21 June 2017



With the holiday season quickly approaching, we have been busy compiling a list of essential travel tips. 

As we often get so excited to take some time off work and jet off somewhere nice, it might be hard to stay organised. 

So here is a list of tips to make travelling a breeze this summer:

  1. Make a list of things you cannot forget to take about a week before going away. This helps ensuring you actually don’t forget them.
  2. Ensure you learn at least a couple of words in the local language like ‘please’, ‘thank you’ and ‘I am sorry’ as it can really go a long way with the locals.
  3.  Make photocopies of important documents and keep them separate, so in case you lose your passport you’ll have a copy and might be able to still travel.
  4.  Ensure you take spare batteries for your camera, so you don’t get caught out wanting to take an amazing sunset photo and realise you have no back ups.
  5.  Put a pair of underwear, spare clothes, electronics, medication and toothbrush in your carry on. You never know what can happen and if your main luggage gets lost you will at least have some spare clothes; a bikini is also a good idea if you’re going on a beach holiday!
  6. Alert your bank that you will be travelling, this might seem obvious but you don’t want to get caught out with a blocked card abroad when you need money.
  7.  Don’t plan every single minute of your holiday, sometimes the best adventures are spontaneous!
  8. Let someone at home know your plans, this is extremely important when travelling solo, but its still a good idea no matter how many people you are travelling with.
  9. Take a first aid travel kit, include things like painkillers, bandages, cold medicines, stomach ache relief, diarrhea and allergy medication.
  10. Take loads of photos, as they can often be the best souvenir.

Get a quick quote on your Travel Insurance before you go away and have peace of mind that you are covered during your trip!

Wednesday, June 21, 2017


With the holiday season quickly approaching, we have been busy compiling a list of essential travel tips. 

As we often get so excited to take some time off work and jet off somewhere nice, it might be hard to stay organised. 

So here is a list of tips to make travelling a breeze this summer:

  1. Make a list of things you cannot forget to take about a week before going away. This helps ensuring you actually don’t forget them.
  2. Ensure you learn at least a couple of words in the local language like ‘please’, ‘thank you’ and ‘I am sorry’ as it can really go a long way with the locals.
  3.  Make photocopies of important documents and keep them separate, so in case you lose your passport you’ll have a copy and might be able to still travel.
  4.  Ensure you take spare batteries for your camera, so you don’t get caught out wanting to take an amazing sunset photo and realise you have no back ups.
  5.  Put a pair of underwear, spare clothes, electronics, medication and toothbrush in your carry on. You never know what can happen and if your main luggage gets lost you will at least have some spare clothes; a bikini is also a good idea if you’re going on a beach holiday!
  6. Alert your bank that you will be travelling, this might seem obvious but you don’t want to get caught out with a blocked card abroad when you need money.
  7.  Don’t plan every single minute of your holiday, sometimes the best adventures are spontaneous!
  8. Let someone at home know your plans, this is extremely important when travelling solo, but its still a good idea no matter how many people you are travelling with.
  9. Take a first aid travel kit, include things like painkillers, bandages, cold medicines, stomach ache relief, diarrhea and allergy medication.
  10. Take loads of photos, as they can often be the best souvenir.

Get a quick quote on your Travel Insurance before you go away and have peace of mind that you are covered during your trip!

14 June 2017



What’s shared ownership all about?
Shared Ownership is a part-buy, part-rent government-backed scheme which usually allows first-time buyers to purchase a 35-75% share of a new home and pay rent on the remainder. This is great if you’ve found the perfect home but you can’t quite afford to take out a mortgage on the full asking price. You will still need to have saved a small deposit which is usually around 5%.


The process
Imagine the home you want costs £200,000 but you can only borrow a mortgage of £100,000 because of your income and the size of your deposit. Shared Ownership would allow you to buy half of the property and the organisation you’re buying from would own the other half. You would then pay a small monthly rent on the 50% share you don’t own and put forward a deposit from 5%. This leaves a maximum mortgage level of 45% (90,000).



