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: 118

Jason McClean

8:57 AM, 16th May 2019
About 5 days ago

Insurance invalid after fire due to family member?

Reply to the comment left by Steven Varian at 15/05/2019 - 17:28
Hi Steven

It is good news if your statement of fact is correct. That is what the offer of insurance is based upon and as long as you comply, then you are in the best possible position. There may be other terms in the policy wording relating to family and friends, so check that as well to be sure.

The best policy is to be completely honest with the claims team. I do hope it works out for you.

Your mortgage is a different affair that I cannot comment on, I'm afraid.


Jason... Read More

Jason McClean

16:59 PM, 15th May 2019
About 5 days ago

Insurance invalid after fire due to family member?

Hi Steven

Without exact details, there is only so much I can say about this.

It really comes down to whether you meet the conditions for the landlord insurance. Do you have an AST in place? Have you disclosed the tenant type correctly? Did the insurer ask whether the tenants were friends or family?

I'd suggest going through your statement of fact and checking that everything is answered correctly. If it has been answered correctly, then you shouldn't have any worries about disclosure leading to the possible no claim decision.

However, there are many issues that the insurer will look into, with a fine tooth comb, to ensure that all in order and the claim is legitimate.

Dig out your statement of fact and read through it, that's the best thing you can do now to reassure yourself. Or alternatively, make the claim and the insurer will come back with any queries or next steps they need - either way you will end up doing this anyway to progress the claim and at least get an answer/closure/progression.

Hope this helps a little and if we can help any further, do give us a call on 01832-735388.


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Jason McClean

9:32 AM, 24th December 2018
About 5 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 5 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.


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Jason McClean

9:40 AM, 25th September 2018
About 8 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