15 May 2019


Happy Tenants



In these turbulent times, a landlord’s relationship with your tenants could be the best investment you make.


Renters’ needs are evolving and in order to attract good tenants, landlords need to keep pace with them. Small changes in your approach to your tenants, as well as to the property, could be the difference between void periods and a profit.


Here are some tips on ensuring you stay ahead of the pack in a shifting market.


Get to know your tenant


Like any relationship, the one between a tenant and a landlord needs nurturing and commitment.


Good landlords attract good tenants, and if you put in the effort to keep on top of repairs and respond quickly to problems, your tenants are more likely to respect you and your property. 


Good tenants have high standards themselves, don’t make the mistake of dismissing them and assume they are going to wreck the place. If you treat them like that, they may just behave like that.


Take regular inspections and an interest in the property, but don’t be too chummy - stay within the legal requirements and be sure to give your tenants plenty of notice before popping round.


Invest in decent fixtures and fittings 


Creating a wow factor can mean the difference between a quick let and a money-sapping yield period. There’s no need to blow your budget, but don’t opt for the shoddiest. Tenants can spot cheap and uncheerful a mile off and will treat the place accordingly - if you don’t care, neither will they.


Be prepared to be more flexible 


Many landlords’ knee-jerk reaction is to ban pets. By waiving a pet ban, landlords could attract more responsible, settled tenants. Think about placing an ad with ‘pets considered’ which ensures you stay in control and allows you to make a decision once you’ve met your potential tenant - and their furry friend.


Help them put down roots 


And on that note, do what you can to help your tenants settle in. It may be your property but it is their home and if you are keen to encourage longer tenancies, allowing them to personalise it can make a difference. This may mean allowing them to hang pictures or even decorate. Ensure conditions are included in the tenancy agreement.


At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love.

To find out more visit discountinsurance.co.uk or to get a quick quote call us on 0800 294 4522! 
Wednesday, May 15, 2019

Happy Tenants



In these turbulent times, a landlord’s relationship with your tenants could be the best investment you make.


Renters’ needs are evolving and in order to attract good tenants, landlords need to keep pace with them. Small changes in your approach to your tenants, as well as to the property, could be the difference between void periods and a profit.


Here are some tips on ensuring you stay ahead of the pack in a shifting market.


Get to know your tenant


Like any relationship, the one between a tenant and a landlord needs nurturing and commitment.


Good landlords attract good tenants, and if you put in the effort to keep on top of repairs and respond quickly to problems, your tenants are more likely to respect you and your property. 


Good tenants have high standards themselves, don’t make the mistake of dismissing them and assume they are going to wreck the place. If you treat them like that, they may just behave like that.


Take regular inspections and an interest in the property, but don’t be too chummy - stay within the legal requirements and be sure to give your tenants plenty of notice before popping round.


Invest in decent fixtures and fittings 


Creating a wow factor can mean the difference between a quick let and a money-sapping yield period. There’s no need to blow your budget, but don’t opt for the shoddiest. Tenants can spot cheap and uncheerful a mile off and will treat the place accordingly - if you don’t care, neither will they.


Be prepared to be more flexible 


Many landlords’ knee-jerk reaction is to ban pets. By waiving a pet ban, landlords could attract more responsible, settled tenants. Think about placing an ad with ‘pets considered’ which ensures you stay in control and allows you to make a decision once you’ve met your potential tenant - and their furry friend.


Help them put down roots 


And on that note, do what you can to help your tenants settle in. It may be your property but it is their home and if you are keen to encourage longer tenancies, allowing them to personalise it can make a difference. This may mean allowing them to hang pictures or even decorate. Ensure conditions are included in the tenancy agreement.


At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love.

To find out more visit discountinsurance.co.uk or to get a quick quote call us on 0800 294 4522! 

01 May 2019


Whether to allow tenants to decorate your property is a difficult decision for a landlord. 


Having long-term, reliable tenants is a real benefit for landlords and people are far more likely to stay put if they are able to make an otherwise anonymous magnolia-painted rented flat or house feel like home.


