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  • Lodgers and insurance |
    own home can receive in rent before they start paying tax Currently if you re a lodger landlord and you rent out a room in your home you have to pay tax if your income from this exceeds 4250 a year From April 2016 this will increase to 7500 This will probably mean that the majority of these landlords will no longer have to pay any tax So there may be many more tempted to enter the market One key thing if you rent out a room is to make sure your insurance is correct According to a recent article in the Guardian it s unlikely that having a lodger would have much of an effect on your premiums but it could negate your insurance if you haven t told your insurer and you need to make a claim So you must do this as soon as you start renting a room out And you need to make sure your lodger discloses any relevant information such as criminal convictions There are plenty of other things to consider including the implications for your mortgage and council tax as well as income tax The article in the Guardian has some very good advice Share this page This entry was posted in Landlords Articles and tagged insurance claim landlords lodgers Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial

    Original URL path: http://www.morganclark.co.uk/about-us/blog/lodgers-and-insurance/ (2016-04-24)
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  • Did you get through July 1st? |
    year As a result it s been renamed Clumsy Day Analysis by Direct Line has shown that there is a 60 per cent increase in accidental damage claims on July 1st compared to the yearly average And I have a theory why until this year it was towards the end of the two weeks of Wimbledon this year Wimbledon is a week later and so lots of people have spent days trying to be Andy Murray and bashing a tennis ball around But the research has also thrown up some interesting traits among us Brits it seems we re a nation which likes to be economical with the truth More than half of us 56 per cent don t admit responsibility if we break something around the house and half of these try to hide it by repairing the item Nearly as many would buy a replacement without telling anyone And here s the biggest shocker Women are more likely to hide items and not tell anyone than men just under a third of women do this compared with one in six men And women are also more likely to shift the blame to someone else I m off to buy some more super glue Share this page This entry was posted in Home Insurance News Insurance Articles and tagged accidental damage Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood

    Original URL path: http://www.morganclark.co.uk/about-us/blog/did-you-get-through-july-1st/ (2016-04-24)
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  • Insurance policies and value for money |
    in 2013 which showed that a lack of competition in the insurance market meant that many of us are over paying for our insurance by as much as 108 million a year It s yet to be decided exactly how this value for money would be judged it could be the overall value of claims as a percentage of premiums paid for example or the frequency of claims accepted combined with average payouts But whatever method is chosen it s all designed to increase competition and help customers choose the best policy for them It s a complicated issue and so it s not going to happen immediately but it should spell good news for consumers We ll keep an eye on what happens and report back Share this page This entry was posted in Home Insurance News and tagged buildings insurance household insurance insurance insurance claim Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss

    Original URL path: http://www.morganclark.co.uk/about-us/blog/insurance-policies-and-value-for-money/ (2016-04-24)
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  • Gas barbecue safety |
    and fewer complaints from neighbours We ve written before about safe barbecuing but this has focused on conventional fuel So with the hope that this rotten summer may take a turn for the better soon here is some vital advice for ensuring a safe gas barbecue Perhaps the most important advice is to have your gas barbecue serviced every year as you would with a gas boiler In addition UK Fire Resources recommends the following Make sure the tap is turned off before changing the gas cylinder Change cylinders outdoors if possible or in a well ventilated area If you suspect a leak to the cylinder or pipe work brush soapy water around the joints and watch for bubbles tighten to fix but do not overtighten After cooking turn off the gas cylinder before turning off at the controls to ensure any residual gas in the pipe work is used up Some of the advice we ve given before for safe barbecue also applies which includes Ensure the barbecue is on a flat site away from sheds trees and shrubs Keep children and pets away from the cooking area Never leave a barbecue unattended Keep a bucket of water or sand nearby for emergencies Ensure the barbecue is cool before moving it But I ll never be persuaded I m still going to stick to charcoal Share this page This entry was posted in Fire Articles and tagged fire fire safety Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential

    Original URL path: http://www.morganclark.co.uk/about-us/blog/gas-barbecue-safety/ (2016-04-24)
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  • Landlords’ insurance: the buy-to-let boom |
    also been a rise in the number of private landlords and recent relaxations in what people can do with their pension pots could encourage the market even further The most recent figures suggest that one in five homes is now owned by a private landlord but more staggering is that this is predicted to rise to one in three by 2032 We ve seen this for ourselves through an ever growing number of landlords who turn to us when they need to make an insurance claim In most cases they have the right insurance but even if they do their claims can be very complicated All too often however they don t have appropriate cover or are under insured which can create significant challenges over settling their claim We ve written about this before So our advice as always is for landlords to ensure they have suitable cover There is specialist insurance available which includes things such as tenants defaulting on their rent landlord s liability in case a tenant or visitor suffers injury or damage and of course appropriate buildings and contents insurance Here are two good summaries of the reasons you need specialist insurance and exactly what should be covered one on Thisismoney co uk and the other on simplybusiness co uk Share this page This entry was posted in Landlords Articles and tagged buildings insurance contents insurance landlords under insurance Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016

