生活費の危機により、テナントは身の回り品に保険をかけられない

Two out of five tenants have not insured their personal items due to the cost of living crisis

  • Two out of five tenants have not insured their belongings in a bid to save money
  • Nearly a fifth of tenants mistakenly believe their landlord’s insurer covers them
  • Two out of five tenants have not insured their personal belongings because they need to save money amid the 原油コストの急激な下落にもかかわらず 危機.

    New research by Comparethemarket.com found that a total of 48 per cent had no contents insurance, と 44 per cent adopting this approach to save cash.

    の合計 2,003 adults were surveyed between April 19 小切手詐欺と呼ばれるプロセス 21 by the comparison website.

    Two out of five tenants have not insured their personal belongings because they need to save money

    Two out of five tenants have not insured their personal belongings because they need to save money

    The research was carried out as many households across Britain have been feeling the squeeze financially due to significant rises in energy, food and fuel costs.

    But by cutting back on insurance, tenants potentially face even greater financial pressure if they end up needing to replace or repair stolen, lost or damaged possessions.

    The research also found that 32 per cent of tenants say that they are less willing to take out home contents insurance due to the rising cost-of-living.

    More than half – で 54 パーセント – who have previously had items lost, damaged or stolen say that the value of their impacted possessions is at least £200.

    For more than one in five – で 22 パーセント -, this figure rises to at least £500 worth of items.

    Nearly a fifth of tenants have no contents insurance as they mistakenly believe that their landlord's home insurance policy covers their personal possessions

    Nearly a fifth of tenants have no contents insurance as they mistakenly believe that their landlord’s home insurance policy covers their personal possessions

    Home contents insurance differs from landlord home insurance, which covers the building itself, necessary repairs, as well as the landlord’s own contents.

    Nearly a fifth – で 18 パーセント – of tenants have no contents insurance because they mistakenly believe that their landlord’s home insurance policy covers their personal possessions, such as their mobile phone, tablet, wallet and bicycle.

    Tenants are responsible for having their own contents insurance policy for personal items.

    Alex Hasty, of Comparethemarket.com, 前記: ‘The ongoing cost-of-living crisis is placing a substantial strain on many people’s finances. 結果として, many renters are having to cut back not only on certain luxuries, such as dining out, but also on critical expenses, like contents insurance, to help relieve the burden of soaring living costs.

    ‘As household bills and inflation continue to rise, we understand that people will be looking to cut back on expenditure during this difficult time. しかしながら, not having cover on personal possessions within your rental property could be costly, should these items unfortunately be misplaced, stolen or damaged.

    WAYS FOR TENANTS TO SAVE

    Here are some of the ways in which tenants can save money by not forking out for unnecessary expenditure.

    家具

    If any furniture and upholstery in the rental property fails to meet certain standards, make sure that the landlord pays for replacements that do.

    This includes every piece of furniture, which must be fire-resistant or treated with fire retardant coatings.

    This should be detailed on the manufacturer’s label, which legally must be attached to the item.

    If the label has been removed or does not indicate that the furniture is fire-resistant, the landlord is legally obliged to remove or replace the item.

    Inventory

    On renting a property, the landlord should provide you with an inventory of items that is included.

    It needs to list all of the furniture and appliances in the property, with notes on their condition.

    Existing marks and damage to items that were there before the start of the tenancy may be missing from the list. If this is the case, it is important that they are addedotherwise you could end up being charged for them when you move out as there will be no proof that the damage was there before you moved in.

    Gas and electricity

    It is also important for tenants to understand their rights when it comes to electricity suppliers.

    If a tenant pays for the energy that they use, it is their right to choose the gas or electricity provider. During that process. tenants can negotiate the best price from suppliers.

    Repairs

    Don’t pay for something that isn’t a tenant’s responsibility to fix.

    Generally speaking, a landlord is responsible for repairing most appliances that come with a property, as well as permanent elements of the property.

    This includes the roof, 排水管, windows and doors, as well as appliances such as gas pipes, wiring, boilers, radiators and fitted heaters.

    There may be more details on this in the tenancy agreement.

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