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Parent/Child Home Insurance Advice – Northern Ireland

Parent/Child Home Insurance Advice – Northern Ireland

At McCarroll McConnell, we believe that we can meet your insurance needs at a competitive rate. Based in Ballymena and Ballymoney, we have been helping our customers across Northern Ireland for many years.
It is always essential to get the proper insurance cover in place. Sometimes it is helpful to explain why things need done a certain way. After all, knowledge is power.

Parent/Child Home Insurance Advice – Northern Ireland

Are you a parent signing your home over to your children? If you are then make sure that your child is then the one who insures the property.
This is part of the conditions of insurable interest – it means that the person who insures the item must have a financial stake in the item being insured. They would stand to lose out should something happen to the property.
For example, if parent A signs their property over to Child B then they no longer own the home. That means they cannot insure it because it is actually Child B who now stands to lose out should something happen to the buildings.

Parent/Child Home Insurance Advice - Northern Ireland

What about contents?

If Parent A is still living in the home and keeps their own contents they can insure these themselves. We will gladly look at a range of insurers to get you our best deal here.
This does mean that you may have to take out two different policies.
It would be unfair and wrong of us to try and tell you otherwise. After all, in the event of a claim we want to make sure you are fully covered with the right product in place rather than not making these things clear to you and leave you open to having a claim rejected.

Getting your Home Insurance covered correctly is one of the most important things you can do. Cheap is not always cheerful.

Any questions? We are here to talk these things over with you.
Did you know that you can request a call back through our website? Just click here.
McCarroll McConnell will be happy to put your mind at ease. McCarroll McConnell on 028 2565 3053 or call into our Ballymena or Ballymoney office for a chat about your insurance.

Insurance – Ballymoney

Insurance – Ballymoney

Your local Ballymoney Insurance Broker, McCarroll McConnell, is located proudly in the local government district of the Causeway Coast and Glens, in Northern Ireland. Fancy something to do this summer?

If you have booked a holiday then remember to call in and chat to us about your travel insurance. We are always on the lookout for your best deal for your travel insurance, car insurance, home insurance, commercial and van insurance. At McCarroll McConnell we have over 45 years of experience dealing with all different kinds of insurance. To speak to us about competitive insurance rate feel free to give us a call on 028 2565 3053 or send an email to info@mccmcc.co.uk. We would be happy to help you to find a the insurance which best suits for you and your circumstances.

While we focus on getting you the best insurance rate for your situation here are a few local landmarks near our Ballymoney insurance office that we think you shouldn’t miss, whatever the weather may bring.

Insurance - Ballymoney
Here are a few places you can explore.

Of course on wet days there are plenty of coffee and ice cream shops in Portstewart and Portrush.
Who knows, we may even see you there.
Are there any others you would recommend? Stop in with us in our Ballymoney office and let us know the locations that you think we shouldn’t miss this summer.

At McCarroll McConnell we are always happy to give a helping hand.
At McCarroll McConnell Insurance, it’s who we are.

Provincewide Ltd – Big enough to matter, local enough to care

Provincewide Ltd – Big enough to matter, local enough to care

Did you know that McCarroll McConnell & Co Ltd is a member of Provincewide Ltd? As our title says Provincewide Ltd are big enough to matter while being local enough to care.

Provincewide Ltd - Big enough to matter, local enough to care

Provincewide Ltd – Big enough to matter, local enough to care

Provincewide has been in existence for over 20 years and has grown to become the largest independent brokers association in Northern Ireland, having 11 members and 28 offices throughout the Province.
Over the years Provincewide Ltd have built strong working partnerships with leading insurers which enables McCarroll McConnell & Co to guarantee competitive rates and enjoy exclusive insurance schemes, whilst delivering the highest levels of local service. 

In addition to insurance cover Provincewide Ltd also offer, through Provincewide Claims Ltd, an excellent claims assistance service to our policyholders. Read more about Provincewide Ltd here.

Provincewide Ltd - Big enough to matter, local enough to careWhy not give McCarroll McConnell & Co a call for a quote? We can provide quotes for car, household, motorcycle, van, property and a wide range of business needs.

At McCarroll McConnell we have over 45 years of dealing with all different kinds of insurance. To speak to us about competitive insurance rated or if you have any questions about Provincewide Ltd please give us a call on 028 2565 3053 or send an email to info@mccmcc.co.uk. We can help you to find a the insurance which best suits for you and your circumstances.

McCarroll McConnell & Co are based in Ballymena and Ballymoney but offer competitive insurance rates throughout Northern Ireland.

McCarroll McConnell Insurance Brokers – Landlord Insurance

McCarroll McConnell Insurance Brokers – Landlord Insurance

Earlier this month we at McCarroll McConnell Insurance Brokers offered advice for Landlords and property owners in Northern Ireland. Here is the second part of that blog post which we hope will help you to keep your properties safe, secure and in good condition over the winter period.

McCarroll McConnell Insurance Brokers - Landlord Insurance

McCarroll McConnell Insurance Brokers – Landlord Insurance

6. Bleed your radiators
A great way to warm up your property is to bleed the radiators. This releases any trapped air, allowing hot water to fill every part of your radiator and warm the property more efficiently.

