House insurance conditions with Santander mortgage

potsandpans5559

Buying a new house and would like to continue with current home insurer Frontier, except Frontier and four other insurers I’ve checked don’t meet the exact wording of the mortgage conditions. Examples below. 

I’ve contacted my broker for help but yet to hear back. Is there someone else I should ask? Am I overthinking things, and it doesn’t have to match the wording exactly? 

Many thanks for any help.

1. Santander require cover for 'Aircraft or things falling from them'- 

Frontier cover ‘Being hit by any flying object or item falling from it’ but doesn’t specify aircraft. Will this suffice?

2. In Frontier there is no reference to ‘breakage or collapse of aerials’, but it is required by Santander.

flaneurs_lobster

Santander sell home insurance too, have you checked them out?

You'd hope that Santander house insurance policies would meet the requirements of Santander mortgages (but I wouldn't bet my house on it).

user1977

Do you have aerials?

potsandpans5559

Yes. Even if we didn’t Santander requires all of their conditions to be met as a minimum.

Bigphil1474

You may be overthinking things. When we got our mortgage last year, I can't even remember being asked about the insurance, and we changed insurer about 2 months afterwards anyway, and the mortgage company weren't informed. We do have a low LTV so maybe not so much of an issue. I can imagine they don't want some half baked insurance policy, but I'd be surprised if they were so fussy to differentiate between a policy that doesn't specifically mention aircraft (unless you live near an airport maybe).

user1977

You're overthinking things, unless your solicitor (who is the only party likely to check) is being particularly pedantic about it. I'm not sure in what circumstances an aerial would cause damage other than via something else already covered (e.g. storm), and an aircraft is obviously a "flying object".

flaneurs_lobster

user1977 said:

You're overthinking things, unless your solicitor (who is the only party likely to check) is being particularly pedantic about it. I'm not sure in what circumstances an aerial would cause damage other than via something else already covered (e.g. storm), and an aircraft is obviously a "flying object".

Isn't pedantry exactly the reason why someone engages the services of a solicitor?

user1977

flaneurs_lobster said:

user1977 said:

You're overthinking things, unless your solicitor (who is the only party likely to check) is being particularly pedantic about it. I'm not sure in what circumstances an aerial would cause damage other than via something else already covered (e.g. storm), and an aircraft is obviously a "flying object".

Isn't pedantry exactly the reason why someone engages the services of a solicitor?

We also try to be realistic...

newsgroupmonkey_

potsandpans5559 said:

Buying a new house and would like to continue with current home insurer Frontier, except Frontier and four other insurers I’ve checked don’t meet the exact wording of the mortgage conditions. Examples below. 

I’ve contacted my broker for help but yet to hear back. Is there someone else I should ask? Am I overthinking things, and it doesn’t have to match the wording exactly? 

Many thanks for any help.

1. Santander require cover for 'Aircraft or things falling from them'- 

Frontier cover ‘Being hit by any flying object or item falling from it’ but doesn’t specify aircraft. Will this suffice?

2. In Frontier there is no reference to ‘breakage or collapse of aerials’, but it is required by Santander.

The ABI say a vehicle, aircraft etc. is normally standard on insurance.
https://www.abi.org.uk/globalassets/sitecore/files/documents/publications/public/2016/home-insurance/home-insurance-what-you-need-to-know.pdf

Generally, anything to do with the property is covered unless otherwise specified.