Short Term Let Flat in Clapham

This atttractive Short term Flat to let in Clapham is just one of a few available in the area to let for just six months.  Its an ideal opportunity  for a professional couple or two friends to live in the trendy, bustling Clapham Old Town area.

The flat would appeal if you needed temporary accommodation whilst in the middle of a house move, or perhaps you would just like to spend six months enjoying the summer months in vibrant and bustling London.

As a tenant, you enjoy the convenience of calling your landlord whenever the boiler breaks down, or the drains get blocked. However, in return, your landlord will expect you to keep the property in good condition. You will need to get tenants contents insurance as your landlord will only have building's insurance for any properties which they lease to tenants.

Your Contents Insurance will cover your Household goods, personal items and money. It will also cover you for damage to your home that you are legally liable under the terms of your tenancy agreement. 

To get a tenants insurance quote call Cheers Insurance on 020 8943 5333

Two Hands are Better than One

If you become peckish whilst behind the wheel driving, you could see your reaction times almost double, according to a University of Leeds study.

The study revealed that participant’s reaction times increased by 44% when snacking, meaning that a five-second gap in response time with two hands on the wheel stretches out to just over seven seconds, when one hand is grappling with food.

The report, entitled “Two Hands Better Than One”, also reveals that even sipping a drink increases reaction times by over a fifth, most likely due to additional visual demand involved in handling liquids.

Furthermore drivers with only one hand on the wheel are 18% more likely to struggle to maintain a steady central lane position, although participants made the most corrections to steering when talking on a mobile device, with adjustments rising 25% just to keep in line with the road markings ahead.

However, 17% of motorists tested think it is acceptable to drive with one hand on the wheel and a half of all participants admitted to doing so regularly!

To avoid potential accidents it is advised that you take the time to properly plan your car journey … eat before you step into the car and plan regular breaks at service stations to help fuel any cravings whilst behind the wheel.

Mortgage Advice from your Local Insurance Broker



Mortgage advice from your local insurance broker

For most people, your home will be the largest single investment you will ever make, so making the wrong decision can become a very expensive mistake.

Taking the wrong mortgage can end up costing thousands extra over the lifetime of the loan, and what appears to be the cheapest on day one will not always prove to be so over an extended period of time.

Furthermore, to add to the confusion, there are now a bewildering number of mortgage types available to select from. We can advise on your options, so to make a truly informed decision pick up the phone and talk to us.

For mortgage advice  call Tim Cheers on 020 8943 5333.

Don’t take a chance – Chat to Cheers’

Using a local insurance broker will save you time and money. You’ll have the added protection of professional advice and no worries about having the incorrect insurance.

Cheers Insurance Brokers provide cover for all your insurances and are locally based in Hampton Hill High Street.

Chat to Cheers’ about insurance for:

• Home and Contents
• Car and Van
• Let Property
• Holiday Homes
• Business

Did you know?

With the unseasonable warm weather and the early Easter break, many people are starting work on their gardens once again.

However unless your expensive tools and equipment are kept safely locked up when not being used, they may not be covered by your home insurance policy if stolen. This may include barbecues, lawn mowers and patio heaters to name but a few.

So don’t take a chance - Chat to Cheers’ and get a competitive insurance quote with trustworthy advice.

Landlords Insurance for London Olympic 2012

Anyone who is planning on becoming an Olympic Landlord needs to think carefully before going ahead.

If you are thinking of letting out your property for the London 2012 Olympics then you should initially check your buildings insurance policy to see whether temporary lettings are covered as this is a legal liability. For a standard policy this is probably unlikely.

Those who fail to do this could face large fines, some as much as £20,000, and risk being liable for damages claims from tenants.

The next step would be to cancel your existing policy and take out a specialist landlord’s policy that will allow adequate cover for the letting purpose.

It’s realistic that there would be damage caused during the letting of the property and it’s essential to ensure this would be covered on your policy.

Most policies are for a minimum period of 6 months and you should make sure that the cover should always include malicious damage by guests and accidental damage while the property is let.  Without this cover you could seriously find yourself out of pocket after the Olympics is over and your tenants have moved on.

To get an insurance quote with appropriate insurance cover call Ian Pilgrim on 020 8943 5333

How to Get the Correct Van Insurance Cover at the Best Price

There are a wide variety of commercial vehicles on the road, commercial van insurance calculations and insurance premiums can be significantly different from private car insurance.

Most vans and commercial vehicles have an increased capacity and due to this may cause increased damage or injury because of their size and weight. This represents a higher risk for the insurance underwriters as they are likely to be required to make a bigger payout in the event of a claim.

Further factors to consider include:

·         The total weight of the loaded vehicle.

·         The type of the contents carried i.e. hazardous goods

·         Modifications such as lifting ramps.

·         Who is the owner of the van contents?

Despite these factors, there are still things you can do to get cheaper van insurance.

·         Keep your can in a garage or other secure location overnight

·         Increase the voluntary excess  

·         Fit a Thatcham approved immobiliser

·         Add other drivers as named drivers rather than having an "any driver" policy

·         Have the van sign written to minimize the theft risk

Ask our insurance specialists on 020 8943 5333 for our best van insurance quote and find out how we can help you.

Van Insurance from your Local Insurance Broker

Cheers Insurance Brokers are happy to provide Van Insurance cover for almost any occupation from, Builders, Plumbers, Joiners, and Carpenters to Couriers and Distributors.

We can offer quite substantial discounts for customers who use their van for commercial gain. We can offer discounts for those customers with, Public liability Insurance, Sign writing on their vehicle and length of time in the trade.

Talk to us if you have previous convictions or van insurance claims. We also cater for Tools cover and Goods in Transit cover at exceptionally competitive rates.  

Commercial van insurance can provide cover for transporting goods or passengers and includes liability for your commercial activity whilst driving.

 The transporting of goods can include delivery items such as food  or flowers or moving stock from a supplier to your shop. 

Not sure of your cover? Ask Cheers Insurance Brokers to review your insurance policy and see how we can help.

Call Ian Pilgrim on 020 8943 5333