7. Get a boiler service
Arrange for your boiler to be serviced every year. As everyone starts to switch on their central heating, the surge in oil consumption can lead to a big increase in boiler breakdowns.

8. Clear out your gutters
In autumn, leaves can collect in gutters and drains, leading to blocks and overflows – so it’s best to clean them regularly.

9. Be wary of theft
If your property is likely to be unoccupied over the Christmas period while students are either returning home or your tenants are taking a long holiday, ensure that you take the following precautions as expensive items on display are an easy target for thieves.
Invest in theft deterrents such as alarms (visible from the exterior of the property). Ensure that the locking mechanisms meet the policy requirements (5 lever mortice locks).

And finally we want to remind you again of our last tip from our earlier blog post entitled “McCarroll McConnell advice for Northern Ireland Landlords this winter” which is – Check your insurance policy.
Make sure that you understand the terms of your landlord insurance policy. Remember that maintenance-related issues tend not to be covered by landlord policies. This means that you need to make sure that your property is fighting fit for winter – both for your own peace of mind, and for that of your tenants.

If you would like advice or a new new house insurance quote for your properties then please give us a call. We are happy to help you find the best insurance which best suits your need and with our expertise and experience we are sure that we can meet your needs. Please give us a call on 028 2565 3053 to discuss your insurance needs. McCarroll McConnell are based in Ballymena but we offer house insurance throughout Northern Ireland.

McCarroll McConnell advice for Northern Ireland Landlords this winter

McCarroll McConnell advice for Northern Ireland Landlords this winter

McCarroll McConnell are Insurance Brokers in Northern Ireland who can help Landlords who own properties. Here are some of our tips for anyone who owns houses or buildings and how to keep your let property safe over the winter period.

McCarroll McConnell advice for Northern Ireland Landlords this winter

Advice for Northern Ireland Landlords this winter

Winter can be a tough time for landlords.
The colder months present a series of significant risks to rental properties, all of which could lead to costly problems. But by taking some time to check over your property now, you can help to ensure a disaster-free winter. Here are the first 5 of our tips which you might find useful.

1. Check the pipes
It is important that you check all external pipes for breaks, leaks, and blockages. Blocked or leaking pipes can freeze during the cold months, then expand and burst – causing potentially expensive water damage.

2. Think about insulation
A properly insulated property is an absolute must. Make sure that you check the basics, starting with obvious draft points. Check the cladding around your boiler and pipes, and make sure that taps don’t leak.

3. Make sure your tenants are informed
Well-informed tenants are the best protection against winter property damage. Don’t assume that your tenants know how to deal with the cold weather; many won’t. Similarly, you should remember that it is your responsibility as a landlord to make sure they have the information they need.
Consider putting together an information pack, including things like the location of stopcocks, basic boiler operation, and so on. Remind tenants to periodically turn the heating on (using the timer system if one is available) if they go away over Christmas, in order to ensure that pipes don’t freeze.

4. Periods of Unoccupancy
Unoccupied periods are a major threat during the cold months. If you know that your property is likely to be empty over the winter, you need to make extra plans to ensure its upkeep. Make sure that you visit regularly to open windows and check on the heating. If you can’t do this yourself, make sure that you arrange for someone else to visit.

5. Check your insurance policy
Make sure that you understand the terms of your landlord insurance policy. Remember that maintenance-related issues tend not to be covered by landlord policies. This means that you need to make sure that your property is fighting fit for winter – both for your own peace of mind, and for that of your tenants.

If you would like advice or a new new house insurance quote for your properties then please give us a call. We are happy to help you find the best insurance which best suits your need and with our expertise and experience we are sure that we can meet your needs. Please give us a call on 028 2565 3053 to discuss your insurance needs. McCarroll McConnell are based in Ballymena but we offer house insurance throughout Northern Ireland.

 

Is Student Insurance necessary? – McCarroll McConnell Insurance

Is Student Insurance necessary? – McCarroll McConnell Insurance

McCarroll McConnell Insurance Brokers understand that many parents aren’t sure if Student contents insurance is necessary or not. Now is the time when many students are moving away to university or college. Often that can include them taking laptops, televisions, sound systems and printers which are valuable possessions. Of course these items need to be covered by an insurance policy.

Is Student Insurance necessary? – McCarroll McConnell Insurance

Many Insurance brokers offer something called Student Contents Insurance. However at McCarroll & McConnell most of our Household Insurance policies will automatically include cover for students belongings whilst at university, including computers and electronics. That means that a separate policy to cover students contents could be an unnecessary cost at this already expensive time.

McCarroll McConnell insurance brokers in Northern Ireland offer competitive home insurance which also covers student possessions. We offer excellent competitive rates which can be tailored to your needs.

At McCarroll McConnell we have over 45 years of dealing with home insurance. To speak to us about competitive home insurance or if you have any questions about Student Insurance please give us a call on 028 2565 3053 or send an email to info@mccmcc.co.uk. We can help you to find a home insurance which covers your student and their belongings meaning that other policies, such as Student Contents Insurance aren’t necessary.