Insurance for Listed Building

michaelmaher

Calling all bright sparks!!

Where can I find a web site that allows me to search for building and contents insurance for a Grade II listed building? All the websites on MSE's website assume that the building is not a listed building

Many thanks

Ian_W

GOOGLE is your friend.

michaelmaher

Dear Ian W

The title of my humble request was "Dear Bright Sparks" not "Dear Sarcastic Sparks" - I guess you dont subscribe to the ethos of the Forum Etiquette - there is no such thing as a stupid question. I have tried Google and several other search engines but it provides nothing but age long form filling with the promise of nothing more than a phone call from an insurance stock broker at some unspecified point in time

Any Moneysavers with a constructive suggestion....please?

FlameCloud

For something more specific and specialist insurance then internet quote engines wont really work as the underwriting criteria is different and highly individual.

Its know as FIFO (fit in or f**k off) underwriting, but mattymoo should be able to provide clearer directions. Alot of high street companies dont touch listed buildings or thatched properties with a barge pole, so finding one that does can be a pain.

You could try and ask your financial advisor (if you have one) or try ringing one of the main underwriters directly (i.e. Halifax or RSA) as they are often the only ones that would quote you. Either way it probably wont be cheap

mattymoo

michaelmaher wrote: »

Dear Ian W

The title of my humble request was "Dear Bright Sparks" not "Dear Sarcastic Sparks" - I guess you dont subscribe to the ethos of the Forum Etiquette - there is no such thing as a stupid question. I have tried Google and several other search engines but it provides nothing but age long form filling with the promise of nothing more than a phone call from an insurance stock broker at some unspecified point in time

Any Moneysavers with a constructive suggestion....please?

The search results provided by Ian W where spot on though. Form filling and phone calls will be the norm though as this is a non-standard risk. Most online insurance sales are for standard BSST construction (brick / stone / slate / tile) properties.

Listed building status requires you to rebuild in reclaimed or sympathetic materials and with the involvement of planning / conservation officers. This delays the rebuild and increases costs.

Might be worth giving Towergate a call. National chain of brokers (as a result of many acquisitions) who seem to have an insurance scheme for everything. See http://www.towergatehousehold.co.uk/


PS: The phrase "Google is your friend" is common on many discussion forums and is not viewed as sarcastic.

PPS: Flamecloud - yes, FIFO underwriting is spot on. You either fit the narrow criteria, e.g. brick built, standard construction, low risk job, low risk postcode etc or you will not be quoted via the internet systems. An insurance broker is almost a must for listed properties.

PPPS: OP - many insurers will insist on a recent ERBC (est. rebuilding cost) from a chartered surveyor as their standard guides simply do not cover buildings of unusual construction.

Ian_W

michaelmaher wrote: »

Dear Ian W
The title of my humble request was "Dear Bright Sparks" not "Dear Sarcastic Sparks" - I guess you dont subscribe to the ethos of the Forum Etiquette - there is no such thing as a stupid question. I have tried Google and several other search engines but it provides nothing but age long form filling with the promise of nothing more than a phone call from an insurance stock broker at some unspecified point in time
Any Moneysavers with a constructive suggestion....please?

What's sarcastic or not constructive about answering the question you asked and providing you with a link showing over a dozen websites? Viz:

Where can I find a web site that allows me to search for building and contents insurance for a Grade II listed building? All the websites on MSE's website assume that the building is not a listed building

Before lecturing others on forum etiquette perhaps you ought to read the heading of what you quoted. There may not be such a thing as a stupid question but there are stupid questioners, if you'd mentioned you'd tried Google I wouldn't have wasted my time trying to assist.
But no need to apologise for wasting my time, it won't happen again I assure you!

love_more_live_more

hi,
i live in a grade II listed building too!
my dad used to buy insurance but didnt tell them of this fact.
i bought it this year (moneysupermarket or confused), it gave me options of listed or not. (i doubled the rebuild cost)
for me the insurance was about the same as a normal house.
lots of love (dont hate me

FlameCloud

If you didnt tell them of the fact then I really hope you dont have to claim!

michaelmaher

Flame Cloud, Matty Moo and Love_more_live_more
Thanks a million

stooby

Hi there, you mght be better off speaking to a local insurance broker who have access to more specialist policies which can cover "non standard" properties: thatched roof, listed, etc.
I know NU will cover them on some of their contracts but i'm not sue you can do it on their Direct website. As a broker for a NU Home Plus quote and you might get some joy.