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Blog Posts (23)

  • What is Serviced Apartment insurance?

    If you own a Serviced Apartment, then you need insurance for your unit or apartment which covers short term holiday rentals or stays. Have you decided to rent it out and you are using an onsite manager to take bookings and care for your unit as a serviced apartment? Then you need a landlords insurance policy which covers you for short term rental stays and your insurance company needs to be aware that it is a serviced apartment. What does Serviced Apartment mean? Serviced Apartments are usually furnished apartments or units rented out for short-term stays where the owner pays a manager to clean the apartment and manage the bookings for the holiday rentals. Serviced apartments will be fully furnished with linen and cooking utensils supplied. Holiday makers do not have to supply linen and have all the benefits of services like cleaning, booking office or reception, included in the cost of the Serviced apartment booking. Similar to a motel room except you have the benefits of an apartment and can do your own cooking and you have more room. They are great for families. Serviced apartments may be serviced weekly or daily and there would usually be a cost to this included in the booking. You may have the option to have the unit cleaned for the duration of your stay or at the end of your booking. As an owner of the service apartment you have the benefit of regular cleaning and the manager taking away the stress or time involved in managing the apartment bookings, cleaning and even mamaging the maintentance depending on what you have agreed with the manager. Why won’t my insurance company insure Serviced Apartments? Many insurance companies will not insure serviced apartments. This may because they are concerned by the extra risk imposed by having a third party clean your apartment or other reasons. The insurer may or may not be happy to insure your property for short term holidays, but once you mention that it is a serviced apartment, they may decline to insure you. If you have run into this problem, we may be able to help you with insurance for your serviced apartment or unit with a specialist landlords’ policy which caters for serviced apartments. You can generally insure your Contents, Loss of rent and Landlords Public liability which protects you if a tenant is injured and you are found legally liable for some unexpected reason. Do you want to know if your Insurance covers your Serviced Apartment for short term holiday tenants? Then, 1. At the very least you must inform your insurance company and get confirmation that they will cover your Service apartment for the short term holiday rentals. 2. Check that they will cover periods when your property is unoccupied between holiday rentals. 3. Will they cover you if you manage it yourself or do you have to use an agent. 4. When it is unoccupied what cover will they provide. Will it be full cover or restricted cover or no cover at all? 5. Do not just assume you are covered you must check! 6. Do you really want to take the risk of being uninsured because you did not check with your current insurer? Or not be insured because you did not advise your new insurer when taking out the policy that it was going to be let as a Serviced Apartment for short term rentals. So, call you insurance company or insurance broker to check today! How can we help with your Serviced Apartment Insurance? We can assist you with a wide range of holiday apartment & serviced apartment Insurance with cover for damage to your contents and owner’s fixtures and fittings caused by fire, storm, and other listed perils. You can include policy options such as accidental damage, landlord’s public liability, landlords’ contents, loss of rent, malicious damage, and tenant damage for instance. Generally, the building is covered by the Strata policy or Apartment insurance. However, if your lender requires mortgagee building insurance then we can assist here as well. Conditions apply to all policies. Please view the Landlords Product Disclosure Statement which we will send with your quote. Alternatively call Insure More @ on 02 6555 5022 and we will help explain the options or you can complete one of our online forms here to request a Serviced Apartment Insurance quote or visit our Serviced Apartment & Unit Insurance page to find out more.

  • How do I know if my house is at risk of flooding?

    Try this free tool on our website provided by Steadfast. It is called the Steadfast Flood Risk Tracker tool. Insurance is important to provide protection against unexpected loss or damage. If you have a Holiday Home, Rental Property, House, Business or Commercial Property you may not be aware of your long term risk of damage from Flood or Tsunami. With the recent floods it is important we all understand our long term risk for this type of loss. We hope this free tool helps you understand your risk of Flood or Tsunami and perhaps helps you work out the type of action you can take to reduce your risk of loss. Click on the below link to learn more. Steadfast Flood Risk Tracker tool. Feel free to call us on 02 6555 5022 for a free quote on your insurance needs or if you have any questions at all on insurance.

  • Short Term Holiday Rentals am I covered?

    Short Term Holiday Rental Insurance are you covered? If you have just purchased an investment property and now want to rent it out for Short Term Stays & Holiday Makers, or you previously had long term tenants with a lease and now want to change to Holiday rentals. Do you want to advertise and list your Holiday Home or Holiday Unit on sites like Wotif, AirBNB, Stayz and similar sites? If so, do you realise that your current Landlords insurance or Home insurance policy may not cover short term holiday rentals. Do you want to know if your covered for short term holiday tenants? Then, At the very least you must inform your insurance company and get confirmation that they will cover you for the short term rentals. Check that they will cover periods when your property is unoccupied between holiday rentals. Will they cover you if you manage it yourself or do you have to use an agent. When it is unoccupied what cover will they provide. Will it be full cover or restricted cover or no cover at all? Do not just assume you are covered you must check! Do you really want to take the risk of being uninsured because you did not check with your current insurer? Or not be insured because you did not advise your new insurer when taking out the policy that it was going to be let for short term rentals. Why won’t some insurance companies cover short term Rentals? One of the main risks is unoccupancy. It is possible your property may be vacant for long periods when let out for holiday rentals. Holiday Homeowners face increased risk of malicious damage, vandalism, and water damage when they are not there to check on the property. When you live in a property you become aware of damage and faults much quicker before it develops into a more serious fault. This reduce the risk to the insurance company. For these reasons and more not discussed here, many insurers will only cover unoccupancy for short periods. So, call you insurance company or insurance broker to check today. Alternatively call Insure More @ on 02 6555 5022 and we will help explain the options, Alternatively, you can complete one of our online forms here to request a Holiday Home Insurance quote or visit our Holiday Home Insurance page to find out more.