But letting your tenants free with a paintbrush could make the property unappealing to future tenants and leave you with a large re-decorating job at the end of a tenancy.


This doesn’t mean you shouldn’t let your tenants lose with a roller and a tin of Dulux. With a little communication and a clear understanding, allowing tenants to decorate can benefit both them and you.


Laying down some of these decorating conditions, which should be stipulated in the tenancy agreement, can help your tenants settle in and give you peace of mind.

  • Put in writing whether you would like your property returned to its original state when your current tenant leaves. 

  • Tenants should not re-decorate themselves without seeking permission from a landlord, or a letting agent, in advance

  • It is not usually in the landlord’s interests to allow short-term tenants to re-decorate a property. Make it a condition that a tenant has to have lived in the property for at least six months, and you are confident they will be staying for the foreseeable future, before giving them the go-ahead to decorate.

  • Make it a condition that tenants use a professional to do the painting or ask them to sign a declaration that they will pay for any additional work that needs doing to rectify a bad paint job.

  • Stipulate which colour schemes tenants should stick to and work with them on any decorating decision if possible (although if you have allowed them to decorate, you can’t be too dictatorial, this is after all about allowing them to personalise the property). 

  • Take a proper inventory before the tenant starts decorating and remind them that any paint damage to furnishings and fittings will be their responsibility and will need to be cleaned or paid for.

At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love.

To find out more visit discountinsurance.co.uk or to get a quick quote call us on 0800 294 4522! 

Wednesday, May 01, 2019

Whether to allow tenants to decorate your property is a difficult decision for a landlord. 


Having long-term, reliable tenants is a real benefit for landlords and people are far more likely to stay put if they are able to make an otherwise anonymous magnolia-painted rented flat or house feel like home.


But letting your tenants free with a paintbrush could make the property unappealing to future tenants and leave you with a large re-decorating job at the end of a tenancy.


This doesn’t mean you shouldn’t let your tenants lose with a roller and a tin of Dulux. With a little communication and a clear understanding, allowing tenants to decorate can benefit both them and you.


Laying down some of these decorating conditions, which should be stipulated in the tenancy agreement, can help your tenants settle in and give you peace of mind.

  • Put in writing whether you would like your property returned to its original state when your current tenant leaves. 

  • Tenants should not re-decorate themselves without seeking permission from a landlord, or a letting agent, in advance

  • It is not usually in the landlord’s interests to allow short-term tenants to re-decorate a property. Make it a condition that a tenant has to have lived in the property for at least six months, and you are confident they will be staying for the foreseeable future, before giving them the go-ahead to decorate.

  • Make it a condition that tenants use a professional to do the painting or ask them to sign a declaration that they will pay for any additional work that needs doing to rectify a bad paint job.

  • Stipulate which colour schemes tenants should stick to and work with them on any decorating decision if possible (although if you have allowed them to decorate, you can’t be too dictatorial, this is after all about allowing them to personalise the property). 

  • Take a proper inventory before the tenant starts decorating and remind them that any paint damage to furnishings and fittings will be their responsibility and will need to be cleaned or paid for.

At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love.

To find out more visit discountinsurance.co.uk or to get a quick quote call us on 0800 294 4522! 

20 March 2019


With warmer spring weather finally in reach, what better time to get out there and do some necessary maintenance on your property that could potentially save you some money on a larger job later on!

Here are a few of Discount Insurance’s top tips for upholding your property this spring. 

1. Clear out the garden 

Most people abandon the upkeep of their garden during the winter months, and who would blame them? 

There’s a snowball’s chance in hell that you’d rather be outside in the cold up keeping the maintenance of your garden over cuddling up indoors in the warmth with a hot chocolate. 

An overgrown garden isn’t a pretty sight, but this is how most gardens end up after winter. 

Weeds are rife at this time of the year. Make sure to remove any weeds in patios and driveways as these can cause cracks that in turn can lead to drainage problems.  Use a concrete filler to help seal it off. 

It’s a good idea to check on any trees or branches that are at risk of falling to prevent damage to properties and electrical lines. 

