If your tenants refuse or are unable to pay their rent, you could end up hundreds of pounds out of pocket as well as facing a tough legal battle.

However, you don’t necessarily need to foot this bill yourself.  Rent guarantee insurance is available on many landlords insurance policies and it is designed to help you ensure that you aren’t left high and dry if your tenants don’t pay.  Keep reading to learn more about this valuable protection.

What is rent guarantee insurance?

Rent guarantee insurance is designed to provide financial support to you in the event that your tenants don’t pay their rent.  Most insurers let you add this cover to your landlords insurance for an additional premium or you can buy it as a standalone policy.

This cover typically provides a monthly sum to you to replace any losses that you incur as a result of your tenants not paying their agreed rent.

Landlords insurance also offers the option of legal expenses cover. This cover is designed to cover the costs of court action of your tenants are in arrears.

Finding cheap rent guarantee cover on your landlords insurance

Rather than taking out a separate rent guarantee policy, you may find it cheaper and more convenient to include this cover with your landlords insurance.

Many people head online to search for the best value rent guarantee cover.  Online comparison sites allow you to compare the prices and benefits of landlords insurance with dozens of leading insurers. Alternatively, you can research the cover available by getting quotes from individual insurers or by seeking the help of an insurance broker.

When you undertake your comparison, make sure that rent guarantee cover is included with your chosen landlords insurance policy.  The cheapest landlords insurance policies may only offer basic cover and may not include extras such as legal expenses or rent guarantee cover.  However, while you may save money on your premium, you could end up paying much more in the long run if you’re not adequately protected.

Your cheap landlords insurance policy could quickly look like a mistake if it won’t pay out when you come to make a claim.

To ensure you get the right landlords insurance cover at the right price, visit Landlord Insurances who can provide online quote from a panel of specialist landlord insurance providers.

Pretty much across the board you will find that the basic lorry insurance quote assumes that you will be driving exclusively within the UK, which for some people will be entirely correct.  However for those who may need to go out of the country – either occasionally or regularly the rules change.  In this case you need to ensure that when putting together a quote you have asked for the continental lorry insurance element to be included.  It really doesn’t matter whether you pop to france and back once a year, or truck off around europe for weeks at a time – as soon as you leave UK soil the rules change.  Unless you have continental lorry insurance your policy is as worthless as last weeks newspaper.  Conversely if you are confident that you will not be leaving home shores then just check there is nothing included for cover abroad – you might be lucky and reduce the bill by a few pounds.

Just to complicate your life further there will be various parts to the international cover and you may not need to purchase and cover all elements.  If something is not applicable then make sure you say so. The best advice it to specify exactly what is involved in your none UK work, as knowledgeable brokers and insurance companies will be able to tell you what you are required to cover, and what is optional but sensible to incorporate.

One example is your medical insurance, so often people remember to insure the vehicle and the load when they are heading out of the country but forget about themselves.  We have access to free medical care within the UK, so if you were 500 miles from home and taken ill you could access any hospital and expect the same treatment as you would at home.  If you are well enough to be taken to a local hospital this will be arranged free of charge. That is because we have a National Health Service.  The moment you step off UK soil you lose that service and become a tourist.  An uninsured medical issue in a foreign country is a complete nightmare and not something you want to risk happening.

Ensure that, should you be taken ill out of the country, you have built in appropriate cover for your health expenses, as well as working

There are a number of factors that affect the cost of your restaurant insurance.  Our guide looks at three of the most important.

Your policy excess

Most insurance policies have an ‘excess’.  Your excess is the amount of any claim that you pay yourself.  For example, if your excess was £250 and you made a claim for £1,000, you would pay £250 and your insurer would pay £750.

