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Building Works Home Insurance
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Rob364
Posts: 1 Newbie
Any advice appreciated...
We are planning major building works at our house and will be moving out of our property to allow them to take place as the house will become uninhabitable - every room in the house will be affected by building work. Our kitchen has also been ripped out and there are no appliances or contents left in the property.
When we asked our insurance, they said the work was too substantial and coupled with the fact we weren't living there, it meant that they couldn't cover us and gave us the details of an insurance broker instead.
I have spent hours speaking to them, and others in an attempt to find insurance that will cover us, including 'so called' specialist building works home insurers.
A few have quoted me vast sums of money (£500+ per year) but when I spoke to them, it turned out the insurance wouldn't cover any of the rooms in which building works were taking place (e.g. It wouldn't cover anything in our case).
As an example, if lightening struck my house and caused a fire in the living room, the fact that there was building work taking place here would mean the insurance wouldn't pay out (the same with flooding and other acts of nature).
It seems that in spite of quoting vast amounts of money, the insurance would not in fact pay out under any circumstances, so can anyone tell me what I actually need it for or whether I may as well not bother?
It seems tnobody would provide any cover anyway but I've been told it is really important.
If our builders, architect and structural engineer all have their own liability insurance anyway, and the works are taking place in every room then wouldn't their liability insurance cover the period of works instead?
Thoughts/advice much appreciated.
We are planning major building works at our house and will be moving out of our property to allow them to take place as the house will become uninhabitable - every room in the house will be affected by building work. Our kitchen has also been ripped out and there are no appliances or contents left in the property.
When we asked our insurance, they said the work was too substantial and coupled with the fact we weren't living there, it meant that they couldn't cover us and gave us the details of an insurance broker instead.
I have spent hours speaking to them, and others in an attempt to find insurance that will cover us, including 'so called' specialist building works home insurers.
A few have quoted me vast sums of money (£500+ per year) but when I spoke to them, it turned out the insurance wouldn't cover any of the rooms in which building works were taking place (e.g. It wouldn't cover anything in our case).
As an example, if lightening struck my house and caused a fire in the living room, the fact that there was building work taking place here would mean the insurance wouldn't pay out (the same with flooding and other acts of nature).
It seems that in spite of quoting vast amounts of money, the insurance would not in fact pay out under any circumstances, so can anyone tell me what I actually need it for or whether I may as well not bother?
It seems tnobody would provide any cover anyway but I've been told it is really important.
If our builders, architect and structural engineer all have their own liability insurance anyway, and the works are taking place in every room then wouldn't their liability insurance cover the period of works instead?
Thoughts/advice much appreciated.
0
Comments
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Only for stuff they're liable for. So, fire caused by their blowtorch, yes, but not your lightning example.Rob364 said:If our builders, architect and structural engineer all have their own liability insurance anyway, and the works are taking place in every room then wouldn't their liability insurance cover the period of works instead?1 -
Have you had quotes from Towergate? Wouldnt be a brand I normally recommend but non-standard risks is the area they like to specialize in1
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