E-Commerce

Consumers are becoming increasingly confident in using technology to make purchases online – Insurance2day have looked at the possibility of offering a full e-commerce website however due to the complexities of commercial and professional indemnity insurance the concern would be that consumers purchase online only to later discover that the scope of their business activities…

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Online Insurance for SMEs

It is anticipated that the next twelve months will see further increases in the number of small to medium size (SMEs) business arranging their commercial insurances online. Whilst at the higher end of the markets businesses paying premiums in excess of £50,000 are unlikely to benefit from the ever increasing move towards e-commence smaller to…

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David Blunkett Praises the Insurance Industry

David Blunkett, who following the floods in 2007 was critical of the insurance industry’s response, has now praised the manner in which many insurance companies have learned lessons from last summers floods and progressed in terms of the service provision they now provide. Blunkett believes there is still significant room for improvement in respect of…

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Extended Professional Indemnity Insurance Schemes

We are pleased to announce that from mid July we will be expanding the criteria on our professional indemnity insurance schemes for accountants, architects, engineers, health & safety consultants and surveyors/estate agents/property managers to provide online quotes for companies with annual fee incomes up to £500,000. In addition the maximum limit of indemnity for our…

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Home Information Packs – Optional Items (4)

Other documents The inclusion, where applicable, of non-standard searches in the Home Information Pack Sellers can greatly assist in expediting a sale e.g. It is standard practice for mining searches to be undertaken in areas where coal mining has taken place, Sellers in these areas will save time if they provide this search in the…

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Home Information Packs – Optional Items (3)

Home use / contents forms These forms include information on boundaries, notices, services, sharing with neighbours, planning permissions and other matters of interest to potential buyers. It is also usual for sellers to state which fixtures and fittings and other contents of the property are included/excluded in the sale or are subject to negotiation.

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Home Information Packs – Optional Items (2)

Legal summary This is an optional summary of the legal content of a Home Information Pack which could be helpful to buyers, although it does not remove the need for buyers to take their own legal advice.

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Home Information Packs – Optional Items (1)

Home Condition Report This is a report prepared by a qualified Home Inspector containing information about the physical condition of a property, which sellers, buyers and lenders will be able to rely on legally as an accurate report. The benefits of a Home Condition Report include the following: i) Sellers who commission a report will…

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Home Information Packs – New Build Homes

New Build Homes Home Information Packs for newly built homes must have a certificate (or interim certificate) showing the rating that the home has received in respect of the Code for Sustainable Homes or a nil-rated certificate showing that the home has only been designed to meet current Building Regulations. The Code for Sustainable Homes…

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Home Information Packs – Compulsory Items (5)

Evidence of Title The fifth compulsory is item is the Evidence of Title i.e. documents that prove that the seller owns the property and therefore has the right to sell it. Where the property being sold is registered, certain documents that are available on request from the Land Registry must be included in the Pack….

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