    Original URL path: http://www.morganclark.co.uk/about-us/blog/landlords-insurance-the-buy-to-let-boom/ (2016-04-24)
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  • Affordable flood insurance delayed |
    According to reports it has been delayed until April 2016 which means that many householders in areas at high risk of flooding could face rocketing insurance premiums until the agreement comes into force And it seems it s all because computer says no Apparently the complexity of building and testing the technology behind the scheme with up to 400 insurers will hold up the launch for months www thisismoney co uk Flood Re was first muted in 2013 when the existing Statement of Principles ran out This was an agreement between the government and insurers and ensured that everyone had access to affordable flood insurance Flood Re was meant to replace it but its path has been incredibly tortuous As we moved close to the date it was looking increasingly unlikely that the deadline of July 2015 would be met There were issues and challenges every step of the way and as we wrote here many many times it just didn t seem possible that these issues would be resolved in time So now we face another significant delay We will as always keep you updated Share this page This entry was posted in Flood Articles Flood Re Latest News And Developments and tagged buildings insurance flood Flood Re flooding home buildings insurance Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial Fire insurance claims Flood

    Original URL path: http://www.morganclark.co.uk/about-us/blog/affordable-flood-insurance-delayed/ (2016-04-24)
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  • Insurers are failing small businesses |
    5 000 The main findings were There is a gap between SMEs expectations and the claims service they receive There is an overall poor perception by SMEs of the claims experience Claims are not always being managed effectively in the interests of SME customers the most common cause of dissatisfaction is a lack of clarity over who is responsible for driving the claims outcome There is often poor communication between the different parties handling the claim and the claimant about progress which leads to delays in reaching a settlement Two further issues were highlighted by the review The first was the delay in an initial visit by a loss adjuster which has sometimes led to a three week wait before there was any action We know just how critical it is to get the claim moving quickly most importantly the management of the company needs to know this is happening so they can focus on keeping their business afloat Part of our role is to enable them to do this we take over the claim and all dealings with the insurer and their loss adjuster and we know what to do to speed up their response The second was that in a significant number of cases the sums insured were inadequate to cover the loss incurred highlighting the importance for businesses to accurately assess exactly how much cover they need in the event of a major disruption We ve worked with businesses who have been under insured our aim is to mitigate any potential shortfall and identify the best way of using the settlement they receive to ensure their survival The FCA is now going to work with insurers and others to look at how they can improve their service to SMEs We ll report back on any developments You

    Original URL path: http://www.morganclark.co.uk/about-us/blog/insurers-are-failing-small-businesses/ (2016-04-24)
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  • Check monthly instalments for home insurance |
    clear about how much more this will cost According to reports there s just not enough detail if you buy insurance online about the difference in cost between paying monthly or yearly Not only does this mean you may end up paying more than you expect it also makes comparing products very difficult The review by the FCA looked at 13 insurers and 30 intermediaries including four price comparison sites which of course market themselves on offering the best deals Apparently 19 out of the 43 websites did not provide clear and consistent information on the full cost of paying by instalments and some didn t even state that choosing to pay in this way would cost more Twenty six firms didn t display the interest rate charged while some don t show the APR and the eventual total sum of payments An FCA spokesperson has been quoted as saying Regardless of whether people choose to pay upfront or in instalments it s important that they can see exactly what they are signing up for and how much it costs so they can decide whether they are getting a fair deal So better clearer information is needed simples Share this page This entry was posted in Home Insurance News and tagged contents insurance home buildings insurance home insurance household insurance insurance claim Back to the blog archive Request a call back Please leave this field empty Categories Burst Pipe Articles 7 Business Insurance News 77 Escape Of Water Articles 1 Fire Articles 37 Flood Articles 42 Freezing Weather Articles 7 Home Insurance Articles 1 Home Insurance News 99 Insurance Articles 34 Landlords Articles 10 Loss Assessors 12 News 113 Other Residential Articles 3 Theft Articles 9 Archive April 2016 March 2016 February 2016 January 2016 Morgan Clark Fire and Flood

    Original URL path: http://www.morganclark.co.uk/about-us/blog/check-monthly-instalments-for-home-insurance/ (2016-04-24)
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