You will normally find that the cost of restaurant insurance will be lower if you choose to have a higher voluntary excess.  While this may make your cafe, cocktail bar or restaurant insurance quotes cheaper, it will also mean that you will have to pay more money should you make a claim.

photo: stevendepolo

How comprehensive you want your cover to be

Most restaurant insurance policies include the following cover as standard:

• Employer’s Liability insurance -  protects you against claims made by your employees for accidents that occur while they’re at work
• Public Liability insurance – protects you against claims made my members of the public who use your business (a customer falling and breaking a leg on your premises or suffering food poisoning)
• Business Interruption insurance – protects you from loss of earnings if you are denied access to your business premises – for example after a fire, a flood or malicious damage

The cost of your restaurant insurance will then depend on the additional risks that you wish to cover.  For example, you may want to include contents insurance to protect your stock and electrical equipment.  You may want to include ‘money cover’ to protect your takings.  Or, you may even want to protect yourself against dishonest behaviour by your employees.

As with most insurance, the more comprehensive your cover, the higher your premium is likely to be.

Your claim history

As with other types of insurance, your previous claims history can affect the cost of your cover.  If you have a good claims record then you may be able to obtain cheaper restaurant insurance than someone who has made lots of claims.

This article was written by Jon Roberts, Financial Industry writer.

• Leaking drains
• Damage to buildings caused by tree roots
• Badly laid foundations

Some insurers won’t provide the necessary subsidence insurance for property owners who live in a deemed subsidence location such as a mining area, due to the high risk factor. Even if the problem has been rectified with underpinning they may still be reluctant to offer any type of insurance to the occupant. Of course if you have a property with a history of subsidence you may also find it difficult to sell.

Established brokers

Established brokers have many years of experience of insuring subsidence properties, they can negotiate policies with their database of reputable UK insurance underwriters who can offer a competitive quote and quality cover. It is important to read the small print of any insurance document as not all policies will cover subsidence problems, for instance damage to walls, gates, fences, patios and drives. Reputable brokers can provide subsidence insurance that doesn’t restrict cover, policies usually contain:-

• Buildings and contents protection
• Legal expenses cover
• Accidental damage cover
• Personal possessions cover

Brokers will offer subsidence insurance which other insurers may consider to be too high a risk, so give them a call today.

Properties brokers can cover

Don’t worry too much about subsidence insurance, rest assured affable brokers are online to help you with your queries and concerns regarding insurance policies. They can offer subsidence insurance covering:-

• Properties that have previously suffered from subsidence, land slip as well as heave
• Properties which are underpinned or have been monitored for subsidence
• Properties which are deemed to be within a high risk subsidence area

Subsidence insurance is vital especially if you have a mortgage on your property, after all you need to protect your main asset.

A reputable service

If your home suffers from subsidence then you shouldn’t be without insurance. Even if it has a history concerning the problem, brokers have selected insurance partners who will consider your insurance requests in full and offer a competitive price once you have submitted an online quotation form. Each property is different regarding subsidence risks so each subsidence insurance request is considered on its own merits. Brokers provide a reputable customer service within the insurance industry and won’t load your subsidence premium just because it has a history connected to the problem, contact them today.

• Nursery schools
• Private schools
• Infant and secondary schools
• Special education needs schools

Finding teaching vacancies in Kent can take time, you may have to visit the local Job Centre or read specialist education newspapers to find the work you’re looking for. When you do find a teaching position who is to say that a particular school will be to your liking or the job will turn out to be exactly what you’ve been looking for.

Services on offer

Recruitment specialists offer their services by advertising work for teachers and schools that need to have teaching jobs filled. As a teacher if you register with them you will obviously have a much better chance of finding employment. Schools can benefit from online recruitment firms too, maybe a school needs a supply teacher in a hurry, even as little as an hour’s notice. Utilise a recruitment agency by registering online to leave your school’s details as well as any teaching positions that are available whether for permanent teaching staff, to cover long term illness or maternity leave.