Who can apply?
This scheme supports buyers who would struggle to buy a home on the open market. In order to apply you need to be a first time buyer, in permanent employment, live or work locally, or have family connections to the area you want to buy in. You must also have a total household income of up to £80,000.



Costs involved
As well as a 5% deposit, you’ll need to pay for a reservation fee, mortgage valuation or survey, legal fees and stamp duty. You will also need to factor in the costs of moving home, for example hiring a removal firm.

Discount Insurance offers Homeowners great and comprehensive Home Insurance from a range of leading UK insurers, allowing you to find the right cover to meet your needs. Give us a call on 0800 294 4522 for a quick quote today!
Wednesday, June 14, 2017


What’s shared ownership all about?
Shared Ownership is a part-buy, part-rent government-backed scheme which usually allows first-time buyers to purchase a 35-75% share of a new home and pay rent on the remainder. This is great if you’ve found the perfect home but you can’t quite afford to take out a mortgage on the full asking price. You will still need to have saved a small deposit which is usually around 5%.


The process
Imagine the home you want costs £200,000 but you can only borrow a mortgage of £100,000 because of your income and the size of your deposit. Shared Ownership would allow you to buy half of the property and the organisation you’re buying from would own the other half. You would then pay a small monthly rent on the 50% share you don’t own and put forward a deposit from 5%. This leaves a maximum mortgage level of 45% (90,000).



Who can apply?
This scheme supports buyers who would struggle to buy a home on the open market. In order to apply you need to be a first time buyer, in permanent employment, live or work locally, or have family connections to the area you want to buy in. You must also have a total household income of up to £80,000.



Costs involved
As well as a 5% deposit, you’ll need to pay for a reservation fee, mortgage valuation or survey, legal fees and stamp duty. You will also need to factor in the costs of moving home, for example hiring a removal firm.

Discount Insurance offers Homeowners great and comprehensive Home Insurance from a range of leading UK insurers, allowing you to find the right cover to meet your needs. Give us a call on 0800 294 4522 for a quick quote today!

24 May 2017



As summer approaches, many of us will have turned our attention to planning our holidays and you may not have to go far to experience one of Europe’s top destinations!

Leeds has earned its spot among the top 10 places to visit in Europe and has featured in Lonely Planet’s Best in Europe 2017 list.

The city has undergone a transformation over the past decade with urban regeneration and a flourishing cultural scene helping to cultivate an esteemed reputation for Leeds.

Leeds features at number 5 and below is the full list:


1       1. Zagreb, Croatia

Zagreb can often be overlooked by travellers with many favouring the Adriatic coastline but this capital city is cosmopolitan and edgy while also benefitting from warm, sunny weather.

A long awaited terminal building was opened earlier this year in March and offers a number of new flight routes, making Zagreb easier and cheaper to reach than ever.



2       2. Gotland, Sweden

Gotland offers the most sunshine and highest density of historical sites than any other city in Sweden.

The Baltic island has something for everyone, with enchanting forests and awe-striking scenery as well as serene sandy beaches! In June Gotland will host the 2017 Biennial Island Games, adding to the atmosphere of this unique place. 



1       3. Galicia, Spain

Galicia is an autonomous community in the northwest of Spain and has its own language and history. The area features over 1000 kilometres of coast, hundreds of beaches, sheer cliffs, and idyllic fishing villages.

Cambados is the European City of Wine in 2017 so why not take a trip to experience the real flavours of Galicia?


2       4. Northern Montenegro

While Kotor Bay may be gaining quite a reputation for being a stunning place to visit, Northern Montenegro is still a little bit of a secret.

Visit the north of the country and raft through Europe’s deepest canyon, Tara, or cycle through breath-taking landscapes before indulging in traditional hearty meals.

Those interested in history can visit monasteries which have been etched into cliff faces at Ostrog. 



