertising and as the weekend is approaching very quickly now, you need to make those arrangement.

You will find however, that your will normally have to take out Travel Insurance before leaving home, however this does not usually apply to Car Hire Excess Waiver Insurance or your holiday home property insurance.  

Taking your pet on holiday? Don't forget that many pet insurance products will also cover your pet too.

Take a look at our 24/7 insurance marketing site here

Have a great Easter break.

Tuesday, 10 March 2015

Staysure insurance to create up to 100 jobs in Coventry

  Staysure Insurance the over 50s Travel and holiday home insurance company who celebrate 10 years in business this year are to create up to 100 jobs in Coventry.

According to a report in the "Coventry Telegraph" today, " Staysure Holidays will initially recruit around 50 staff in travel sales, customer service and other departments of the business including marketing, finance, IT and HR.
On the insurance side of the business, Staysure will take on an extra 30 insurance sales agents based in Coventry. Recruitment is set to start this month and will continue until June."

The company was founded in 2004, and first trading in 2005, Staysure provides a range of specialist insurance products for the growing number of over 50s within the UK, including comprehensive travel insurance for those with pre-existing medical conditions as well as car, home and holiday home insurance.

Ryan Howsam, Staysure CEO, said: “The company has experienced phenomenal growth over the past ten years, and the new travel venture is the next logical step in our business development, following extensive research and customer feedback.

“Coventry city centre is the ideal location for this business, with fantastic transport links and a wide pool of potential travel candidates.”  See all of this story here

Find out more Here about Staysure Insurance products


Tuesday, 23 December 2014

Staysure insurance set to increase staffing in 2015

Insurance Age has reported that Staysure Insurance are going to recruit an additional 50 staff  in the New year at it's Northampton
head office as part of its growth plans for 2015.

The company confirmed it is looking for full- and part-time sales and customer service staff to meet what it described as "phenomenal growth" since being launched in 2004 by CEO Ryan Howsam.

Staysure is the over 50s expert, specialising in insurance and financial services in the UK and Europe and was formed in 2004 by Ryan Howsam.

If you are looking for Travel Insurance from Staysure follow this link
If you are looking Staysure Holiday Homes insurance follow this link
If you are looking Staysure ExPat Home insurance follow this link

Tuesday, 16 December 2014

Questor Insurance is not just for Christmas but all round too

Received a tin of excellent biscuits last week from those very nice people at Questor Insurance.

Unfortunately the Christmas biscuits will soon be good, however if you have an annual policy from Questor Insurance it lasts all year long.

Questor insurance offers a great selection of travel and vehicle excess waiver insurance products that are currently promoted at various jml Insurance sites including, and

These include:
*Car Hire Excess Waiver Insurance 
*Motor Home / Camper Van Hire Excess Insurance
*Minibus Hire Excess Insurance from Questor insurance
*Van Hire Excess Insurance
*Car Club Excess Insurance
*LifeStyle-Lite Excess Insurance
*Motor Excess Insurance
*Golfing Travel Insurance
*Standard Travel Insurance
*Winter Sports Travel Insurance
*Back Packers Travel Insurance

What is more if you visit the Questor page Here you can get a 10% Discount on car hire excess insurance - this offer is extended till end of 2014 so hurry if you are making arrangements to go away.

Travel Insurance via Questor can be found here

So when you are making your New Years resolutions remember to look out for Questor Insurance travel products.

Friday, 7 November 2014

Beware of pot holes on the roads this winter

We are now approaching winter and if it is anything like the last two years English roads will be full of pot holes. These have occurred due to frost, ice and snow in 2012/2013 and very heavy rain in 2013/2014.

You need to take extra care from now onwards as when it is wet and dark you can't see these. Roads in some counties and regions appear to be in a worse state than others. From personal experiences the state and condition of numerous roads in Buckinghamshire is very poor. If you own a car or van or hiring these vehicles do make sure you are covered for any "undercarriage" damage that could occur as a result of driving over any of these potholes. Local councils might not pay up for damage caused and you will have to rely on your car insurance or paying for your self.

In September the Tour of Britain cycle race en-route from Bath to Hemel Hempstead used the roads near the Buckinghamshire village of Great Hampden going towards Great Missenden. The state of these narrow roads with pot holes either side is a nightmare for traffic. The cyclists would have been using the centre of the roads, however in normal conditions cyclists and vehicle users cannot.

