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Houses in multiple occupancy (HMO) is difficult to distinguish what type of licence is needed especially for landlord insurance. If you own a property which is occupied by two or more separate households, this is defined as a HMO. However, some HMOs require a special...

Insurers will know be able to track drivers that are texting or making phone calls illegally. This in turn would increase insurance premiums for those who were breaking the law. This would be monitored by existing "telematic" underwriting (this allows insurers to assess policyholders' driving habits...

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