Staysure Over 50's Holiday Home Insurance just been added to jml sites

25th September 2009 - We have just added Staysure's Holiday Home Property insurance designed for the over 50's to our two sites.

The over 50's age group are probably some of today's better off people, having probably paid off their mortgage and bought a holiday home property as well.

They are a group of people who have to be concerned about their costs, particularly if they are on fixed incomes so naturally they need to find the right insurance product.




Staysure was formed in 2004 as an insurance intermediary specialising in the senior sector.

More information about the Holiday Homes Property Insurance HERE

Staysure also provides travel insurance for the over 50's and offers policies for annual cover up to the age of 80 and single trips up to the age of 85.

More information Here about Travel Insurance

jml Insurance "off air" for a couple of hours 24th September 2009

24th September 2009

Due to some upgrading on the server operated by the web company the jml-insurance.co.uk will not be operating for 2/ 3 hours today.

We are very sorry for any inconvenience, however if you are looking for insurance products for property, travel and more our introducer site www.jml-property-insurance.co.uk should have the information and links. If you are searching for car hire excess insurance then please visit the introducer site www.insurance4carrental.com

Many thanks

Students with more than £3,500 worth of belongings

23rd September 09.

I came across a Sainsbury's press release yesterday entitled " Average undergraduate has more than £3,500 worth of belongings in student digs" and what is worrying that according to the release 34 per cent - or one in three students does not have any home insurance!

The average student’s typical possessions, which includes not just high-tech items such as laptops, computers, iPods, DVD players, digital cameras, TVs and Hi-Fis, mobile phones, but also other expensive items including jewellery, sports equipment, course textbooks and bicycles, as well as the more mundane everyday items such as books, CDs, toasters and kettles. It does seem crazy that they are not getting these insured, but probably to the average student, many are away from home for the first time and unless their parents arrange cover they won't even think of it.

They probably think that it will "never happen to me" until there is a burglary and then realise that they have to replace those possessions, a student house with just four students provides more than £14,000 worth of rich pickings for any opportunist burglar.

jml Property Insurance.co.uk has been acting as "Introducer" agents for specialist tenant and landlord insurance providers like HomeLet, Endsleigh, Letsure, Rentguard and Rentshield Direct for a number of years. (As an introducer they can only re-direct a prospective purchaser of an insurance product to the main provider's website and cannot give quotes or advice, deal with enquiries etc).

These insurance providers don't charge a lot for insurance for tenants (including students in halls of residence or shared houses) and it is really more and more important as students acquire more possessions to take out insurance.

Sainsbury's Home Insurance did the research, there supermarket in High Wycombe has recently been re-built to a high standard opposite the new Eden Shopping Centre in High Wycombe. No doubt they will be attracting a lot of custom from BNU (Bucks New University) students for their food in the brand new Hughenden Park Student Village and existing Brook Street Halls of Residence. What is more just a short distance away is the brand new "The Gateway" campus development in the centre of High Wycombe which is a high-tech learning resource centre with a sports hall, gym, dance, music and drama studios, as well as the library and meeting rooms.

So whether you are a student in High Wycombe or Hull make sure you take out adequate insurance. There is a Student section on the jml insurance website HERE

Rentsure Letsure has Silver Rent Guarantee when letting out your property

Earlier this year the NLA - National Landlords Association published their findings on the top questions on the helpline for landlords.

The advice line has received over 30,000 individual telephone calls in the past 12 months. The advice line had taken on average 2,500 calls per month Of these calls 74 per cent of calls were from landlords seeking advice on how to deal with tenancies when rental arrears start to build up.

Naturally landlords are concerned by this and one way to have some peace of mind is to take out a Landlords Guarantee Insurance.

It appears that Letsure, the well known and established provider has Letsure Rentsure Silver Rent Guarantee Insurance. It looks most interesting and more details can be found at
http://www.jml-property-insurance.co.uk/letsure.htm

Mr Bean at Goodwood - Hope he had adequate insurance?

Mr Bean was at the Goodwood Revival meeting yesterday taking part in the 50th anniversary of the mini. I hope he had adequate insurance as he did not look too safe in his armchair avove his mini.

Rowan Atkinson who plays the part of Mr Bean did not race yesterday, however the mini was well celebrated with girls in mini skirts dancing by minis, a parade of minis and The St Mary’s Trophy race featuring minis.

The race was won by Nick Swift in a Morris Mini Cooper S.

The other major celebration was a Tribute to Sir Stirling Moss who celebrated his 80th birthday

last Thursday (17th September).

More on this here

Research shows cash savings can be made with Excess Protection Insurance

Consumers are wasting hundreds of pounds in inflated insurance premiums and losing out on excess windfalls by failing to take out cover that reduces policy costs and pays excess fees. This is the view of insure4excess.com managing director Simon Vella, who recently researched what savings can be made by increasing excesses in motor, home and pet policies.

