Landlord insurance is a vital cost for protecting your rental property, but that doesn’t mean you should overpay. This guide explains how to reasonably reduce your landlord insurance premiums while still protecting your investment. 1. Increase Your Voluntary Excess One of the simplest ways to lower your premium is to increase your voluntary excess. This […]
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Vehicle impoundment is a legal power used by police and local authorities to remove vehicles from the road in certain situations. In the UK, these powers come from multiple laws. Laws such as the Road Traffic Act 1988, the Police Reform Act 2002, and the Road Traffic Regulation Act 1984. These laws allow authorities to […]
Drug driving offences in the UK are recorded using specific DVLA endorsement codes [1]. These codes matter. Courts use them to record convictions, and insurers use them to assess risk. There are many drug-related conviction codes that can appear on a licence. Here is what they mean. DG10 – Driving with a Drug Level Above […]
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Most landlord insurance claims follow familiar patterns. But the emerging pattern in 2025–26 is how often they happen and how much they cost. Rising repair prices and more extreme weather mean even routine claims are becoming more expensive. Industry data from the Association of British Insurers (ABI) shows property claims remain at historically high levels[1], […]
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A commercial property incident — whether fire, flood, theft or structural failure — can be disruptive and costly. Acting quickly and carefully, while following your insurance policy, helps protect your business. It also makes the claim process easier and reduces financial loss. Below are the key steps to take immediately after an incident. 1. Ensure […]
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If you have a TT99 conviction and need to insure a van or commercial vehicle, the short answer is yes, it is possible. The longer answer is that it is more complex, more restricted, and usually more expensive than standard motor insurance. Many drivers with a TT99 conviction are tradespeople, couriers, or self-employed business owners […]
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Insurers see a TT99 conviction as a high-risk driving issue. This is because it shows repeated rule-breaking, not just one incident. This has a major impact on availability and cost of insurance. What Is a TT99 Conviction? A TT99 conviction happens when a driver gets 12 or more penalty points in three years. This is […]
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Insurers treat the vehicles used by Uber drivers like private hire taxis, which means you will require Private Hire Vehicle Insurance. Private Hire Vehicle Insurance is a specific form of Hire and Reward cover. Hire and Reward is a class of insurance that allows drivers to carry other people’s goods in return for payment legally. […]
Putting the wrong fuel in your car is easier than you might think, but what can you do about it? First things first Don’t start your engine. Don’t try to fill up the rest of the fuel tank with diesel Don’t panic What you should do Starting your engine when you have put the wrong fuel […]
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When Police pull a driver over, they are usually concerned with the driver’s Blood Alcohol Content or Concentration. They usually measure BAC in concentration of alcohol in the bloodstream and is measured as mass per volume. For example, using the English drink drive limit, a BAC of 0.8% means the same as 80 milligrams of alcohol for […]
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