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Help your Health in Lockdown

We have been in lockdown what feels like all of 2020 already and I think the one thing nearly all of us can agree on is…our waistlines have taken the biggest hit.

The NHS is apparently on a 10,000,000 plus waiting list since we have gone in lockdown and there are serious concerns that this will just get bigger when lockdown ends.

We have seen excessive drinking on the rise, people unbale to access gyms so workouts have gone out the window and with everyone getting used to sitting around all day our eating habit has been slack also.

Let us have a look at some of the things we can do stay health during the lockdown and make sure we look after our wellbeing as well as our waistlines.

Keep Moving

One of the biggest issues people have found in lockdown are gyms are closed so their workouts have understandably gone out the window.

We are fortunate enough to still be able to go out on walks and runs so why not increase the number of steps you do daily to help keep the pounds off.

If we consider that 10,000 extra steps can burn 2000 to 3500 calories a day and one pound of fat is 3500 calories- just getting out and about walking can really keep the pounds off.

Booze Free Weekdays

It has been recently reported across the United Kingdom there has been a surge in alcohol sales during lockdown whilst brits are unable to access their local pubs.

Drinking daily can have a significant impact on your mental health and you should consider taking at least five days off drinking a week to let your liver recover and support your mental health.

If you are struggling to go five days without alcohol there are a number of support services you can reach out to help you.

Treat Days

One of the biggest factors to gaining weight in lockdown is excessive eating- most of us have been overindulging and often need that extra comfort so obviously comfort food has been on the rise.

Gaining weight does not just impact our health but also negatively impacts our wellbeing and our day to day lives.

It’s worth trying to stick to your usual or even try and be healthier plan s on weekdays and then choose one day at the weekend to treat yourself after a long exercise.

Picking the right cover from roofer insurance

Roofers insurance is vital business cover for any builder or specialist tradesmen working on projects that involve stripping, tiling or felting roofs on any building.

Just replacing a few tiles as a general builder or roofing as a specialist contractor both present the same risks to person and property.

It’s not how often you may do the work, but the fact that you do it anyway.

Roofing insurance comes in two types – including or excluding heat.

The heat option applies to roofers dealing with felt roofs, so any tradesman cold roofing with tiles or similar materials can go for a heat exclusive policy.

Insurers look at a number of risks for roofers –

• Working at height – enough public liability cover is needed to deal with dropping heavy materials, falls or accidents like putting a foot through a ceiling

• Danger to the public – many roofs front on to roads and pavements, so again, the right public liability cover is essential

• Risks to employees – any roofer employing staff needs employer liability cover by law to safeguard the business against claims for injury

Other add-ons to consider are damage to neighbouring properties, insurance for tools, vans and lorries.

A roofing business might want to bundle in goods in transit cover to protect materials collected and transported for clients.

Before buying roofer insurance, run through the sort of work the business undertakes and make sure the policy covers the risks.

Ignore the cost, but look for the right cover to put together a short list of roofer insurance companies.

Once the right cover is quoted, choose the best value for money roofer insurance.

Specialist brokers with a network of business insurance contacts should be able to help run through the risk assessment and draw up the short list of suitable policies.

Choosing the right cafe insurance

Café owners have no need to cry over spilt milk when comprehensive and affordable cafe insurance is on the menu with so many providers.

For starters, they should look at their business in detail to make sure they buy the cover the really need and do not pay out for extras they may never claim.

Cafe insurance covers several main business areas – liability, business interruption, buildings, contents and vehicles.

Liability

Public liability insurance protects against customers claiming for sickness or injury from something they have eaten, or for slips and trips on the premises.

By law, cafes must take out employer liability insurance that extends the same cover as public liability insurance to employees.

Read more about cafe liability cover

Business interruption

Business interruption pays out likely profits lost when a cafe cannot open for business – for instance, after a fire, flood or a break-in.

Read more about cafe business interruption cover

Buildings insurance

Only building owners should take out this cover, so the landlord should have their own policy covering rented cafes.

Add-ons to standard buildings cover can include:

• Accidental damage to fixed glass – This looks after the cost of boarding up and replacing windows, frames and doors

Read more about cafe buildings insurance

Contents insurance

Contents covers stock, computers, business records, machinery and equipment the office needs to operate. This cover is the responsibility of the trader not the freeholder if the cafe is rented.

