Jason McClean

Registered with Property118.com
Wednesday 11th June 2014


Trading Status

Providing essential rental accommodation since

Number of rental properties owned
6 - 10

Insures properties through a broker recommended by Property118

Rating of Broker (1 - 5 where 5 is the highest)

Review of Broker
Price and service - I must disclose, I supply the insurance scheme though through www.thehomeinsurer.co.uk

Latest Comments

Total Number of Property118 Comments: 116

Jason McClean

9:32 AM, 24th December 2018
About 3 months ago

Should I trouble my insurance if Direct Line will not help?

Hi Jim

It looks to me like Direct Line are asking you to prove liability that their client was at fault for the damage to your flat. They are entitled to ask the question.

It appears clear cut that their client is liable, but Direct Line will not accept that without proof. After all, you are not their client.

If you have landlord legal expenses, you can call upon that to represent you. However, by the time the letters start flying, you may want to repair your own property rather than wait.

You can call on your own insurance and I expect you will have a speedy response. However, you will need to pay your own excess. If that is more than £200 then no point in claiming really.

Your own insurance will decide whether worth contesting liability with Direct Line or to write it off.

This whole process may seem counter intuitive, but it is built on assigning liability, which is at the heart of any insurance. Direct Line clearly don't want to pay out for your fixes and are forcing the issue.

It's up to you on how you want to proceed. If you do make a claim on your own insurance, you must disclose it when you ask for any new property insurance quotes in the future - normally for 3-5 years. Some insurers may penalise you, others may not.

Maybe not the answer you were hoping for but I do hope it clarifies the matter

Merry Christmas!

Best, Jason... Read More

Jason McClean

9:32 AM, 11th December 2018
About 3 months ago

Rubber Roofing system - Lender & Insurer views?

Hi Barua,

You will need to advise your insurers that you have a rubber/flat roof when getting quotes for your insurance. I wouldn't expect any problems getting quotes, but be prepared for something like a 'Roof Inspection Clause' where you will need to have it inspected every so often by a professional roofer.

Really cheap landlord insurance may not offer terms for a non-standard roof or exclude perils associated with it. Check the endorsements on your policy carefully.


Jason... Read More

Jason McClean

9:40 AM, 25th September 2018
About 6 months ago

£4,000 to replace a broken window?

Hi MikeyB

Regardless of the Service Company representative's attempts to placate and manage himself, I think you should be asking for the insurance policy and claims line. The Service Company may not want to make a claim on the policy. There could be many reasons they do not want you to claim - policy is cheap and nasty with minimal cover (not what leaseholders expect or pay for), they want to avoid any claims, they excluded various covers from the policy, they opted for a super high excess etc, etc.

Get the claims number, call it and the insurance company will advise you if insured and send round a loss adjustor. If it is a good policy, then you have nothing to worry about, they will arrange the fix promptly and the freeholder will only have to pay the excess.

As for comments disparaging insurance, "buy only the bare minimum and don't bother." I don't understand these comments. Property insurance is not mandatory, no one forced you to buy it. But if you do buy it, then be prepared to use it, that is what it is for.

In my experience, if you disclose the facts about the property correctly, then the insurance will pay out in a claim, normally very quickly. In addition, we see minimal, if any uplift in costs at renewal, even with prior claims, it is a competitive market place.

We specialise in block of flats insurance and your situation is very similar to many in the UK. It may be worth asking your Service Company to give us a call at renewal to see if we can save you all some money too, it is quite normal for Service Companies to be taken to the cleaners by insurers who know that the costs are being met by a group with little choice.

Hope this helps .

Jason... Read More

Jason McClean

15:49 PM, 24th September 2018
About 6 months ago

£4,000 to replace a broken window?

Hi Michael

As it is the window, you need to speak with the management company and get a copy of the buildings insurance.

You cannot purchase this or similar yourself as you are not the freeholder, so you depend on the policy they have put in place for you. It is the freeholder's responsibility to protect the buildings.

Once you have that, notify a claim as per the instructions on the policy and let the insurer's take care of it. They will probably look to send round a loss adjustor to inspect the damage and facilitate any repairs that are needed providing cover is in place for the peril.

It should be that simple really.


Jason... Read More

Jason McClean

14:58 PM, 14th September 2018
About 6 months ago

Landlords Insurance - Landlords Buying Group

Reply to the comment left by Maggie Howell at 14/09/2018 - 11:33
Hi Maggie

I am glad that Discount Insurance did beat your price, even from a very low starting position. In terms of being pushy, the landlord insurance market is very competitive and most brokers will operate a call as soon as they can policy to try and speak with the customer. By speaking with you, they can apply best terms. Once they are told a price they have to beat, they can use their relationship with insurers to invoke a price match or beat agreement, which is what happened here. And also possibly what happened in the other case mentioned here by Mellors - knowing the price to beat gives the broker the maximum opportunity to discount price to win the business.

Nonetheless, I have passed your comments on to Discount and asked them to approach customers more sensitively.

I hope that explains it and if I can help any further, please let me know.


Jason... Read More