1       5. Leeds, UK

Leeds has reinvented itself as a city for craft beer lovers, a blossoming arts hub and an exciting destination for night owls.

The city has leapt in to the 21st century with stylish boutiques, coffee houses and restaurants popping up quickly.


2       6. Alentejo, Portugal

Alentejo is home to many Unesco World Heritage sites and many hidden wonders including a magnificent Roman temple and a chapel made of bones!

The vineyards, ancient village centres and rich cuisine rank among the best in the country and have been relatively unnoticed on the tourist radar despite being easily accessible from Lisbon. 



1       7. Northern Germany

Northern Germany offers a windswept environment with shimmering beaches and small, inviting islands – perfect for anyone wanting a natural adventure.

The northern cities of Lübeck and Bremen are just a train ride away from places such as Luherstadt Wittenberg and Eisenach.


2       8. Moldova

Moldova will be host to ExpoVin and the Black Sea Wines & Spirits Competition this year as its local wine continues to rise to acclaim. 



1       9. Pafos, Cyprus

Pafos is the European Capital of Culture for 2017 and boasts numerous monuments and fragments of history that tell the tale of a fascinating bygone era.


2      10. Le Havre, France

The harbour town of Le Havre will be celebrating its 500h anniversary this summer with an art and music filled fête which will last five months!

Concerts, outdoor art installations, costumed dance parties and spectacular fireworks will all be a part of the celebrations.


In the excitement of your upcoming trip, it is easy to forget one of the most important things – your travel insurance! At Discount Insurance, we offer highly competitive prices so get a quick quote today!


Wednesday, May 24, 2017


As summer approaches, many of us will have turned our attention to planning our holidays and you may not have to go far to experience one of Europe’s top destinations!

Leeds has earned its spot among the top 10 places to visit in Europe and has featured in Lonely Planet’s Best in Europe 2017 list.

The city has undergone a transformation over the past decade with urban regeneration and a flourishing cultural scene helping to cultivate an esteemed reputation for Leeds.

Leeds features at number 5 and below is the full list:


1       1. Zagreb, Croatia

Zagreb can often be overlooked by travellers with many favouring the Adriatic coastline but this capital city is cosmopolitan and edgy while also benefitting from warm, sunny weather.

A long awaited terminal building was opened earlier this year in March and offers a number of new flight routes, making Zagreb easier and cheaper to reach than ever.



2       2. Gotland, Sweden

Gotland offers the most sunshine and highest density of historical sites than any other city in Sweden.

The Baltic island has something for everyone, with enchanting forests and awe-striking scenery as well as serene sandy beaches! In June Gotland will host the 2017 Biennial Island Games, adding to the atmosphere of this unique place. 



1       3. Galicia, Spain

Galicia is an autonomous community in the northwest of Spain and has its own language and history. The area features over 1000 kilometres of coast, hundreds of beaches, sheer cliffs, and idyllic fishing villages.

Cambados is the European City of Wine in 2017 so why not take a trip to experience the real flavours of Galicia?


2       4. Northern Montenegro

While Kotor Bay may be gaining quite a reputation for being a stunning place to visit, Northern Montenegro is still a little bit of a secret.

Visit the north of the country and raft through Europe’s deepest canyon, Tara, or cycle through breath-taking landscapes before indulging in traditional hearty meals.

Those interested in history can visit monasteries which have been etched into cliff faces at Ostrog. 



1       5. Leeds, UK

Leeds has reinvented itself as a city for craft beer lovers, a blossoming arts hub and an exciting destination for night owls.

The city has leapt in to the 21st century with stylish boutiques, coffee houses and restaurants popping up quickly.


2       6. Alentejo, Portugal

Alentejo is home to many Unesco World Heritage sites and many hidden wonders including a magnificent Roman temple and a chapel made of bones!

The vineyards, ancient village centres and rich cuisine rank among the best in the country and have been relatively unnoticed on the tourist radar despite being easily accessible from Lisbon. 



