copy of buildings insurance schedule before proceed

donna1975

On a letter from our solicitor it says that we need a copy of our buildings insuance scehdule before he can proceed, but I have phoned numerous insurances companies incluidng my current one and asked for a copy and not one of them will send me a copy of this until i take the policy out which is fair enough, but i cant tell them what date we are moving because my solicitor doesnt know what date and says he cant proceed without this, so what am I suppsed to do, how am i going to get a insurance schedule without knowing when im moving in???

poppysarah

Why do they need it?

tinkerbell84

Standard practice. You should have buildings insurance in place on the day you exchange contracts. You don't usually wait till you've moved in.

Our mortgage company required a copy at exchange which was provided through our solicitor.

donna1975

but how do i get when they wont even give a date?

tinkerbell84

Have you exchanged contracts yet?

If so, that's the date the insurance should start (ie you have a live policy and paperwork).

poppysarah

Ring the insurance company and book the insurance to start from !!4 weeks} hence - get them to fax the solicitor with the agreement of insurance starting from that date.

I think this is what we had to do. The insurance companies didn't mind doing this and knew exactly what the solicitor wanted (Was more than)

donna1975

tinkerbell84 wrote: »

Have you exchanged contracts yet?

If so, that's the date the insurance should start (ie you have a live policy and paperwork).

No, the solicitor said he cant even exchange contracts until we have policy.

donna1975

poppysarah wrote: »

Ring the insurance company and book the insurance to start from !!4 weeks} hence - get them to fax the solicitor with the agreement of insurance starting from that date.

I think this is what we had to do. The insurance companies didn't mind doing this and knew exactly what the solicitor wanted (Was more than)

thanks, thats what I have just done, i went with swinton, cant believe its actually cheaper than what we pay for now too, by £10 a month!

tinkerbell84

Then you need to take out a policy with the expected exchange date as the start date and get the documents!

donna1975

Solicitor hasnt even given me an expected date just by the end of the month so i chose the date myself. its all sorted now.

pawpurrs

Make sure that you ring them as soon as you exchange and have the property insured from exchange.