Insurance Companies Definition. Semi/Detached/Link Detached.

27pARB

hello.

can members who live in or have knowledge of this situation please comment.

we are hoping to move into a new home shortly and I understand insurance has to be arranged at EOC stage.

the home we would be moving to is a link detached....our house/garage/garage/house. the garages are flat roofed.

taking 'direct line' for example as rightly or wrongly its who we've been insured with for a number of years they don't have a definition/option of link detached in their quote process.

is it a matter of they will all be different and we will have to ask? in members experience are there any insurers who have link-detached as an option during the quote stage?

I was thinking house/garage/house/garage would be semi but not sure in our case.

I am talking insurers definition as I know joined in any way cant really be detached.

thank you.

dacouch

House garage House would normally be regarded as Link Detached

pfpf

yes, it is...

but as per OP, what are members experience of what the definition is from an insurers POV? is it a semi or a detached?

Rodders53

Only a call to the particular insurer concerned will give you certainty...


But, from your description, the one thing it is NOT is detached - as it is joined to the adjacent dwelling. I'd select semi from all the options offered by Direct Line... if you ever find 'link detached' offered in a quote process then that may more accurately reflect the situation for that particular insurer.

dtaylor84

I have seen link detached in some online quotes, although I can't recall which ones off hand.

dacouch

Rodders53 wrote: »

Only a call to the particular insurer concerned will give you certainty...


But, from your description, the one thing it is NOT is detached - as it is joined to the adjacent dwelling. I'd select semi from all the options offered by Direct Line... if you ever find 'link detached' offered in a quote process then that may more accurately reflect the situation for that particular insurer.

An Insurer could well regarded it as being detached, I know plenty who do not offer link detached as an option but would want this entered as a detached house.

The Insurers tend to ask this question to enable them to rate the property. For instance if an Insurer offers a bedroom rated policy eg they offer a blanket level of cover say £100k for contents. They tend to use the type of property eg Detached as a way of calculating the premium as typically a detached house would have more / higher value contents than a semi or terraced house.

The above is probably why the OP has asked this question as he's discovered it makes a difference to his premium of which I'm guessing detached being more than if he enters it as a semi.

It always amuses me when people debate about this as when they sell their house they would not dream of down grading it to a semi detached over a link detached

pfpf

dacouch wrote: »

It always amuses me when people debate about this as when they sell their house they would not dream of down grading it to a semi detached over a link detached

in this case we are buying it as a link-detached and in my eyes it will always be a link-detached....

but link-detached is not an option for "type of property" on insurance quotes I have tried.

there's a substantial price difference in the quote when flicking between semi and detached with all other factors the same. I have no issues paying the "detached" price but only if the insurer requires it to be stated as detached.

of course a call to the insurers will be the only way to be sure as they don't seem to reference link-detached in their T&C's either.

I had hoped members who owned a link-detached may post on here with their insurer and what they had been defined to be living in from their insurers POV.

thank you.

System

Link-attached would surely be a more accurate description?

Isn't link-detached just EA-speak for "it's really only a semi, but as it is only joined by the garage we like to pretend that it's as good as detached" ?

A proper definition of a detached house would be that none of the house or outbuildings touch the boundary, so it is possible to walk all round the buildings on your own property. Everything else is "attached" in some way.

dacouch

pfpf wrote: »

in this case we are buying it as a link-detached and in my eyes it will always be a link-detached....

but link-detached is not an option for "type of property" on insurance quotes I have tried.

there's a substantial price difference in the quote when flicking between semi and detached with all other factors the same. I have no issues paying the "detached" price but only if the insurer requires it to be stated as detached.

of course a call to the insurers will be the only way to be sure as they don't seem to reference link-detached in their T&C's either.

I had hoped members who owned a link-detached may post on here with their insurer and what they had been defined to be living in from their insurers POV.

thank you.

The problem being what someone else has agreed my not apply even with the same Insurer. If you accepted that another MSE member had agreed with their Insurer that it should be rated as a semi detached and took out cover on that basis. If you subsequently had a claim and told the Insurers someone on MSE said it was how you rate the property you may experience problems.

Your best bet is to obtain quotes and then ring the Insurers and ask, make sure you take a note of the name of the person along with the time / date of the call.

You will often find different answers from different call centre staff and Insurers changing their mind on how they rate them so you need to check and most importantly note the personis name / time / date