Extension built, house insurance

trance14

Hi all. Had a single story extension built by a relative who is a builder. This has gone through local authority and building control etc however I have just gone to tell my house insurance and now they are wanting public liability which my relative does not have (works for a company).

I did not realise this was necessary ? How can I get around this with the insurance company ?

Thanks 

user1977

Do they understand the build is complete (assuming it is)? I can understand asking for this while it's a building site, but not after the builders have left.

eddddy

Taking a step back - did you inform your insurers that you were having an extension built before work started?  If not, you might have already breached the terms of your policy.

As user 1977 says, have your insurers misunderstood and think you are saying that you're about to get an extension built by your relative? 

In that case, they would be telling you that your relative must have public liability insurance during the building work - in case they do damage to your existing house.  (I'm not sure that public liability insurance is relevant after the building is finished.)



If you have breached your policy terms by not informing them before the work started, I don't know how seriously your insurers would take take that.

If you wan't to avoid 'a difficult conversation' with your insurers about breaching the policy terms, I guess you could take out a new policy with a new insurer, and then quietly cancel the current policy without explaining why.