Be sure to feed your soil with a good quality fertilizer, remove any leaves and debris and add a fresh lick of paint to the shed or fences if you feel like they have weathered during the winter.  


2. Review the gutters 

The role of the guttering is to stop damage to your property from overflowing rainwater. In order to do its job properly, the gutters need to be cleaned ideally twice a year.  

Remove any leaves or debris blocking the gutters. You can either do this yourself if you feel comfortable to save money or hire a professional to do it for you. 

Be sure to replace any lose or leaky gutters to help prevent costly damage to your property. 


3. Inspect the roof 

This task is very important as it can prevent any problems from escalating further and saves you a  huge repairs bill! 

A common problem for roofs is tiles being blown away or out of place in the wind. This will need attention swiftly as it may cause water penetration to the felt underneath the tiles.  Be sure to replace any tiles. 

If you have a flat roof you will need to examine for damp patching or sagging. 

Also, check for any unwanted visitors like rodents and birds. Call pest control in order to prevent any further damage to your property. 



At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love. 

To find out more visit discountinsurance.co.uk/home or to get a quick quote call us on 0800 294 4522


Wednesday, March 20, 2019

With warmer spring weather finally in reach, what better time to get out there and do some necessary maintenance on your property that could potentially save you some money on a larger job later on!

Here are a few of Discount Insurance’s top tips for upholding your property this spring. 

1. Clear out the garden 

Most people abandon the upkeep of their garden during the winter months, and who would blame them? 

There’s a snowball’s chance in hell that you’d rather be outside in the cold up keeping the maintenance of your garden over cuddling up indoors in the warmth with a hot chocolate. 

An overgrown garden isn’t a pretty sight, but this is how most gardens end up after winter. 

Weeds are rife at this time of the year. Make sure to remove any weeds in patios and driveways as these can cause cracks that in turn can lead to drainage problems.  Use a concrete filler to help seal it off. 

It’s a good idea to check on any trees or branches that are at risk of falling to prevent damage to properties and electrical lines. 

Be sure to feed your soil with a good quality fertilizer, remove any leaves and debris and add a fresh lick of paint to the shed or fences if you feel like they have weathered during the winter.  


2. Review the gutters 

The role of the guttering is to stop damage to your property from overflowing rainwater. In order to do its job properly, the gutters need to be cleaned ideally twice a year.  

Remove any leaves or debris blocking the gutters. You can either do this yourself if you feel comfortable to save money or hire a professional to do it for you. 

Be sure to replace any lose or leaky gutters to help prevent costly damage to your property. 


3. Inspect the roof 

This task is very important as it can prevent any problems from escalating further and saves you a  huge repairs bill! 

A common problem for roofs is tiles being blown away or out of place in the wind. This will need attention swiftly as it may cause water penetration to the felt underneath the tiles.  Be sure to replace any tiles. 

If you have a flat roof you will need to examine for damp patching or sagging. 

Also, check for any unwanted visitors like rodents and birds. Call pest control in order to prevent any further damage to your property. 



At Discount Insurance we offer specialist Home Insurance to protect your home and its contents at an affordable price you'll love. 

To find out more visit discountinsurance.co.uk/home or to get a quick quote call us on 0800 294 4522


13 February 2019


Trends can be described as a fashion, something that is constantly changing year on year. This is the same with home décor. 2019’s trends seem to allow us to have more fun, add more colours and personality. Here are a few tips so that you can keep your home on trend this year!



Coral



Every year Pantone, the colour institute, predicts what they believe will be on trend colour of the year.  Last year it was Ultra Violet, this year it is Living coral:  a lovely warm peach shade with earthy undertones.

The natural and earthy undertones make it a colour that is easily paired with a variety of colour palettes

Living Coral is very different from the neutral colour trends over the past few years.  The perfect way to incorporate this pop of colour into your home without overdoing it would be through accents, whether that be a feature wall, accessories or small pieces of furniture.


Mix and Match 




Last year it was all about matching furniture sets giving off a showroom vibe. 

This year it’s more fun. It is about having the freedom to mix and match furniture, especially in the living room, allowing for creativity to blossom. 

