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  • Landlord insurance: liability
    Liability In two or three main sections Employer s Liability covers your liability to people you employ in the course of your business many policies do NOT provide this and you should check Public Liability to members of the public in the course of your business Property Owner s Liability Public Liability arising out of the use of your property Warning Like all insurance policies a landlords insurance policy consists

    Original URL path: http://www.portwood.co.uk/landlord-insurance/liability.htm (2016-02-12)
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  • Landlord Insurance: exclusions and conditions
    Bangs Nuclear Civil Commotion Unlawful Association in Northern Ireland Terrorism up to 100 000 or as required by legislation Territorial Limits Pollution Unless sudden Failure of computers to recognise dates Failure to declare unoccupancy Truth of proposal and complying with statutory obligations Keeping locks security correctly Reporting claims correctly e g to police ASAP Reasonable access by insurer after an incident Contribution Arbitration Alteration of insurable interest Misrepresentation Fraud Reinstatement

    Original URL path: http://www.portwood.co.uk/landlord-insurance/general-exclusions.htm (2016-02-12)
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  • Landlord Insurance | Making complaints
    landlords insurance It is a requirement under FCA regulations that all landlord insurance policies detail how a claim should be made and how a complaint should be made As an insurance broker you will receive from us an Initial Disclosure Document IDD which will advise you how to complain against us Or click the about our insurance services picture on our home page Please note Like all insurance policies a

    Original URL path: http://www.portwood.co.uk/landlord-insurance/claimcomplaints.htm (2016-02-12)
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  • B. Portwood & Co Ltd - Insurance
    and will not apply to policies being paid direct to the insurer If the policy cancellation is on our advice and a new policy is taken out with us we will regard the cancellation new policy as a single mid term adjustment and make a 15 00 charge A fee of 5 00 for inviting renewal of a policy This fee will be included in our renewal invitation and due on renewal of the policy or inception of a replacement policy The fee is to cover our costs of issuing a fresh statement of demands and needs and reviewing the insurance market at renewal A fee of 21 00 should you wish to pay your insurance premium by instalments and the premium is less than 210 00 The fee is spread over the instalments A fee of 10 of the premium should you wish to pay your insurance premium by instalments to us and the premium is between 210 00 and 500 00 The fee is spread over the instalments A fee of 50 00 if the premium exceeds 500 and you wish to pay the premium by instalments to us The fee is spread over the instalments The instalment fees mentioned above do not apply if you pay the premium by direct debit on our finance or the insurance company s finance plan Who regulates us B Portwood Co Ltd 44 Medomsley Road Consett DH8 5HA is authorised and regulated by the Financial Conduct Authority Our FCA Register number is 300694 What to do if you have a complaint If you wish to register a complaint please contact us In writing Write to B Portwood Co Ltd 145 Newgate Street Bishop Auckland co Durham DL14 7EN by phone Telephone 01388 607105 We will make every effort to settle your complaint If you cannot settle your complaint with us you should contact GISC BIBA or IIB If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service Are we covered by the Financial Services Compensation Scheme FSCS We are covered by the FSCS You may be entitled to compensation from the scheme if we cannot meet our obligations This depends on the type of business and the circumstances of the claim Insurance advising and arranging is covered for 100 of the first 2000 and 90 of the remainder of the claim without any limit OR For compulsory classes of insurance road traffic act liability employers liability and riding school third party liability insurance advising and arranging is covered for 100 of the claim without any upper limit Further information about compensation arrangements is available from the FSCS Is my premium protected All payments we receive are made in a non statutory trust account We pay all client premiums into a separate client account which will be a non statutory trust account As trustees of the account we are able to perform the following We may extend credit to certain customers by

    Original URL path: http://www.portwood.co.uk/regulation.htm (2016-02-12)
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  • European Ruling on Gender Discrimination on car insurance and other products
    in benefits This ruling is a godsend to insurance companies that market directly to women such as Sheila s wheels and Diamond Currently the motor insurance market is consistently losing money for the last 14 years both on male and female drivers as the insurer had to price each type of driver competitively However this has now changed to women only companies advantage Let us assume that the premium for a male driver should be 2000 and for a female driver 1000 Currently each insurance company offers these rates and makes no money Now all drivers have to be charged the same amount Is this 1 500 NO The amount charged will depend on the ratio of male to female drivers for each company Suppose we have a company with a 50 50 ratio of men and women They have to charge 1500 and will make NO PROFIT on the book of business Sheila s wheels can charge the same price 1 500 and MAKE 500 profit on each person There is no incentive for males to go to Sheila s wheels as there is no price benefit for them as well as being seen to be not macho Sheila s wheels will therefore keep its predominantly female book Sheila s wheels will target women drivers on its promotions nothing wrong there e g by offering a gift which is worth far more to a woman than a man remember they have 500 profit a customer to look forward to Let us suppose they manage to obtain new business in a ratio of 2 females for every one male They make a further profit on the excess of females over males The other insurance company now has fewer female policyholders this means that there is less profitable business so they

    Original URL path: http://www.portwood.co.uk/articles/genderruling.htm (2016-02-12)
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  • The end of 'no win - no fee'?
    will be severely constricted So what does it mean As an insurance broker our advice would be for customers to ensure that they have personal and motor legal expense cover This cover may be part of an existing home personal or motor insurance policy or sold as an add on by the broker or insurance company check your policy before you buy the add on as you may be covered

    Original URL path: http://www.portwood.co.uk/articles/nowinnofee.htm (2016-02-12)
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  • Soaring Cost of Car Insurance - Ambulance Chasing
    get referral fees should as a result of an incident one of our customers has to make a claim for injury or uninsured losses However this is not the main reason we offer the policy All our customers who take out the policy are entitled to a full accident management service of which claiming back losses is only a part the company we deal with also act on a mediation rather than a confrontation basis so additional costs in pursuing a claim and settlements are reduced We hope that this will reflect in our loss ratio and enable us to offer more competitive rates for our customers Have you wondered why buying car insurance online is cheaper An article in Insurance Age stated that claims costs were 50 higher for business bought in through aggregator websites which is one reason why prices are going up so much A driver does not become better through buying a policy online One reason is that the intermediary or insurer knows that a certain percentage of drivers will have a non fault accident and if they can earn 700 or more from the referral fees then that more than makes up for the reduction in premium In a personal case simple rear end collision liability not in dispute the solicitor s fees were 3000 so they can well afford it Other reasons are fewer staff needed this shows itself up in the lack of service these companies provide worse cover and higher excesses to keep down claim costs and lower offers for total loss vehicles many vehicles are now written off because they have to be repaired with new parts to ensure they are fully roadworthy after an accident the insurer could be sued if a second hand part subsequently failed Solicitors seem to

    Original URL path: http://www.portwood.co.uk/articles/Ambulancechasing.htm (2016-02-12)
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  • Cannabis growing in buy to let propert?
    on a regular basis to ensure that the tenant is obeying the terms of the lease Even if they are not growing cannabis some might be damaging the property selling off the boiler or radiators Identifying such rogue tenants quickly will minimise losses and help to keep premiums down Cannabis farms use a lot of electricity to heat the rooms this is always stolen by shorting out the meter Farms

    Original URL path: http://www.portwood.co.uk/articles/cannabis.htm (2016-02-12)
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web-archive-uk.com, 2016-10-24