Insurance Expert

Insurance
Ask Rene Swindley, CEO of Initio Insurance, questions relating to insurance.

Rene is the founder of digital insurance platform Initio, which is about insuring houses online in real time to provide a faster, smoother and customer-first approach to property insurance.

Rising premiums

Miranda asks:

I'm just wondering why have my property insurance premiums suddenly increased?

Read the answer from our expert »

Insurance for tenants

Laura asks:

I'm trying to find contents insurance as a renter that would cover my contents as well as any carpet damage caused by myself or my cat. Any suggestions / advice?

Read the answer from our expert »

Spa damage liability

Ana asks:

We believe our tenant forgot to close the locks on the cover of the spa pool and heavy wind blew it away leaving two of the locks broken. It was in good condition when the tenant moved in and she signed the landlord checklist to state that nothing was wrong. But now she is saying that it was broken because of its age, weight, and sun damage.

I don’t have a photo of the spa as it was when she moved in. But I do have the council’s periodic inspection reports and they ensured the spa cover is secure and that the spa poses no danger for children.

Our tenant does not want to repair it because of the current law stating that if a landlord has insurance, the tenant does not have to pay for repair of damage nor the excess of insurance. The house is insured but its contents are not insured which means that the spa is also not insured. So does my tenant have to pay for the cover repair?

 

 

 

 

 

 

Read the answer from our expert »

Search the Ask an Expert archive

Browse all questions in the Ask An Expert Archive »

Site by PHP Developer