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Home Insurance During Building Work



  BMW M2 Competition
After a bit of Cliosport advice. (What can't Cliosport help with?)

We have builders booked in to replace our current conservatory with a single story extension. (No adjustments to existing house structure, we're using the existing opening etc)

I emailed our home insurers (Quote me happy) to make them aware and they said the home insurance does not cover me at all during renovations. Turns out a lot of the big insurers I've spoken to do not cover during renovations e.g. Hastings, Halifax etc.

Does anybody have experience of a company which did provide cover during renovations? Or did you take out a separate, specialist policy?
 

Alastair.

ClioSport Club Member
  986'S 172ph1+182FF
Didn’t even think of that tbh when we had a double storey extension to the rear of our house last year.
 
  BMW M2 Competition
Didn’t even think of that tbh when we had a double storey extension to the rear of our house last year.
The 2 people at work I asked who’d had building work done said exactly the same TBH. Now I know I’m uninsured, not sure I can sleep without doing something about it! Damn my brain!
 

Steve

ClioSport Club Member
  Megane RS280
Just chill, so long as you are paying %ages along the build why worry?
 

Chuckles

ClioSport Moderator
After a bit of Cliosport advice. (What can't Cliosport help with?)

We have builders booked in to replace our current conservatory with a single story extension. (No adjustments to existing house structure, we're using the existing opening etc)

I emailed our home insurers (Quote me happy) to make them aware and they said the home insurance does not cover me at all during renovations. Turns out a lot of the big insurers I've spoken to do not cover during renovations e.g. Hastings, Halifax etc.

Does anybody have experience of a company which did provide cover during renovations? Or did you take out a separate, specialist policy?
Are you worried about the contractors doing damage? The contractors insurance will cover this.

House insurance is optional anyway, I’d chill out and not worry
 
  BMW M2 Competition
Are you worried about the contractors doing damage? The contractors insurance will cover this.

House insurance is optional anyway, I’d chill out and not worry
It’s more the fact that if my house gets robbed during the build or the fridge sets the house on fire, I have zero cover even though it’s nothing to do with the building work.

As you say, their insurance should cover if they mess up!
 

Chuckles

ClioSport Moderator
It’s more the fact that if my house gets robbed during the build or the fridge sets the house on fire, I have zero cover even though it’s nothing to do with the building work.

As you say, their insurance should cover if they mess up!
Are you sure that’s true? If you get robbed via a wall being open then fine, but otherwise I can’t see how materially it’s any different.
 
  BMW M2 Competition
Are you sure that’s true? If you get robbed via a wall being open then fine, but otherwise I can’t see how materially it’s any different.
Yes, they and many others have said the insurance isn’t valid.
I guess like car insurance, if you tell them your mum is the main driver and really she never goes near your car and you crash, they still won’t pay out.

Main point is “renovations are more risky” and hence policy should be more expensive.
 

Archtronics

ClioSport Club Member
  Clio 182
Not sure if it counts but the NFU paid out no questions asked when we had a tumble drier fire whilst the roof was getting replaced.
 

SC03OTT

ClioSport Club Member
  Octavia vRS
Do they perhaps mean that the part of the house being worked on isn’t covered? So, your original structure is fine but the extension is not until complete?
 
  BMW M2 Competition
Do they perhaps mean that the part of the house being worked on isn’t covered? So, your original structure is fine but the extension is not until complete?
No as stated above, no cover. This is from quote me happy who are my current insurers.

Same from Halifax, Hastings, Policy expert when I called.

Just spoke to LV and said they do cover so will probably take a policy with them.

“If you are undertaking structural changes to your property such as a loft conversion or extension etc then we are unable to offer cover to your property whilst this is being carried out. Unfortunately, if you are having structural changes made to your property then you will need to cancel your policy and obtain alternative insurance.”
 
  172 Cup
We had a single storey extension 2 years ago and Direct Line covered us. Our flood/storm damage excess went up slightly and theft was covered if it was forced entry.
Once it was complete, our insurance went back to normal with them.
 
  BMW M2 Competition
For completeness, just took out a new policy with Axa who will cover this as it's classed as minor work. If it was a 2 story extension or basement etc they would not provide cover.

Shows from this thread and people I know that most people assume they're covered, but luckily they never needed to claim.
 
  MR2 Mk3 / Giulietta
We did an extension last year, including openings and structural work. Rang up insurers, answered some questions about the work and some dates, that was that.

No impact to the premium and as long as you make reasonable attempts to secure it you are still covered for contents (we had the whole back of the house covered with 18mm ply for about 3 months!). The only issue would be if, say, you were propping an opening insufficiently and this caused damage to the house, you wouldnt be covered, in the words of the guy on the phone.
 


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