Mix and matching allows you to incorporate different textures and colours into the room adding more life and personality. This year is the time to experiment and allow your living room to be a reflection of your personal style. 


Floral Print




2019 is the year where we show a  modern and abstract interpretation of the traditional floral print. 

This trend can be added into your home through floral wallpaper but also floral printed furniture and fabric for a more subtle look. 

If you are worried about overdoing it using accents is a great way to add floral print into your room in a more muted way. Whether this is using floral print cushions on a neutral sofa or a floral print wall. Having 90% white with 10% colour in a room is also another trend for 2019. 


Discount Insurance can provide you with great value Home Insurance call 0800 294 4522 for a quote today!



Wednesday, February 13, 2019

Trends can be described as a fashion, something that is constantly changing year on year. This is the same with home décor. 2019’s trends seem to allow us to have more fun, add more colours and personality. Here are a few tips so that you can keep your home on trend this year!



Coral



Every year Pantone, the colour institute, predicts what they believe will be on trend colour of the year.  Last year it was Ultra Violet, this year it is Living coral:  a lovely warm peach shade with earthy undertones.

The natural and earthy undertones make it a colour that is easily paired with a variety of colour palettes

Living Coral is very different from the neutral colour trends over the past few years.  The perfect way to incorporate this pop of colour into your home without overdoing it would be through accents, whether that be a feature wall, accessories or small pieces of furniture.


Mix and Match 




Last year it was all about matching furniture sets giving off a showroom vibe. 

This year it’s more fun. It is about having the freedom to mix and match furniture, especially in the living room, allowing for creativity to blossom. 

Mix and matching allows you to incorporate different textures and colours into the room adding more life and personality. This year is the time to experiment and allow your living room to be a reflection of your personal style. 


Floral Print




2019 is the year where we show a  modern and abstract interpretation of the traditional floral print. 

This trend can be added into your home through floral wallpaper but also floral printed furniture and fabric for a more subtle look. 

If you are worried about overdoing it using accents is a great way to add floral print into your room in a more muted way. Whether this is using floral print cushions on a neutral sofa or a floral print wall. Having 90% white with 10% colour in a room is also another trend for 2019. 


Discount Insurance can provide you with great value Home Insurance call 0800 294 4522 for a quote today!



30 January 2019



With forecasters predicting heavy snowfall over the coming weeks, it is now more important than ever to get our four- legged friends ready. We have a few tips to keep your furry friends safe on those winter walkies.

 Keep your dog warm 

Invest in a suitable winter jacket, especially if your dog is short-haired, a smaller breed or old as they will need more help in preserving their body heat.

Go for one that is waterproof but is also high-vis, to ensure that your dog can been seen on those dark wintry evening walks. 


Protect their paws 

Dog's paws can be protected using dog winter boots. They can help keep paws dry and less cold, although some dogs are not to fond of this idea. 

After a walk make sure to wipe down their feet, legs and stomach area with a towel. This is especially important as grit and antifreeze can cause irritation. 

Antifreeze is poisonous to pets if swallowed and can be fatal. 


Choose the right leash 

Go for a lead that allows you  to have more control.  Avoid retractable ones as they provide less control.

Be sure to check your dog’s leads, harnesses and collars regularly to ensure that they are safe to use.  Wet conditions causes metal on these items to rust.

Dogs can get overwhelmed by snow so it is best to keep them on the lead when it is snowing heavily.


ID tag

It is very important to make sure your dog is wearing a collar with an ID tag attached detailing your latest contact details.  Update these details on the micro-chipping database too so that if your dog does get lost they can easily be retuned home.


Pet owners, protect your little friends with our Pets Insurance! Call 0800 294 4522 to get a quick quote today!
Wednesday, January 30, 2019


With forecasters predicting heavy snowfall over the coming weeks, it is now more important than ever to get our four- legged friends ready. We have a few tips to keep your furry friends safe on those winter walkies.

 Keep your dog warm 

Invest in a suitable winter jacket, especially if your dog is short-haired, a smaller breed or old as they will need more help in preserving their body heat.

Go for one that is waterproof but is also high-vis, to ensure that your dog can been seen on those dark wintry evening walks. 