Speak to a consultant

The great thing about recruitment companies is that they endeavour to help both schools and teachers in their pursuit in advertising employment positions by having the right candidates to fill them. In addition to this a friendly consultant is able to work with both teachers and schools on a personal level, this will go a long way in finding roles for teachers for teaching vacancies in Kent and for schools to fill their teacher quota. There’s definitely teaching work available in some of Kent’s most established and reputable schools.

Need a teacher?

If your school requires a teacher then get in touch with recruitment experts who can provide applicants’ CVs and arrange trial or observation days including interviews. All teachers introduced for teaching vacancies in Kent are fully vetted by an online agency and proof of vetted details can be supplied for any teachers that schools may consider employing. It doesn’t matter if you need an immediate teacher for one day cover or for full time employment, recruitment specialists will not leave any stone unturned to find a suitable candidate in the shortest time possible.

• Burglaries
• Loss of belongings
• Accidents
• Fires

Having tenants insurance in place means if anything does happen in your rented accommodation you can make a claim to cover your financial losses. It’s worth noting that your landlord’s home insurance will not cover your personal possessions, also if you live in a furnished property which is provided by a landlord then that is covered on their insurance, however not your own items.

Be protected

If you intend to stay in rented accommodation for a lengthy period of time and make it your home, then you should definitely consider buying tenants insurance. If something goes wrong and your personal goods are broken or stolen you would have to replace them yourself and incur the costs. Having tenants insurance purchased from reputable online brokers will take care of that for you. Theft and accidents can occur at any time so it makes sense to be protected with tenants insurance which won’t cost you a lot of money from reliable brokers.

Benefits of tenants insurance

Obviously as a tenant you won’t require buildings insurance, that’s the responsibility of your landlord although do buy contents insurance. You might own furniture and white goods as well as personal items which may be sentimental to you, without insurance cover an event such as a fire or flood could cause significant damage to your possessions, so speak to an established broker today about tenants insurance to benefit from:-

• Accidental cover as standard
• Protection of deposit
• Alternative accommodation
• New for old contents cover
• Liability cover for accidental damage to landlord’s fixtures and fittings

Comprehensive tenants insurance

In addition to the above brokers can provide extra insurance policies such as personal possession cover. Brokers specifically design tenants insurance for people living in rented accommodation to protect them and their belongings. It’s worth considering purchasing fully comprehensive tenants insurance which protects any damage to the rental property itself. Request a free no-obligation today for tenants insurance from experienced brokers who offer the right cover at the right price. Contact an adviser by e-mail or speak to a friendly member of staff directly by telephone to find out everything there is to know concerning tenants insurance.

What you can expect on a driving experience day

Everything is well organised for a driving day with a difference, each customer is accompanied by a professional instructor to experience what a car can do under pressure braking and steering as well as learning how to get out of skids. Specialists have a permanent base for driving experience days that has some superb facilities, a large circuit track which is ideal for:-

• Single seaters
• Porches
• Mini Coopers
• Ferraris
• Caterhams
• Go karts

For something a little more exciting, how about having a go on a quad bike or a JCB digger, not something you would probably drive but a great experience all the same. Why not take a turn in a rally car simulator, it’s just like the real thing and will give you a great insight into what rally car racing is all about.

Onsite facilities

As you would expect from one of the UK’s major events organising companies there’s a huge variety of exciting onsite facilities for everyone to enjoy. Events experts can arrange conference rooms for businesses in the morning and fun days in the afternoon with the opportunity for staff to enjoy driving experience days. There are many catering outlets too that serve full English breakfasts, buffet lunches, Gala Dinners, sumptuous barbecues and amazing hog roasts. If you’re on a budget then don’t worry, contact a team member online or by telephone to discuss your requirements.

Driving experience day courses

Check out online the numerous driving experience day courses for instance:-

• Skid pan training
• Emergency reaction training
• Competitive parking and manoeuvring
• Trailer towing
• 4×4 on and off-road training

Let dedicated events organisers arrange your driving experience day, it will be an occasion to remember and something you’re sure to enjoy.

