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Sorry about the long post, this issue has caught my imagination. Here are my findings after going through the Residential Tenancies Act 2010 No 42. I am not a lawyer so I might have missed something. Summary: if a tenant damaged the premises they must pay to fix it, the Landlord has no...

That's exactly it. We (landlords) have insurance to cover OURSELVES for loss and risk. Not to cover the tenant.

So you're happy for the tenants to "accidentally" damage a property and you make a claim on your insurance? What happens if, due to bad luck or whatever (ie not being personal on you) you cannot get accidental cover. Say the insurers no longer offer it, or too many claims have been made and...

I have typed then deleted and not submitted SO MANY of my own posts in this thread it's unbelievable. Using the "friend's car" example, what if the friend didn't have insurance -- instead of paying the excess should the driver pay nothing or the whole lot? Back to the landlord -- what if their...

Note to self: only allow electric oil heaters in the house, not radiators.