1       7. Northern Germany

Northern Germany offers a windswept environment with shimmering beaches and small, inviting islands – perfect for anyone wanting a natural adventure.

The northern cities of Lübeck and Bremen are just a train ride away from places such as Luherstadt Wittenberg and Eisenach.


2       8. Moldova

Moldova will be host to ExpoVin and the Black Sea Wines & Spirits Competition this year as its local wine continues to rise to acclaim. 



1       9. Pafos, Cyprus

Pafos is the European Capital of Culture for 2017 and boasts numerous monuments and fragments of history that tell the tale of a fascinating bygone era.


2      10. Le Havre, France

The harbour town of Le Havre will be celebrating its 500h anniversary this summer with an art and music filled fête which will last five months!

Concerts, outdoor art installations, costumed dance parties and spectacular fireworks will all be a part of the celebrations.


In the excitement of your upcoming trip, it is easy to forget one of the most important things – your travel insurance! At Discount Insurance, we offer highly competitive prices so get a quick quote today!


10 May 2017


While we all know that it is important for all landlords to have a watertight legal contract in place to fall back on should anything happen to their property, how can we actually make sure that tenants do not breach the rules of their tenancy?


With new research showing that one in seven renters have broken one or more rules outlined in their tenancy agreement, leaving them potentially facing anything from the loss of their deposit to eviction, insurers have outlined top tips for landlords to ensure that tenants stick to the rules of their contract:


  • Be clear from the outset: Ensure that your adverts clearly state any rules that you feel strongly about, for example looking for non-smoking or pet-free tenants only.


  • Have it agreed in writing: It is imperative to have a written tenancy agreement for your tenants. Not only will they be legally required to pay rent, but it will also clearly outline what is and what isn’t allowed in the property. It’s a good idea to go through all of the clauses and penalties with the tenants before they sign the agreement to ensure that they are clear on the rules of the tenancy.

  • Maintain dialogue with your tenants: You are within your right to make scheduled visits to your property to ensure it is being maintained provided that unscheduled visits to the property have been agreed to in the contract. This will also ensure that tenants look after your property, and dissuade them from breaking the rules too much.


  • Don’t go overboard: Try not to make too many rules. Keep it simple. Establish a trusting, positive relationship with the tenant as they’ll be even more likely to stick to the rules.

  •  Accept that you may need to be flexible: If you have good tenants in your property for a length of time who make a request to get a pet, you may want to consider a compromise. Keeping the value of your property is one thing, but this may be offset by the time and cost of finding new tenants if it becomes a deal breaker.


Discount Insurance offers Landlords and Tenants with great comprehensive insurance at a price to suit your budget! Give us a call on 0800 294 4522 for a quick quote today! 

Wednesday, May 10, 2017

While we all know that it is important for all landlords to have a watertight legal contract in place to fall back on should anything happen to their property, how can we actually make sure that tenants do not breach the rules of their tenancy?


With new research showing that one in seven renters have broken one or more rules outlined in their tenancy agreement, leaving them potentially facing anything from the loss of their deposit to eviction, insurers have outlined top tips for landlords to ensure that tenants stick to the rules of their contract:


  • Be clear from the outset: Ensure that your adverts clearly state any rules that you feel strongly about, for example looking for non-smoking or pet-free tenants only.


  • Have it agreed in writing: It is imperative to have a written tenancy agreement for your tenants. Not only will they be legally required to pay rent, but it will also clearly outline what is and what isn’t allowed in the property. It’s a good idea to go through all of the clauses and penalties with the tenants before they sign the agreement to ensure that they are clear on the rules of the tenancy.

  • Maintain dialogue with your tenants: You are within your right to make scheduled visits to your property to ensure it is being maintained provided that unscheduled visits to the property have been agreed to in the contract. This will also ensure that tenants look after your property, and dissuade them from breaking the rules too much.