Back in March this year, driving past the village of Ellesborough very close the Prime Minister's country Residence, Chequers I hit a pot hole about 7.30 in the evening. I just ben avoiding several near Wendover.

The next day the car's warning system told me I had a problem with my nearside rear tyre. I took it to a repair centre and fortunately I did not need a new tyre and the company was able to repair this for under £25. It also took an hour and a half of my time.

I decided to take the issue up with Buckinghamshire County Council as I was so fed up with the bad road maintenance in the county. I went through the long claims process, having to try and find the pothole in question and take photos. BCC wanted to know the width and depth of any disputed potholes as well.

Communication continued for some six months until their legal department wrote to me on the 24th October. They concluded a 2 page letter by saying "The incidend you have informed the Highways Authority of occurred in Ellesborough Road on the above date (2203/2014). Upon a review of the safety inspection and maintenancw records for this road, we can confirm that this type of road is subject to regular inspections of 4 times a year, in accordance with Buckinghamshire County Council's Highways Inspection Policy derived from the Code of Practice for Highways Maintenance Management, published by the Department of Transport. Furthermore, the safety inspection prior to your incident was completed on 22nd January 2014 and revealed no defect in the highway at the location you have identified.

In our opinion, The Council has a reasonable system of safety inspections and maintenance in existence for this type of road and is therefore able to establish a complete defence under Section 58 of the Act. In this respect, we must inform you that the Highway Authority has no liability for the unfortunate damage to your property and will therefore close the file in accordance with BCC Risk and Insurance Procedures"

There was of course two months between BCC's inspection and my incident. Two months when there was considerable water damage to roads and the environment by substantial flooding. Badly maintained road surfaces could therefore have just washed away.  

If the damage is serious, damaged wheel, damage to under carriage etc you of course may well choose to claim on the insurance. If it is your own car, by claiming you could of course loose your no claims bonus for something that was not your fault. If it was a very expensive repair the insurance company might battle it out with the local Council / Authority, however if it is only a small amount then you will probably just end up paying for any repairs out of your own pocket.

If you do find potholes in your local area, take a photo and send it to the local council indicating where it is. The image on the left was taken a couple of months ago, it has been repaired, however it was also repaired approximately fifteen months ago, but not too well hence the hole again this autumn.

Make sure your vehicle is properly insured, there is good choice of companies advertising at the jml Insurance site here for car and van insurance and if you are hiring a car, van, minibus or motorhome make sure you buy a specialist policy and check to see if you are insured for those perils. Find out more here.

It could be a long hard dark winter ahead and although local authorities have done a lot of maintenance since last spring, with restricted budgets, roads are not as good as they should be.

Monday, 20 October 2014

Half term holidays, Halloween and firework time insurance tips

The half term season is nearly here, in many cases it has already started and although the summer holidays do not seem that far away, particularly with fantastic weather in September in many parts of northern Europe, people are now ready for a break.

This coming weekend will be the start of the half term holiday for the majority., with Halloween on the 31st October and an early bonfire night on the 1st November as it is a Saturday. Many more people appear to go to community firework displays these days rather than have their own personal displays.

Over half term you might be off on holiday, hiring a car Economy Car hire have some "Half term steals for your holiday wheels" (don't forget your car hire excess waiver insurance as well) and finding some autumn sunshine to extend the summer. Don't forget your travel insurance too.

Staysure the travel insurance people for the over 50s  sent out an e-flyer a few days ago on suggestions for half term. Unfortunately with the volume of emails that come in, this useful set of ideas got deleted.   

It is exceptionally  important to make sure you have travel insurance if you are off on your travels over the break. There are a great choice of companies advertising here.

If you are staying at home and planning some DIY project and need to hire a van, don't forget your van hire excess insurance. Buying from an independent insurance specialist will normally be a lot cheaper than from the van hire company.

Remember the 5th November or the weekend before when fireworks are giving great joy to people. However do make sure that you follow the various firework codes and also that you might be enjoying the event but your pets are scared.

Pets play a very important part in our lives so keep the cat in and also the dogs too.
Incidentally if you do have a pet, Blue Insurances offer some great pet insurance products to residents of the UK and Ireland. Under their brands of  "Pet" and "" it is worth looking at their prices. Find out more here

Safe and happy half term holidays