Protect their paws 

Dog's paws can be protected using dog winter boots. They can help keep paws dry and less cold, although some dogs are not to fond of this idea. 

After a walk make sure to wipe down their feet, legs and stomach area with a towel. This is especially important as grit and antifreeze can cause irritation. 

Antifreeze is poisonous to pets if swallowed and can be fatal. 


Choose the right leash 

Go for a lead that allows you  to have more control.  Avoid retractable ones as they provide less control.

Be sure to check your dog’s leads, harnesses and collars regularly to ensure that they are safe to use.  Wet conditions causes metal on these items to rust.

Dogs can get overwhelmed by snow so it is best to keep them on the lead when it is snowing heavily.


ID tag

It is very important to make sure your dog is wearing a collar with an ID tag attached detailing your latest contact details.  Update these details on the micro-chipping database too so that if your dog does get lost they can easily be retuned home.


Pet owners, protect your little friends with our Pets Insurance! Call 0800 294 4522 to get a quick quote today!

14 March 2018



February may have been the month of love, but to put it bluntly, it has not been kind. Between the "Beast from the East" and Storm Emma, there is only so much one can take of icy winds, heavy snow, ugly snow boots, and virtually mummifying ourselves before stepping out of our homes. But now that spring is round the corner, it is safe to seriously consider kicking that cabin fever. And beat winter’s doom and gloom with the jewel-like brightness of Crocuses, Daffodils, Tulips and Bluebells poking their happy heads in your garden.  Rewards come to those who toil. So first, step outside and figure out just how you are going to give your garden that much needed TLC. So for your first weekend project, ensure your garden is ready to make the most of the warm weather ahead. We’ve put together a simple to-do list for you, so that you can get your garden looking beautiful, quickly and competently.

First things first: Clean up!

You spring clean your home, and your garden deserves the same respect. Inspect your garden for inevitable, winter inflicted wear and tear. And then, in a manner very much Mary Poppins-esque, go about tidying up the debris, pulling out stubborn weeds, raking those sludgy leaves and adjusting your climbers and tree ties. Next, check for raised beds, bowing sides and broken or rotting fences in need of mending and get these fixed. Afterwards, simply check them off your list.

Say no to pests: Exterminate!

You didn’t just go through all that trouble to get your garden shipshape only for rogue slugs, snails and other pests to industriously snack on young spring leaves or their poor roots. Hotfoot it to your local home improvement depot and take your pick from the seemingly endless aisles of commercial pesticides. But if all things natural are more your thing, then there are plenty of natural remedies for the taking. You can use copper rings around plant stems, organic copper soap sprays, and compost tea made by steeping aged compost in water. All of these work just as well, and will keep your spring bulbs happy and safe.

Work that soil: Cultivate and Till!

Spring plants love well-aerated and nutrient-packed soil that allows them to grow and thrive. The elements dry soil and turn it crusty, so cultivating helps break it up and aids penetration of air, nutrients and water where plant roots can gain access to them. Moreover, cultivating the soil will also facilitate the sprouting of your newly germinated seeds through the soil surface. When you cultivate, do take care to leave plant roots undisturbed, and ensure the soil is only loosened a couple of inches deep so that the surface does not dry out sooner.
Tilling on the other hand is a form of deep cultivation. It comes in especially handy when you find your soil is desperately depleted of its nutrient content, or even if you want to create a new garden bed which requires a different soil quality. Quite simply, tilling merely involves giving your plot some love, by adding materials in order to augment or modify its physical characteristics.

Make a Plan: Design!

And now we come to the best bit. Planning your dream spring garden. You can begin by consulting your zone to learn which flowers and vegetables are best suited for your location. Another smart way to a gorgeous garden is to get useful advice and recommendations from experts at your local nursery. These green thumbed angels are always happy to help, and would love to give you their two cents, which in hindsight, you’ll find is worth a lot more than that.  
Another useful tip is to mix perennial flowers with some annuals, so that you can enjoy beautiful spring colors, and scents, throughout the season. Afterwards, simply maintain your garden by regularly pruning it to separate dead flowers and appendages from the healthy stem. Late spring is also a good time to put down a useful layer of mulch on the garden, to restrain weeds, while conserving water for those long hot summer days ahead.

