Aviva and home improvement

MouldyOldDough

I informed Aviva that we are getting a home extension in 3 weeks time - expecting to have to pay a small surcharge (I took out a home insurance policy in February)

Result - Aviva tell me that they can no longer cover my home 

"unfortunately this isnt something we can cover under this policy, this does mean you would need to cancel your policy before the renovations start or when you find new cover and take out a policy suited to cover the renovations you are planning, sorry for any inconvenience caused."

There is a £50 fine for daring to cancel my insurance as well !

What company can I get home insurance through ?

beckstar1975

We are part way through a loft extension and transferred to Admiral part way through the build with no issues

MouldyOldDough

So Aviva refuse to cover an extension - is there any reason and is it only the building process that they believe is risky ?

Will they cover me again - once it is built or do they deem that the whole idea of an extension is risky ?

SaverRate

MouldyOldDough said:

So Aviva refuse to cover an extension - is there any reason and is it only the building process that they believe is risky ?

Will they cover me again - once it is built or do they deem that the whole idea of an extension is risky ?

Only Aviva can answer that

MouldyOldDough

SaverRate said:

MouldyOldDough said:

So Aviva refuse to cover an extension - is there any reason and is it only the building process that they believe is risky ?

Will they cover me again - once it is built or do they deem that the whole idea of an extension is risky ?

Only Aviva can answer that

Aviva Facebook have blocked me from asking them

Aretnap

MouldyOldDough said:

So Aviva refuse to cover an extension - is there any reason and is it only the building process that they believe is risky ?

Will they cover me again - once it is built or do they deem that the whole idea of an extension is risky ?

Many insurers won't cover a house while major building works are going on due to all sorts of additional risks - the difficulty of keeping it secure while one of the walls has been knocked down, the risk of the builders starting a fire with their equipment etc etc.

There are plenty of survivalist policies which will provide cover during building works - Google "renovation insurance" or similar.

I don't think I've ever been asked by an insurer if my house has been extended so it's not something which is likely to cause any issues getting cover once it's done. You will of course have to factor the extension into the rebuild cost and the number of rooms that you declare in future.

MouldyOldDough

I'm cancelling my aviva policy and renewing with ADMIRAL