If you are one of the two and a half million landlords in the UK, do you know everything you need to know about landlord insurance? Have you got the right coverage? And do you know how much landlord insurance is?

What type of insurance do I need as a landlord?

Landlord insurance is not a legal requirement, but it is definitely recommended. Mainly because conventional home insurance won’t cover you for rental activities.

By renting out your property, you increase your level of risk because you are not the one living at the property – your tenants are. So landlord insurance is more about covering the risk of things like non-payment of rent or damage by tenants, as well as what a ‘normal’ home insurance policy would cover.

What responsibilities do I have as a landlord?

There are certain things that you need to do as a landlord in … Read more

In 2014, a group of university students in Beijing founded Ofo, a bike-sharing startup that let customers scan QR codes to rent bikes for short rides around cities, picking up and dropping off the bikes wherever they wished.

The convenience and ease of dockless bike shares spawned competing startups like Mobike and Bluegogo, with each brand distinguished by the bright colors of its bicycles. The bikes became ubiquitous on the streets and sidewalks of China’s biggest cities, and the startups attracted billions in investments, turning founders like Dai Wei, the CEO of Ofo, into celebrity entrepreneurs.

But four years later, at least five Chinese bike-share startups had gone bankrupt, and a Chinese court revealed in June 2019 that Ofo, the sector’s pioneer that was once valued at more than $2 billion, had “basically no assets” and was unable to pay the significant debts it owed to suppliers and customers.

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The FTSE 250-listed insurance provider Just Group (LSE: JUST) saw its share price sky-rocket after releasing its business update today. With a 17% price increase as I write, the Just Group share price is finally back to the pre-crisis levels of around a year ago. 

This is encouraging for a share that saw quite the fall last year. It lost over half its value from the highs seen in February 2020. But I think the important question now is whether JUST can maintain these share price levels and rise from here on. 

I believe there are arguments both in its favour and against it. 

What favours Just Group

Just Group’s latest performance is clearly something that goes in its favour. Its sales are up 12% and it’s fortifying itself against risks by reducing its exposure to the UK’s property market, as well. 

JUST’s also optimistic about 2021. According to … Read more

Good afternoon, readers.

Say you walk into a hospital or other COVID vaccine distribution site. You qualify to get one because you’re a priority group under local regulations, and there are enough available doses around for you to get one. Which one would you actually receive?

The Food and Drug Administration (FDA) has already granted emergency authorization to two of them, one from Pfizer and its German partner BioNTech and the other from Moderna. But you’re unlikely to know which one of those you’ll be getting.

This pandemic has had a unifying theme: Triage. You get the resources to who needs them most. You allocate such resources accordingly. That was the case with coronavirus testing at the start of the outbreak. Now it’s the case for one of the most complex immunization campaigns in history.

While the Pfizer and Moderna vaccines share scientific roots, they’re still very different … Read more

Tougher lockdown rules are being introduced in Scotland to help stop the spread of coronavirus, First Minister Nicola Sturgeon has announced. Here’s the lowdown on the new rules and some tips on how to make the most of lockdown.

What’s the current situation in Scotland?

Most of Scotland (apart from a few islands) has been in full lockdown since 5 January, with a legal requirement for people to stay at home.

You cannot leave home except for essential reasons such as work, a medical appointment, to collect food and supplies and for exercise. Many non-essential shops and services are shut.

What are the new lockdown rules?

There are concerns that the current ‘stay at home’ message isn’t having the same impact as it did in previous lockdowns. So, the Scottish government is enforcing the following six changes to the current lockdown rules:

  • Click and collect services are limited to
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