And now there is nothing more for you to do other than put the kettle on or pop some prosecco (depending on your poison of choice). You garden is beautiful. And it’s all down to you! 

At Discount Insurance, our Home Insurance policies also provide cover for contents in your garden, including plants in pots or containers.  Give us a call on 0800 294 4522 for a quick quote today! 

Wednesday, March 14, 2018


February may have been the month of love, but to put it bluntly, it has not been kind. Between the "Beast from the East" and Storm Emma, there is only so much one can take of icy winds, heavy snow, ugly snow boots, and virtually mummifying ourselves before stepping out of our homes. But now that spring is round the corner, it is safe to seriously consider kicking that cabin fever. And beat winter’s doom and gloom with the jewel-like brightness of Crocuses, Daffodils, Tulips and Bluebells poking their happy heads in your garden.  Rewards come to those who toil. So first, step outside and figure out just how you are going to give your garden that much needed TLC. So for your first weekend project, ensure your garden is ready to make the most of the warm weather ahead. We’ve put together a simple to-do list for you, so that you can get your garden looking beautiful, quickly and competently.

First things first: Clean up!

You spring clean your home, and your garden deserves the same respect. Inspect your garden for inevitable, winter inflicted wear and tear. And then, in a manner very much Mary Poppins-esque, go about tidying up the debris, pulling out stubborn weeds, raking those sludgy leaves and adjusting your climbers and tree ties. Next, check for raised beds, bowing sides and broken or rotting fences in need of mending and get these fixed. Afterwards, simply check them off your list.

Say no to pests: Exterminate!

You didn’t just go through all that trouble to get your garden shipshape only for rogue slugs, snails and other pests to industriously snack on young spring leaves or their poor roots. Hotfoot it to your local home improvement depot and take your pick from the seemingly endless aisles of commercial pesticides. But if all things natural are more your thing, then there are plenty of natural remedies for the taking. You can use copper rings around plant stems, organic copper soap sprays, and compost tea made by steeping aged compost in water. All of these work just as well, and will keep your spring bulbs happy and safe.

Work that soil: Cultivate and Till!

Spring plants love well-aerated and nutrient-packed soil that allows them to grow and thrive. The elements dry soil and turn it crusty, so cultivating helps break it up and aids penetration of air, nutrients and water where plant roots can gain access to them. Moreover, cultivating the soil will also facilitate the sprouting of your newly germinated seeds through the soil surface. When you cultivate, do take care to leave plant roots undisturbed, and ensure the soil is only loosened a couple of inches deep so that the surface does not dry out sooner.
Tilling on the other hand is a form of deep cultivation. It comes in especially handy when you find your soil is desperately depleted of its nutrient content, or even if you want to create a new garden bed which requires a different soil quality. Quite simply, tilling merely involves giving your plot some love, by adding materials in order to augment or modify its physical characteristics.

Make a Plan: Design!

And now we come to the best bit. Planning your dream spring garden. You can begin by consulting your zone to learn which flowers and vegetables are best suited for your location. Another smart way to a gorgeous garden is to get useful advice and recommendations from experts at your local nursery. These green thumbed angels are always happy to help, and would love to give you their two cents, which in hindsight, you’ll find is worth a lot more than that.  
Another useful tip is to mix perennial flowers with some annuals, so that you can enjoy beautiful spring colors, and scents, throughout the season. Afterwards, simply maintain your garden by regularly pruning it to separate dead flowers and appendages from the healthy stem. Late spring is also a good time to put down a useful layer of mulch on the garden, to restrain weeds, while conserving water for those long hot summer days ahead.

And now there is nothing more for you to do other than put the kettle on or pop some prosecco (depending on your poison of choice). You garden is beautiful. And it’s all down to you! 

At Discount Insurance, our Home Insurance policies also provide cover for contents in your garden, including plants in pots or containers.  Give us a call on 0800 294 4522 for a quick quote today!