Timber Frame Construction House Insurance

BOBBIs_MUMMY

Help please!!

We purchased a timber framed house last year and insured it with Tesco for around the £200 mark the quote has come through this year for £435!!!! because the house is of non standard construction!!

The house looks like a typical "brookside" house, brick on the outside, timber framed with plasterboard internally, the double garage being traditional construction of brick and blocks.

I am somewhat confused on the online quote forms when it asks if the house is made of standard construction do I say yes or no??

Maybe I am making too much of a meal of the whole thing

DCFC79

BOBBIs_MUMMY wrote: »

Help please!!

We purchased a timber framed house last year and insured it with Tesco for around the £200 mark the quote has come through this year for £435!!!! because the house is of non standard construction!!

The house looks like a typical "brookside" house, brick on the outside, timber framed with plasterboard internally, the double garage being traditional construction of brick and blocks.

I am somewhat confused on the online quote forms when it asks if the house is made of standard construction do I say yes or no??

Maybe I am making too much of a meal of the whole thing

Im not an expert but if tesco say the house is of non standard construction then would you not put on the quotes

BOBBIs_MUMMY

DCFC79 wrote: »

Im not an expert but if tesco say the house is of non standard construction then would you not put on the quotes

Trouble is different firms seems to have different ideas about standard construction ie Direct Line ask what the external wall is made of whereas others ask about the build as a whole. I think I will need to go back to the old fashioned way of buying insurance and ring round just to make sure I get the right cover:(

VictorM_2

If in doubt, tell them.

kingstreet

By coincidence, I used to live on the Croxteth Park estate, just across from the Brookside set and I owned a timber-framed property built in the early 1980s.

It was considered standard construction, as it has a brick skin under a tiled roof. Most new properties are constructed of brick over timber or brick over breezeblock and insurance companies don't have a problem with this.

Modern "timber-frame construction" is totally different to that insurers would consider non-standard.

devidjones2012

Hi,
Thanks for sharing this article with us. Now a days insurance companies is a very big issue for every health, houses, offices and for our personal household and also for any debt matter.
Insurance and loans are very essential for quick coverage the damages and its really helpful for people who have nothing reserve to expend for the current disaster.

[Deleted User]

we have a timber framed non-standard house and quickly arranged insurance for when we moved in. 20 months later I saw an article somewhere re non insurance, so dh and I set to and have arranged a very specific insurance for our eco house. It took quite a while to find a specialist insurance co but we did find one recommended by several other non-standard home owners.
http://www.naturesave.co.uk/

It is very important to be absolutely honest with the companies and to be realistic about contents too. We actually went through one room at a time and have doubled our contents insurance

Our total insurance has gone up from £350 to £450 but it is well worth it.
Contents covered items like the solar panels and the specialist stove. The package covers the pv system and loss of income. Questions were asked re tree distances etc

ps dh was a consulting structural engineer and timber framed is non standard. It took him quite a while to get the package of information together for the insurance company. The insurance co was very helpful on ringing them

Ch1ckenlady

Hi,

Like anotherperson has stated, the definition of 'non standard' varies, dependent on theinsurer providers own underwriting criteria. It's best to check the small print!

The following is aloose guide:

• Timber framed properties
• Steel framed properties
• Eco homes
• Essex, cob, wattle and daub (made from a combination of wet soil, clay, sand, animal dung and straw)
• Non combustible pre fabricated
• Properties in conservation areas
• Stramit (a type of partitioning)
• Flat roofs - various types of construction (many ‘standard’ property insurers will still cover flat roofs but it may depend on the percentage of roof. Again, just check the small print)
• Properties with shingle roofs

There are insurers who specialise in non standard propertyinsurance, which you should be able to find through the internet, or just lookfor a local broker.