Add-ons to standard contents insurance can include:

• Money cover – Compensation for stolen cash, stamps, cheques or postal orders

• Stolen key replacement – Pays for new locks and keys to secure the office from burglars

Vehicles
For cafes sending out food and drinks, business car or van insurance is required – plus think about goods-in-transit insurance should stock coming from a cash-and-carry or supplier or foodstuffs going out to customers suffer loss, or damage while en route.

Finding cheap rent guarantee insurance

For many people, the opportunity of owning buy to let property is a sound investment and in most cases turns out that way – except for when tenants don’t pay their rent.

Luckily for landlords, rent guarantee insurance will help protect the investment and ensure they aren’t left out of pocket if a tenant fails to pay up.

No matter how reliable you believe your tenants are, there might be a time when they cannot pay their rent. They may fall sick and cannot work or lose their job. For that peace of mind, this rent guarantee insurance will cover these problems.

The policies also cover legal expenses when evicting a tenant as well as safeguarding the lost rent.

Don’t forget that landlords can offset the cost of the insurance premiums against income tax as a property business expense.

Credit checks for tenants

Rent guarantee cover comes with a few hoops to jump through.

Firstly, the insurance companies like to have credit checks carried out before the tenants move in. The credit check must be carried out by a recognised credit bureau.

Landlords also have to have a signed and dated assured shorthold tenancy agreement for letting the home and proof that any deposit is on protection with an authorised organisation and the details have been passed on to the tenants.

Rent guarantee can be purchased as standalone cover or part of a bundled landlord buildings and contents policy.

Some specialist insurers also offer portfolio cover with a discount for volume business.

If buying standalone cover, property investors should check that they are not paying twice for the cover – some standard landlord insurance includes legal expenses cover, for example.

Policies also come with other restrictions – some limit the rent cover pay outs to six months or cap legal fees.

Businesses may lose affordable flood insurance

Millions of businesses in flood-risk areas may lose affordable insurance under a new deal being brokered by the government and insurance companies.

Ministers and trade body the Association of British Insurers (ABI) have been arguing over the cost of flood insurance for months.

An agreement between the two ran out in June and a new Flood Re pact is on the table.

However, businesses were included in the old ‘statement of principles’ but the new agreement only covers homes.

Businesses and employer groups are concerned that omitting them from the new proposals could mean sky-high premiums for many firms; while others fear they will become uninsurable.

The main concerns lie with small businesses, which do not have the financial clout to negotiate deals with insurers who may find cover unaffordable or withdrawn, leaving them at risk to flooding.

Small businesses employ around 14 million people and the fear is bad weather could force many out of business.

Liz Peace, chief executive of the British Property Federation, said: “We appreciate priority has been given to ensuring the availability and affordability of flood insurance to the millions of homes across the country, but we are concerned SMEs find themselves excluded from the proposals.

“SMEs employ over 14 million people in the UK, and have already seen a marked increase in their property insurance premiums and excesses. Those in high risk areas will see the cost of their insurance increase considerably, and in some cases they may not be able to secure it at all unless government extends Flood Re.”

Flood Re works pools around £10 a year from all home insurance policies to fund homes at high flood risk who might otherwise struggle to find affordable insurance. In return for the levy, insurers will agree to set cover at affordable prices.

Landlord Insurance

Many of those who are new to the buy-to-let market make the mistake of taking out ordinary buildings and contents insurance policies on their properties. Making the assumption that all residential property policies are the same can prove to be expensive, however. If, for any reason, a landlord tries to make a claim on these policies, it will be rejected by the insurance company. Renting out a house or flat to tenants will have invalidated the policies and left the landlord inadvertently without cover.

Having invested a considerable amount of money in buying, renovating and furnishing the investment property, this can sometimes be a disaster if the damage the building or its contents have suffered is substantial.

If you have bought a property specifically to rent out, or are just thinking of renting your own home to tenants, it`s very important to arrange the right kind of insurance to avoid these kinds of risks. There are many providers of landlord insurance, also known as buy-to-let insurance, to choose from. You will need to compare the features and benefits of such policies as there variations in the kind of cover available. It is not always about price, since the cheapest policy may not be suitable to your property or the type of tenant you are renting to.

