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: 122

Jason McClean

16:26 PM, 10th July 2019
About A week ago

Can I claim for hail damage 12 months ago?

Good luck, Darren, hope it works out one way or another!... Read More

Jason McClean

11:51 AM, 10th July 2019
About A week ago

Can I claim for hail damage 12 months ago?

Hi Darren

You can try to claim for this with the insurer you had at the time but I think it will be very difficult to prove the damage in association with any insured event given the time that has gone by and both tenant and letting agent not reporting any damage. Your claim is at odds with what they have reported.

You could end up registering a claim that is refused and you will need to disclose the claim when asking for future insurance despite getting nothing out of it. That could put the cost of insurance up or reduce the number of providers you can use.

Alternatively, they may accept the claim and payout, it all depends on the quality and approach of the insurer.

Sorry I couldn't be more positive for you.


Jason... Read More

Jason McClean

10:12 AM, 6th June 2019
About a month ago

Tenant's damaged electrical goods uninsured

Hi Ray

Unfortunately, you and the tenant have no recourse to the owner of the flat above - he does not insure your property or your tenant's contents.

The owner of the flat above has no easy to discern legal liability to your tenant. If your tenant would like to pursue legal liability for the damage, then he will need good solicitors and deep pockets. As well as being prepared to lose. How can you hold the flat owner responsible for an accidental escape of water? How can you prove he has been negligent?

This goes to show the value of having your own insurance. Your insurers have paid for the damage to your property as is their legal obligation. It's up to them if they want to pursue the owner of the flat above, but most likely they will not for the reasons stated above.

If your tenant had contents insurance, then they would have replaced his items for him. Without it, he has limited options and I suggest would need to take legal advice.

It's a shame, when the average contents insurance policy costs around £76 per year for £5000 contents cover. It really is a false economy to not buy it.

I wish I could be more positive but hope the direct response helps to clear things up.

Jason McClean... Read More

Jason McClean

12:04 PM, 30th May 2019
About 2 months ago

UK’s driveway income hotspots

Hi Neil

Shouldn't make any difference as most policies that I am aware of do not have wording prohibiting this sort of activity.

If the car damages the property, then the claim will come off the car insurer, not the property insurance.

It may be construed as some sort of sublet, however, which needs disclosing to the insurer. Anyone doing this should tell their landlord who should disclose to insurer, just to be on the safe side.


Jason... Read More

Jason McClean

8:57 AM, 16th May 2019
About 2 months 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