Insure4excess sourced online premiums from a variety of insurers, asking for building and contents quotes on a three-bedroom semi-detached home, comprehensive cover for a medium-sized family car and a policy for a five month-old border terrier. The excess protection provider found if motor and home excesses increased by £250, up to £85.77 could be saved, and a £100 hike in a pet excess reduced costs by up to £33.38.


According to the Association of British Insurers, one in 10 motor policyholders and one in 16 households will claim during the year. However, the recession has increased the likelihood of motorists falling victim to staged accidents - the insurance industry reports high levels of personal injury claims and fraudulent activity. The impact on motorists are higher premiums and an increased probability of being involved in an incident.

More about this HERE

Barbon Insurance Group opens City of London Property and Commercial office

The Barbon Insurance Group has announced that its Property & Commercial division has opened a London office in the City.

The group’s central sales team will be based at the St Mary Axe facility, which could ultimately become a Centre of Excellence.

Nick Sharp, managing director of the division, said: “The new City location reaffirms our commitment to growth within the Capital and gives brokers and direct clients excellent direct access to the experience and skill of our expanding London team.”
He also believes the current economic downturn means “high calibre” individuals will be keen to join the firm’s new base.

Barbon boasts gross written premium in excess of £150 million and its brands include Keelan Westall, Cadogan Keelan Westall, Deacon, Cadogan Hanover Park -SaifInsure, TruckInsure, Plastech, Performance Media and CareAssured, Letsure, HomeLet, BIBALet and Farr.

jml-property-insurance.co.uk are agents for HomeLet and Letsure landlord and tenant insurance products and have been since 2001. Both these companies offer credit search referencing for letting agents to use on behalf of their landlords. Martin Oliver is the Chief Executive of Barbon Insurance, Ian Fraser is the Managing Director of Letsure and John Boyle is the Managing Director of HomeLet

In April in 2009, the Barbon group acquired Zennor Limited, the Central London based property and commercial insurance specialist Managing General Agent. Zennor is the largest provider of property stock insurance to Barbon’s social housing brand, Farr Insurance.

Agents encourage Landlords not to fall victim to the credit crunch

Letting agents who act in partnership with HomeLet, the UK’s leading insurance provider for the lettings industry, encourages landlords not to fall victim to the credit crunch by ensuring their rental income is properly protected. Last month the National Landlords Association (NLA) published research showing that 71 per cent of landlords expect rent arrears to increase during 2009.

The research also revealed that 67 per cent of landlords have experienced problems with rent arrears in the past, while 37 per cent are having payment difficulties with current tenants.
jml Property Services have been HomeLet Premier agents since 2002 and can provide landlords with an excellent selection of insurance products designed specifically to safeguard their rental income.

As unemployment has reached the highest level in 11 years and the latest research from the NLA shows many landlords are understandably concerned about the effect the credit crunch is having on their tenants’ ability to pay their rent. jml Property Services have been members of the NLA since the 1980’s (when it was known as the “Small Landlords Association”) and their surveys are most beneficial to Landlords.

In 2008 HomeLet paid out £2.8 million in rent guarantee claims and anticipate that this figure will continue to rise during the next 12 months as more and more tenants find themselves unable to meet their financial commitments.

Apart from Landlords insurance –(including Landlords Portfolio insurance for owners of several properties) HomeLet provides very competitive Tenants insurance and has recently introduced an updated price policy called "Tenant's Contents Insurance +".The insurance provider had been listening to customer feedback. HomeLet acknowledges that it is becoming more and more common that tenants share the cost of renting by sharing their home with a friend or colleague. The new policy allows for up to three people to share the same policy as long as they are employed and not a full time student.

HomeLet is the UK’s largest tenant referencing, rent guarantee and specialist insurance provider for the lettings industry and offers landlords a wide range of products through its network of almost 5,500 letting agents across the UK.
HomeLet is a trading name of Barbon Insurance Group Limited. Website: homelet

Happy Landlords, Happy Tenants, Happy Homes!

That is the message from the Rentshield landlord and tenant insurance provider we received late last week just before the UK’s bank holiday weekend.

In the present economic climate, more and more tenants are struggling to make ends meet or even losing their jobs through no fault of their own. As a result there are more and more tenants defaulting on rent than ever before. With some news media forecasting that unemployment could reach nearly 3 million by the end of the year, it goes without saying that some of these could be your tenants.

Through their association with DAS (Europe’s’ leading legal expenses insurer) they have developed the most comprehensive Rent Protection policy for the residential lettings market. Their research indicates that their Rent Protection policy is unique and offers significant advantages over all similar and competing policies!

Their Rent Protection policies are priced at just £60 for six months and £99 for twelve months and will cover rental amounts up to £4,000 pcm. So for less than ten pounds a month, your landlords can have complete peace of mind. jml property services via their introduction insurance advertising sites insurance jml insurance.co.uk and / jml-property-insurance.co.uk are Rentshield agents.