Landlords are faced with numerous potential problems when renting out and insuring an investment property. Having to take a tenant to court for non-payment of rent can prove time consuming and very expensive, with both legal costs and lost rental payments to consider. If tenants or their visitors have an accident in a rental property, they could try to sue the landlord for damages. If the injury suffered was serious enough, the cost of this could be enormous.

Main Features of Landlord Insurance
Buildings insurance covers the property that is rented out against such things as fire, flood damage and vandalism. You need to insure it for the amount that it would cost to repair or rebuild.

Contents insurance will pay for the cost of replacing any items in the property that are damaged accidently. It`s important to make sure that things that are expensive to replace are covered, such as furniture, washing machines and other white goods, carpets and curtains.

Landlord`s liability insurance protects you against any claims made by a tenant or anyone else in the house that has been injured or hurt. Personal-injury claims can be very expensive, so this element of landlord insurance is important to remember.
Optional Extras available with Landlord Insurance

For an additional cost, you can add in extra cover such as public liability insurance, legal expenses` cover in case you need to take the tenant to court and rent-guarantee insurance.

Other Points to Consider
Some providers offer home emergency cover that will pay for the cost of paying a plumber, for example, to come out to fix a leak.

Providers of landlord insurance will often offer a discount on the premium if you insure several rental properties with them on the one policy.

You should expect to have an excess to pay in the event of a claim, which is standard practice with most types of insurance.

Check to see if the provider covers all types of tenants. Some do not allow students or those on housing benefit as tenants.

Finally, if you need to arrange finance for the purchase of a rental property, then you may wish to look at buy-to-let mortgages at Moneysupermarket, where you can compare the various deals on offer from a broad range of lenders.

Mortgage Protection Insurance

There is no such thing as a risk-free life. All kinds of problems can occur, however careful you are. That is why people take out insurance policies to cover themselves in the event of accidents or events, whether they are small mishaps or large-scale disasters. The right insurance cover will pay for anything from a small dent in your car to the complete rebuilding of your home if it is burnt down.

For most people, their home is their biggest asset. It usually takes a mortgage with a 25-year term to pay for it, with payments that are a large part of their monthly outgoings. Although banks and building societies are usually understanding if the occasional payment is missed, they will not be if you get into financial difficulties and miss several months in a row. They will foreclose on the loan and you will be evicted from your home.

There are various reasons why people find themselves in this kind of situation, but it is usually a matter of bad luck. Accidents, sickness and unemployment lead to a loss of regular income and a subsequent inability to pay the mortgage. Through no fault of their own, people who do not have enough savings to see them through such periods will often lose their homes.

There is some help available from the government for people who are unemployed. After thirteen weeks, you can claim benefits which will cover at least the interest payable on your mortgage. This is an invaluable lifeline for many, although in the current climate of austerity, with many cuts in various kinds of benefits being implemented, it might be wise not to rely too much on it.

Mortgage payment protection insurance (MPPI) is one option available for those who wish to have some cover against the possibility of losing their home. Most of these policies will offer to pay your mortgage for a set period if you are unable to through no fault of your own. The usual reasons for claiming are involuntary redundancy or illness or accidents that lead to loss of income.

Although MPPI is a good option for some, it is important to look carefully at the terms and conditions before taking out a policy. Some providers will set limits on the monthly payments, so if you have a very big mortgage you will not be fully covered and will have to pay the difference yourself. Most policies will also only pay out for one year.

As this kind of insurance is not cheap, it`s also important to consider whether you really need it. If you have sufficient savings to pay your mortgage for a year in the event of redundancy or illness, then it may not be worth taking out a MPPI policy. Anyone who has worked for one employer for many years will usually receive a large redundancy payment if laid off, which can be used to pay the mortgage until another job is found.

MPPI has had a bad press in recent years, with some policy holders finding that the providers are extremely reluctant to pay out when a claim is made. Despite this, there are insurance companies that do offer fair and reasonable terms. Some research is usually needed to decide if this kind of policy is appropriate for your circumstances, so whenever you are looking into mortgages or remortgages using a mortgage calculator, it is a good idea to investigate what sort of insurance protection you might need at the same time.