  • Don’t go overboard: Try not to make too many rules. Keep it simple. Establish a trusting, positive relationship with the tenant as they’ll be even more likely to stick to the rules.

  •  Accept that you may need to be flexible: If you have good tenants in your property for a length of time who make a request to get a pet, you may want to consider a compromise. Keeping the value of your property is one thing, but this may be offset by the time and cost of finding new tenants if it becomes a deal breaker.


Discount Insurance offers Landlords and Tenants with great comprehensive insurance at a price to suit your budget! Give us a call on 0800 294 4522 for a quick quote today! 

05 April 2017


Owning your first home is an exciting moment. However it’s easy to get swept up in all the excitement and some first-time homeowners lose their heads and make mistakes that can jeopardize everything they’ve worked so hard to earn.

1.      Don’t overspend on furniture and remodelling

Money is tight for most first-time homeowners, not only are their savings depleted, their monthly expenses are often higher as well. This is due to the new expenses that come with home ownership, such as water and electricity bills, and home insurance.  

Everyone wants to personalise a new home and upgrade what may have been temporary apartment furniture for something nicer, but don’t go on a massive spending spree to improve everything all at once. Give yourself time to adjust to the expenses of home ownership and rebuild your savings.

2.      Don’t ignore important maintenance items

One of the new expenses that come with home ownership is making repairs. There is no landlord to call if your roof is leaking or your toilet is overflowing. You should restraint from purchasing the non-essentials, but on the other hand you shouldn’t neglect any problem that puts you in danger or could get worse over time, turning a relatively small problem into a much larger and costlier one.

3.      Hire qualified contractors

Don’t try to save money by making improvements and repairs yourself that you aren’t qualified to make. This may seem to contradict the first point slightly, but it really doesn’t. Your home is both the place where you live and an investment, and it deserves the same level of care and attention you would give to anything else you value highly. There’s nothing wrong with painting the walls yourself, but if there’s no wiring for an electric opener in your garage you need to prioritise things that will help you to keep your home in top condition and avoid injuring yourself.

4.      Don’t confuse a repair with an improvement

Not all home expenses are treated equally for the purpose of determining your home’s basis. Don’t trick yourself into thinking its ok to spend money on something because it’s a necessary “repair” when in truth it’s really a fun improvement. That isn’t good for your finances.



Discount Insurance offers you Home Insurance with great rates from leading UK insurers. Give us a call on 0800 294 4522 for quick call today!
Wednesday, April 05, 2017

Owning your first home is an exciting moment. However it’s easy to get swept up in all the excitement and some first-time homeowners lose their heads and make mistakes that can jeopardize everything they’ve worked so hard to earn.

1.      Don’t overspend on furniture and remodelling

Money is tight for most first-time homeowners, not only are their savings depleted, their monthly expenses are often higher as well. This is due to the new expenses that come with home ownership, such as water and electricity bills, and home insurance.  

Everyone wants to personalise a new home and upgrade what may have been temporary apartment furniture for something nicer, but don’t go on a massive spending spree to improve everything all at once. Give yourself time to adjust to the expenses of home ownership and rebuild your savings.

2.      Don’t ignore important maintenance items

One of the new expenses that come with home ownership is making repairs. There is no landlord to call if your roof is leaking or your toilet is overflowing. You should restraint from purchasing the non-essentials, but on the other hand you shouldn’t neglect any problem that puts you in danger or could get worse over time, turning a relatively small problem into a much larger and costlier one.

3.      Hire qualified contractors

Don’t try to save money by making improvements and repairs yourself that you aren’t qualified to make. This may seem to contradict the first point slightly, but it really doesn’t. Your home is both the place where you live and an investment, and it deserves the same level of care and attention you would give to anything else you value highly. There’s nothing wrong with painting the walls yourself, but if there’s no wiring for an electric opener in your garage you need to prioritise things that will help you to keep your home in top condition and avoid injuring yourself.