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  • Holiday Home Insurance | Insure More @ | Australia Wide

    Ask us How We can help with your Insurance Holiday Home Insurance Get The Coverage You Deserve Holiday Home Insurance Home & Contents Insurance The Protection You Need Home & Contents Insurance Tradesman Insurance Your Well being Comes First Trades Pack Insurance Wide range of Insurance See more Insurance Types in the menu at top Providing Solutions since 1985 WHO WE ARE AND OUR APPROACH At Insure More @, we are committed to excellence. We are Insurance Brokers based in the Forster NSW region. Since our founding in 1985 we have been working hard to ensure our clients receive the best possible insurance services. Our team of professionals offer unparalleled customer support and expert advice. Learn more about what we do by contacting one of our insurance broker team for a free insurance quote or estimate. You’ll be surprised to learn what we can offer you and your business.

  • Pay my Insurance | Renewals | Trades | Business | Insure More @ | Australia wide

    Pay Your Invoice Three Easy ways to maintain your insurance cover. 1 - You can pay by Credit Card over the phone by calling 1300 78 11 45 , or pay online on this page. ​ 2 - You can pay by BPAY pay with your own internet banking. ​ 3 - You can pay conveniently at any local Post Office by Post Billpay using cash, cheque or EFTPOS . Take your invoice with you to a local Post Office (Cash cannot exceed $9999.99) How to Pay with a Credit Card now. ​ Have your Insure More @ invoice ready. Note the DEFT Reference Number on your invoice, the details are located at the bottom left of your invoice, underneath the DEFT payment symbol. Example : Deft Reference Number 12345XXXXXXXXX ​ Click on Pay Your Invoice to go to the DEFT payment window. ​ 1. Select Pay without a login and enter your DEFT reference number as shown on your Insure More @ invoice. 2. Enter your credit card details. ​ 3. Enter the amount due. ​ 4. Enter your email address to receive a receipt & tick the box I am not a robot to complete. ​ ​ ​ ​ How to Pay your Insurance Invoice using BPAY. Note the BPAY Biller Code: and Ref: details located to the lower left of your invoice, next to the BPAY symbol. Example : Biller Code: 20362 Ref: eg 123456789123456 Then go to your Bank or Financial Institutions internet banking and enter your insurance BPAY invoice details. Note our Biller account is shown as DEFT INSURANCE* or CBN Pty Ltd d epending on your financial institution . Our system updates in 1 or 2 business days depending on your Bank, if you request a receipt it will be emailed the next business day. ​ If you wish to change your insurance to monthly instalments, please contact us to discuss options. Use the form below if you would like a receipt emailed to you, or to send a message if you would like to mention anything at all. We welcome your feedback. ​ If you have any trouble renewing your Holiday Home insurance, Landlords, Car, Business or Personal insurance just let us know. BPAY Pay Your Invoice Receipt or Other Request First Name Last Name Email Phone Anything you want to add or let us know Invoice number listed on your policy schedule Client code - Our Ref No. Date paid Request Type Select one or more Receipt Request Certificate Of Currency Request Find out about Instalment Options Other Submit Thanks for submitting!

  • Tradesman Insurance | Insure More @ | Australia | Forster NSW

    Start a Quote Call us 02 6555 5022 Tradesman Public Liability & Tools Insurance ​ On this page you can find out about and obtain a quote for Public Liability Insurance to protect your Tradesman, Builders, Contracting, Construction Trades or Subcontracting business by completing a Trades Public Liability Insurance Quote form . Options you can include on the Public Liability insurance package include Equipment, Tools of Trade,Trailer cover & Personal Accident. We can provide cover for a wide range of Tradesman occupations & business. What is Public Liability Insurance? ​ If a accident or unexpected incident causes damage or injury to someone (other than employees), you may be found legally liable to cover the costs. Public liability insurance can help shield your Business, Trades, Construction, Welding, Contracting, Mobile business from the financial risk of liability claims giving you the certainty you need to run your business with confidence. ​ How can it safeguard my business? ​ Public and product liability insurance helps protect your legal liability to third parties, including clients, customers and the public for injury or damage to their property caused by your business operations. It can even cover emotional distress or shock that your business causes to another person. ​ It will usually pay your costs of investigating, defending and settling claims, as well as any compensation payment you are found legally liable to pay. ​ What typically isn’t covered? ​ Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer. Policies generally won’t include cover for: Cost of rectifying faulty workmanship Damage to your own property Claims by employees Claims arising out of the use of a registered motor vehicle Claims related to asbestos ​ How to get Public Liability Insurance. ​ Let us help provide you with competitive quotes for Tradesman Public Liability Insurance for your business or trade by completing the Public Liability Insurance Quote form above . You can also inlude insurance options such as Tools of Trade and Trailer cover. We will use the information you provide to obtain quotes and options from the insurers on our approved list. We use a wide range of insurance companies, not just one. ​ We are here to help, based in the Forster NSW region we can help with your insurance needs including Business, Trades, Public Liability, Holiday Home and Short Term Rental Holiday Let insurance. Need Insurance in Forster - Local insurance brokers in Forster Tuncurry. Insure More @ 53 Write a comment Covid-19 Update 22 Write a comment Public Liability Insurance for Welders 61 Write a comment

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