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For several decades, business and economic pundits have exoticized Japan’s economy. The supposed lost decades since 1990 have only heightened perceptions of a country whose economic system operates in unique ways, not subject to standard economic analysis.

As I have argued tonight, this view of Japan as atypical and mysterious is, however, unfounded for macroeconomic policy purposes. W

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Legal & General has launched new household insurance cover, Landlords’ Insurance, to cater to the specific needs of landlords.

Landlords with one or more properties can choose from a range of cover options for a single premium.

Simplicity is a key part of the new policy, which has a single policy summary and renewal date, as well as offering multi-property landlords an automatic discount.

Those with two properties will gain a 5% discount, and those with 20 will see 10% discounted.

The new policy has been given a 4 star rating from independent financial research firm Defaqto, and building insurance cover of up to £800,000 is available as standard.

Contents coverage of up to £2 million is available, with optional extras including accidental damage and malicious damage, as well as legal expenses and rent guarantee cover.

Malcolm Cooper, Product, Pricing and Underwriting Director at Legal & General’s general insurance business, described the new product as flexible but comprehensive and forecast a continual increase in the landlords’ insurance market in the coming years.

Earlier this month Towergate Insurance advised home owners, landlords and commercial property owners to ensure that they protected the 738,000 vacant buildings in the UK.

Car insurance premiums have risen by more than 40 per cent over the past year, taking the average cost of a policy to £892, according to a closely watched index.

This is the biggest annual increase ever recorded by the AA Insurance Index, which has been tracking the quarterly movement of car and home insurance premiums since 1994.

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Ageas has joined forces with the Neighbourhood Watch Trust to persuade Britons not to make their homes a “shop window” of opportunity for thieves.

New research carried out on behalf of the insurer indicates that homes across the UK have an average £1,223 in valuables (such as TVs, other electronic goods, antiques and works of art) clearly displayed for would-be burglars to see through windows.

The findings also suggest that nearly one in five people have £2,000 or more worth of valuables on display to passers-by.

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Gadget-loving commuters are carrying over £3,800 worth of technology to and from work, according to new research from esure.

The typical commuter bag or briefcase is likely to contain electronic kit worth £593 more than two years ago, including costly smartphones, laptops, e-readers and MP3 players.

With over 35% of Britons considering buying an iPad 2 this year, the cost of the commuter bag looks set to rise even further.

The research also indicates that 46% of commuters lug a company or personal laptop around with them, with the proportion rising to 56% in London.

However, more than half of all respondents were not sure whether their personal belongings insurance covered the cost of the gadgets they regularly carry to and from the workplace.

Commenting on the findings, esure’s head of home underwriting, Nikki Sellers, says: “Brits are now inadvertently carrying around a treasure trove of digital devices for both work and pleasure.”