Caravan Insurance benefits

Online insurance brokers believe when choosing caravan insurance there are two main factors that owners usually consider, the costs and the benefits that only brokers can provide. Not only will you get the best possible price but you can also benefit from:-

• Low minimum premiums
• No age limits on caravan owners
• Free continental cover up to 240 days per year which is included within the policy
• Low policy excess

There are plenty of reviews to read about caravan insurance online, if you would like to submit a review yourself then go ahead leaving your experiences on customer service and various discounts you may have received from brokers, such as:-

• Discounts for touring caravans
• Discounts for caravans stored on CaSSOA sites
• Discounts for security devices fitted
• Discounts for members of caravan clubs

Compare Caravan Insurance

Brokers make it their goal for clients to be able to compare insurance quotes for touring caravans, static caravans and trailer tents too. When applying for static or touring caravan insurance you must complete all the relevant online details about yourself as well as your caravan and which type of cover you require. Information on caravan storage is very important as is answering questions on the risks to your caravan and if you have made any previous claims. In only a matter of minutes you can view:-

• Proposal forms
• Comparison premiums
• Online policies
• Cover confirmation details

If you need any further help at all concerning caravan insurance then speak to an adviser by telephone, they will be more than happy to answer any questions or queries you may have. Don’t delay, use the services of experienced brokers today who can find you unbeatable caravan insurance and exceptional policy cover too.

Many people treat their caravans as a home from home so take personal possessions with them especially if they are going on vacation. Personal items such as these can add up quickly in monetary terms, therefore you should look for a policy that covers personal possessions as part of its key features.

Key features of cover

Established caravan insurance brokers not only provide caravan owners with extremely low premiums but excellent cover with many key features such as:-

• New for old options up to five years old
• Standard European cover for 90 days which is also extendable
• Recovery of caravan to the nearest repairer and delivery back to an owner’s registered address
• Alternative accommodation cover
• Public liability cover
• IAM caravan course discounts
• Caravan club discounts

It only takes a few minutes to request a caravan insurance quote whether for a touring or static caravan and benefit from discounts which can save you even more money on your insurance policy. If you have safety devices fitted to your caravan for example alarms, tracking devices, drive posts and secure storage, these can all reduce the overall cost of caravan insurance supplied by recommended brokers. Brokers can sometimes offer discounts of up to 20% and more to caravan owners who go out of their way to safeguard their pride and joy.

Cover options

Deciding on which type of cover you need for your caravan can go a long way in choosing the right insurance policy. Brokers offer third party only, third party fire and theft as well as fully comprehensive caravan insurance options. Check out the policies online or speak to an insurance agent at your earliest convenience before taking your caravan out on the road. Brokers are the people you can trust when it comes to caravan insurance.

• Breakdown cover
• Excess protection cover
• Replacement plated vehicle options
• Windscreen cover
• Courtesy vehicles on non-fault accidents
• Personal accident cover
• Public and employee liability cover
• Legal protection
• Personal possessions cover

Why not request an online quote today, it’s free to do and will only take a couple of minutes to receive a very competitive quotation price. When using the services of brokers you’ll be in contact with people who know all about minibus insurance whether it’s for fleet policies or individual minibus owners. Brokers really can save you time and money; clients always receive a commendable service when dealing directly with professionals. You can also benefit from the following:-

• Immediate cover on your minibus
• Discounted rates
• Protected bonus on any level of no-claims bonuses
• Any driver cover
• Unlimited mileage policies
• Low mileage discounts

It’s good news about payments too, there’s a variety of options to choose from, for instance you can pay weekly, monthly, quarterly, six monthly or annually by direct debit or by cheque.

Whatever type of minibus insurance you need, recommended brokers will be able to help, from private hire to commercial, business and charities. They have a reputation of providing minibus insurance for almost any budget and employ insurance agents who will make sure you’re correctly insured too. If you do need to make a claim, rest assured your request will be dealt with efficiently in order to get you back on the road as soon as possible.