House Insurance for an annex

Grommit10abc

Can anyone suggest insurance companies that they know for sure offer proper insurance for an annex (separate building but part of the same address).

We converted our (free standing) garage to a self-contained granny flat c10 years ago. It shares the same address, shares our utility supplies etc but is a separate building from the main house.

I have tried many over the years to find insurance companies that will properly insure the granny flat as well as the main house but have found that most will only insure it as an outbuilding and so only offer minimal cover (often just £1-10k). They won't even let us do the insurance as two policies as both buildings share the same address.

The one company I have found that does offer full cover is Aviva but with a choice of one I am stuck with their renewal quotes (challenged annually) and so premiums are increasing. I used to juggle between Aviva and their sister co Quote Me Happy which helped keep premiums down for what was the same cover, but Quote Me Happy don't do phones quotes now and I can't put enter the extra details for the granny flat via an online quote so it seems I am left with just Aviva.

I am sure I cannot be the only householder that wants full cover for an annex in their garden.

DullGreyGuy

What sort of value of contents in the granny annex? Presumably there are "valuables" in there? (another common exclusion on Outbuildings even if the limit is high enough)

Any higher end policy is more likely to be comfortable with annexes or outbuildings with notable contents (think NFU, Hiscox, Chubb etc) but are unlikely to achieve a lower price than Aviva

dunstonh

I am sure I cannot be the only householder that wants full cover for an annex in their garden.

No.  Look at the many rural properties that have barns, converted buildings for home offices, annexes etc.   They are commonplace and most of the quality providers cater for these things.

We use NFU (as is pretty much the default choice in our area) but it isn't cheap and nor would I expect it to be when you put quality as your priority and not price.

Grommit10abc

The clue is in the website name Money SAVING expert. I am after value for money, and Aviva cant be the only one.  You mention farms but most barns are converted for commercial use so domestic insurance doesn't apply. 

DullGreyGuy

Grommit10abc said:

The clue is in the website name Money SAVING expert. I am after value for money, and Aviva cant be the only one.  

This site is about buying cheap not getting value... the complaining about it afterwards

dunstonh

You mention farms but most barns are converted for commercial use so domestic insurance doesn't apply. 

Since when is that the case?  it certainly isn't in our area.  And where did I mention farms? 
However, as you have mentioned farms, then many ex farms have barns and ex farmworker properties, that would often include barns.  A lot of houses have ex-stables and barns.

The clue is in the website name Money SAVING expert. I am after value for money, and Aviva cant be the only one. 

The clue isn't in the name as some people see that as cheapest possible, irrespective of quality.  Others see it quality at good value.