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    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
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      I was in Sainsbury’s today and did scan and shop.
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I'm thinking of sharing a buy-to-let mortgage with a friend. The plan is to let the property fully managed through an estate agent. However, we would still be responsible for sourcing tradesman, the gas safety cert, insurance etc.

 

I was thinking of getting an agreement drawn up by a solicitor to ensure that these tasks are carried out alternatively and not lumbered on one party. I know that friends can fall out and don't want to be in a position where say the gas safety isn't done one year or the insurance wasn't renewed and that I've unknowingly jeopardised the safety of the tenants.

 

I'd be interested in knowing whether anyone else has thought that a legally binding agreement necessary and what they included in it.

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Don't know much about this, but thinking logically, I would suggest the following:

 

It's probably a good idea to get an agreement drawn up. In that agreement, why not ask that each party transfers a certain amount of money every month to be placed in a separate interest-bearing account which cannot be drawn on unless both parties agree.

 

That way, the expenses are covered jointly and there's no arguements about who pays for what and when. If you're thinking of getting the property fully managed, I would imagine that sourcing the tradesmen would be the responsibility of the managing agent in any case.

 

Does anyone have any other thoughts on this?

 

Hope this helps!

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I think the money is not an issue as the rent will go into a separate account from which mortgage and other sundries (gas cert, insurance, repairs) will be paid. However, from speaking with other people who already have buy-to-lets, property management agents do not always use the best tradesmen (the cynical me would think there's some back-hand deals on the go) and are not obliged as part of the contract to check the work. They 'may' phone the tenant who doesn't quite have the same interest in making sure the job is well done and is value for money as would the property owner. The gas cert is also the Landlord's responsibility as he would be prosecuted for any failure.

 

To arrange workmen, to check on jobs - whether it's pruning the trees or exterior painting - takes quite a bit of time and effort. I think resentment would brew if one party felt they were taking all the responsibility and I don't want to be in that position. I thought a legal agreement would be my safeguard.

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Yes - I see what you're saying.

 

Do either of you know of any tradesmen you can rely on? I would get together all their numbers on a database, and arrange some sort of timetable as to when & how these people are contacted. Diary out the gas check, and any other scheduled maintenance and have this worked into any agreement.

 

Is there any chance you can get someone independent to project-manage this for you? It won't come cheap, but may save aggro!!

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Thanks for your response. Does anyone know tradesmen they can trust and rely on? I constantly use different tradesman on my own house because I have never found one person who I think is any good.

 

I think I will go the solicitor route and just tell him my outline idea. It'll cost in money, but hopefully save me in grief and stress.

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Phone the Council or a Home Improvement Agency if you have one in your city. They keep lists of reputable contractors who are reference, etc, etc

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Thanks Emma. I did exactly that just a few months ago for a shower installation. Wasn't impressed as I had to make him come back and seal the bath. His excuses were miserable. There must be one good tradesman out there somewhere!

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