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             Underwriter Update.

The Christchurch earthquakes have become the third largest insurance event in history. Already claims have reached $40billion. The subsequent upheaval and changes in the market have now seen all insurers dramatically increasing their premiums.

To reduce the impact of these changes for our clients, we are now close to finalising a new international insurance facility with competitive premiums that will provide the same superior Pro-Sure cover. So watch this space. In the interim we have alternative covers for all new business and insurance renewals. Whilst these alternative policies may not have all of the Pro-Sure benefits they are among the best policies available in New Zealand.

For more information please call us on 0800 699 800

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Rental Property Investing – Tax Traps to Avoid and what you can claimIf you believe the market gossip, the rental investment property sales are beyond belief with cash buyers, ex-pats and busloads of Ozzie buyers flocking to our shores to snap up bargains....
Renting out substandard accommodation is a bad idea.The case of Dempsey V. Barnett highlights a number of issues for both landlords and tenants. Mr Barnett rented a converted garage behind the landlord’s house. The garage had a power supply but no water supply...
The Residential Tenancy Act 1986 Review ongoing saga:The concerning part is that the National Government Building and Housing Minister Shane Jones still plans in the revision to restrict the liability of the tenant to four weeks accidental or non-malicious damage...
Renting out Car Parks.It has become common to rent out car parks in major cities and they raise some interesting issues not least of which is whether or not they attract GST.
Oral notice to vacate inadequateA rental property was put up for sale while the existing tenant stayed on. On the day the sale of the premises became unconditional, the landlord orally gave the tenant 42 days notice to vacate...
Law changes will impact landlord’s pockets: Non complying properties.Imminent changes to the Residential Tenancies Act may catch thousands of landlords flat footed, opening them to claims by tenants who stand to gain financially...
Please Subscribe To ReadThe Absurd Maryan Street Bill on Tenants InsuranceThe bill is misguided in the extreme and far from curing the problem will only exacerbate the problem. So what is the problem?...
Please Subscribe To ReadFixed Term Tenancies.Breach of fixed term tenancy agreements, is becoming more of an issue in this time of uncertainty and redundancies. Indications from the Tribunal are...
Please Subscribe To ReadResidential Tenancy Act 1986 Amendments Part 5This section which concerned a landlords right of access, prescribed who could enter the tenants property. As the section is currently drafted only and a landlord, agent or...
Please Subscribe To ReadAmendments to the Residential Tenancies Act 1986 will impact Landlords.Recently government introduced the long awaited Residential Tenancies Amendment Bill for its first reading. This article looks at just three matters among many, which will impact Landlords and property managers...
Please Subscribe To ReadIncrease in rent where substantial improvements have been made.The amendment makes provision for the landlord to increase the rent with the tenant’s consent, where the landlord has made substantial improvements which also constitute a material benefit to the tenant....
Please Subscribe To ReadAmendments to the Residential Tenancies Act 1986 will impact Landlords.Recently government introduced the long awaited Residential Tenancies Amendment Bill for its first reading. This article looks at just three matters among many, which will impact Landlords and property managers....
Please Subscribe To ReadResidential Tenancy Act 1989 review part twoSection 40 has been amended in a way which helps landlords considerably....
Please Subscribe To ReadResidential Tenancy Amendments will impact Landlords.The government announced on the 29th May that the amendments which have been languishing around for years have finally been introduced into the House for a first reading...
Please Subscribe To ReadProposed amendment to the Residential Tenancies Act could have far reaching consequences. Section 45The bill to amend the RTA which is still under consideration proposes a number of changes. One such change was to amend section 45 to make non-compliance an Unlawful act with financial consequences of exemplary damages....
Please Subscribe To ReadTenants can bargain their way out of a fixed term tenancy.Fixed term tenancies are when the landlord and tenant agree in writing to a tenancy that which will last a specific length of time. It will start on a day known and finish on a day known...
Please Subscribe To ReadFixed term tenancy/periodic tenancyWhat happens when a fixed term tenancy comes to an end and has the words “and continuing thereafter as a periodic tenancy” written into the tenancy agreement...
Please Subscribe To ReadLandlord Right of AccessThe Residential Tenancies Act 1986 provides for thirteen unlawful acts. These unlawful acts are obligations placed upon both landlords and tenants, with exemplary damages applicable if either party breach the obligation...
Please Subscribe To ReadOral notice to vacate inadequateA rental property was put up for sale while the existing tenant stayed on. On the day the sale of the premises became unconditional, the landlord orally gave the tenant 42 days notice to vacate...
Please Subscribe To ReadKeeping proper receipts and recordsThe Residential Tenancies Act states that a receipt must be issued by a landlord to a tenant for any rental payment made in cash. If a rental payment is made through a direct credit facility then no receipt needs to be issued...
Please Subscribe To ReadRent for Renovation.Can you claim rent against the tenant for the period while the property is undergoing repairs, the repairs being wholly exclusively and necessarily incurred because of the tenants conduct?...
Please Subscribe To ReadSome good news from Tenancy Services.On Thursday the 7th December 2006 I was invited by Tenancy Services to view the operation of the services centre at Porirua and to hear what steps were being taken to improve delays of which I have been very critical in recent times...
Please Subscribe To ReadTribunal can exercise discretion and grant reliefHSU holdings were a landlord that leased the first floor of premises in Cuba Mall to Mr Knowsley, the tenant. In turn, Mr Knowsley sub-let areas of the first floor for use as residential flats...
Please Subscribe To ReadAccess for Viewing the Rented PropertyWhat notice is applicable for showing prospective tenants and purchasers through the rented premises?...
Please Subscribe To ReadIncrease in rent where substantial improvements have been made.The amendment makes provision for the landlord to increase the rent with the tenant’s consent, where the landlord has made substantial improvements which also constitute a material benefit to the tenant....
Please Subscribe To ReadThe Impact of the Residential Tenancies Amendments 2008There are a considerable number of amendments to the Residential Tenancies Act 1986 and this article considers the impact of some of them on the parties....
Please Subscribe To ReadEphedrine and Pseudo-Ephedrine abuse is a scourge to society. That’s what we are told. But are P-labs a real or imagined risk?Unfortunately P-Labs is a real and an increasing risk to the society and landlords in particular....
Please Subscribe To ReadAre you claiming your Personal Life Insurances as an expense?Most people’s perception, including many Accountants, is that Life Insurance is a nondeductable expense. However what happens when this expense is related to your current liabilities...
Please Subscribe To ReadDelay costs in TT hearingsWhat is the real dollar cost of delays in Tenancy Tribunal hearings? Recently I identified in an article what most Landlords knew already, which was that Tribunal hearings have fallen behind significantly...
Please Subscribe To ReadEntire drug ring liable for damage to state homeHousing Minister Phil Heatley is delighted by news Housing New Zealand Corporation has won a test case seeking more than $180,000 in damages from a drug ring which manufactured methamphetamine in a Napier state house...
Please Subscribe To ReadCan Landlords exempt chattels from the Tenancy Agreement?Often landlords provide chattels for the tenants benefit and when they do, part of the rent goes towards that benefit. The list of chattels can be extensive and includes such items as...
Please Subscribe To ReadAmendments to the Residential Tenancies Act 1986 will impact Landlords.Recently government introduced the long awaited Residential Tenancies Amendment Bill for its first reading. This article looks at just three matters among many, which will impact Landlords and property managers....
Please Subscribe To ReadFire caused by infant not tenants responsibilityThe landlord brought proceedings against the tenant for damages as a result of a fire which was caused by the tenants 2 ½ year old child...
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