EPC requirements for UK landlords in 2025 – and underinsurance risk
Part of the UK government’s plan to reduce the nation’s carbon footprint is to continue making rented homes more energy efficient by increasing minimum EPC (Energy Performance Certificate) [...]
Green Upgrades and Underinsurance: What UK Property Owners Need to Know
From government schemes and ambitious net-zero goals to reputational gains and cost savings on heating and electricity, there’s plenty of incentive to go green with energy efficient property [...]
Labour Shortage in UK Construction Could Mean You’re Underinsured
Like materials pricing, labour shortages can significantly impact the cost of construction projects. This puts countless UK properties at risk of underinsurance, often without the knowledge of [...]
What is the purpose of an Insurance Risk Survey?
There’s no getting away from the fact that the insurance industry is built on a gamble, that policyholder assets will not be compromised during the period of coverage. As with […]
Don’t be caught out by the “average clause” in insurance
Sometimes, it’s generally seen as okay not to read the fine print – who has the time to trawl through every word of a streaming service update or the terms […]
How often should you have a Reinstatement Cost Assessment?
Building Reinstatement Cost Assessments (RCAs) are essential for mitigating underinsurance risk. However, like any other valuation process, the information they provide is static – a [...]
The real cost of rebuilding: Why your insurance cover might fall short
A common question we encounter at Cardinus is, “If I base my insurance cover on the original development cost of constructing my property, isn’t that enough?” Unfortunately, the answer is [...]
Is your property underinsured?
Last year Cardinus identified a worrying trend in how people own and insure their properties. Our findings indicate the widespread issue of underinsurance among UK properties, putting property [...]
Maximising insurance placement success through pre-inception risk surveys
As a prominent provider of risk control surveys in the UK insurance market, Cardinus has observed the surprisingly low utilisation of pre-inception risk surveys within the industry. Despite [...]