4.      Don’t confuse a repair with an improvement

Not all home expenses are treated equally for the purpose of determining your home’s basis. Don’t trick yourself into thinking its ok to spend money on something because it’s a necessary “repair” when in truth it’s really a fun improvement. That isn’t good for your finances.



Discount Insurance offers you Home Insurance with great rates from leading UK insurers. Give us a call on 0800 294 4522 for quick call today!

15 March 2017


Permitted development rights, which stem from a general planning consent granted not by the local authority but by parliament, generally allow you to add space and value to your home without the need to spend time and money obtaining planning consent, but what is permitted?

The history of your house must be checked before undertaking any external alternations, in order to determine whether your permitted development rights have been removed by the council as the local planning authority.

  • Restrictions - If your permitted development rights have been removed, you will have to submit a planning application for any alterations that you want to make to your property that would not normally require the council’s consent. It is highly recommended that you check with the local planning authority before making any alterations.

  • Garage conversion - Many homeowners choose to convert the garage into an additional bedroom or bathroom, and the good news is that consent is generally not required for a garage conversion, providing the work is internal and does not involve enlarging the building.

  • Loft conversion - You can usually make alterations to your loft without submitting an application for planning permission as long as the size allowance is not exceeded (check your local council’s website). No extension should be higher than the highest part of the roof or extend beyond the plane of the existing roof slope, while materials used should be similar in appearance to those used on the existing house. Balconies or raised platforms are generally not allowed without planning permission.

  • Extension - An extension or addition to your house is an ideal way to add space and value to your home. A rear or side extension is often considered to be permitted development, not requiring an application for planning permission, especially if it is a single-storey extension of no more than four metres tall and as long as it is no more than half the area of land around the ‘original house’.

  • Outbuildings - Standard size garages, sheds and other outbuildings are generally considered to be permitted development.

  • If in doubt, check it out - Permitted development rights can be complex and so if you are in any doubt you should seek further information on permitted development rights by visiting the Planning Portal.


Discount Insurance provides Home Insurance policies from a range of leading UK insurers, allowing you to find the right cover to meet your needs. Give us a call on 0800 294 4522 for a quick quote today! 

Wednesday, March 15, 2017

Permitted development rights, which stem from a general planning consent granted not by the local authority but by parliament, generally allow you to add space and value to your home without the need to spend time and money obtaining planning consent, but what is permitted?

The history of your house must be checked before undertaking any external alternations, in order to determine whether your permitted development rights have been removed by the council as the local planning authority.

  • Restrictions - If your permitted development rights have been removed, you will have to submit a planning application for any alterations that you want to make to your property that would not normally require the council’s consent. It is highly recommended that you check with the local planning authority before making any alterations.

  • Garage conversion - Many homeowners choose to convert the garage into an additional bedroom or bathroom, and the good news is that consent is generally not required for a garage conversion, providing the work is internal and does not involve enlarging the building.

  • Loft conversion - You can usually make alterations to your loft without submitting an application for planning permission as long as the size allowance is not exceeded (check your local council’s website). No extension should be higher than the highest part of the roof or extend beyond the plane of the existing roof slope, while materials used should be similar in appearance to those used on the existing house. Balconies or raised platforms are generally not allowed without planning permission.

  • Extension - An extension or addition to your house is an ideal way to add space and value to your home. A rear or side extension is often considered to be permitted development, not requiring an application for planning permission, especially if it is a single-storey extension of no more than four metres tall and as long as it is no more than half the area of land around the ‘original house’.

  • Outbuildings - Standard size garages, sheds and other outbuildings are generally considered to be permitted development.

  • If in doubt, check it out - Permitted development rights can be complex and so if you are in any doubt you should seek further information on permitted development rights by visiting the Planning Portal.


Discount Insurance provides Home Insurance policies from a range of leading UK insurers, allowing you to find the right cover to meet your needs. Give us a call on 0800 294 4522 for a quick quote today!