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Standard House with Listed Outbuilding Insurance

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I'm looking for advice. I own a standard 1930s three bedroom end of terrace house. The property is quite unique in so much as the bottom part of the garden is on top of an old grade 2 listed lime kiln that is used for storage. Since we have lived here, we have used the same local insurance broker. I've tried working with the broker to get the premium lower but I haven't been successful. As it's all on the same title deed, it is insured as one (the house and lime kiln) and the premium this year is £564. The lime kiln is insured for £100k included in the building sums insured element, but doesn't include subsidence, heave, landslip or accidental damage. I'm having a problem finding somewhere to give me a comparative quote. Can anyone point me in the direct of some alternative insurance providers who might be able to help?    

Comments

  • Sandtree
    Sandtree Posts: 10,628 Forumite
    10,000 Posts Fourth Anniversary Name Dropper
    Simply try a different broker really, its a niche market and so not the level of competition to push prices down plus underwriting tends to be more manual so more costs (a lesser factor typically). Brokers don't typically have access to every insurer/MGA out there and plenty of the bigger ones have bespoke terms/pricing so no need to be loyal to your broker any more than the loyalty to your insurers.
  • sbartle
    sbartle Posts: 2 Newbie
    First Post
    Sandtree said:
    Simply try a different broker really, its a niche market and so not the level of competition to push prices down plus underwriting tends to be more manual so more costs (a lesser factor typically). Brokers don't typically have access to every insurer/MGA out there and plenty of the bigger ones have bespoke terms/pricing so no need to be loyal to your broker any more than the loyalty to your insurers.
    Thanks for the advice. I will have a ring around. 
  • dunstonh
    dunstonh Posts: 119,641 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    How about NFU?   They cover all sorts of unusual buildings and outbuildings. 
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • coachman12
    coachman12 Posts: 1,069 Forumite
    1,000 Posts Name Dropper Photogenic
    I live in a listed building and have always used Aviva. Boring , and I don't even know whether it's the cheapest these days. But when I started the policy it certainly represented good value via an agent.
  • Nebulous2
    Nebulous2 Posts: 5,666 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Direct Line May be worth a try. They do listed buildings. NFU as above is also a good shout, but they wouldn’t do my listed house. 

    Avoid comparison engines. Some companies have a limit around 1750 ( they won’t insure older than that) so it might depend on the age of your kiln. 
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