Buildings insurance and a tree which has grown, and now need to declare in my building ins renewal

UnsureAboutthis

As above

We've lived here for a few years and the single conifer was about 7 feet tall several years ago.
ago but now it is a lot taller and in my view, as now falls within the height and distance from our home where you need to declare it
on your building's insurance—approximately, what percentage increase can we see on our new premiums?

We asked next door if we could have it cut dow and pay for it ourselves; they agreed as long as it
was not below 15 feet or so, we were happy with that but they wanted
assurances that any cutting down and subsequent damage to the tree, we'd need to pay for i. So along with that, a quote for 550 quid was not for us, especially because of the guarantees regarding tree damage and any costs resulting from that, i.e., remove the damaged tree and plant another tree that is at least 9 feet tall/conifer.

Nearlyold

Is the tree growing on the neighbours land or your land?

born_again

Might be worth a read.

https://www.beechwoodtrees.co.uk/blog/understanding-uk-laws-on-conifer-tree-height

UnsureAboutthis

born_again said:

Might be worth a read.

https://www.beechwoodtrees.co.uk/blog/understanding-uk-laws-on-conifer-tree-height

Many thanks. Just skim read it, and it does not block light to a degree where we are moderately impacted, and we have already discussed with the people next door.
We don't want to fall out with them as they are shallow types, and we have noted them making snide comments re other neigbours.

XRS200

What question do your buildings insurers ask about trees?

UnsureAboutthis

XRS200 said:

What question do your buildings insurers ask about trees?

I need to inc the tree, hence my question.

XRS200

UnsureAboutthis said:

XRS200 said:

What question do your buildings insurers ask about trees?

I need to inc the tree, hence my question.

What is the question the insurer asks about trees?

Aretnap

UnsureAboutthis said:

what percentage increase can we see on our new premiums?

This isn't a question which anyone can give you a useful answer to, which is why people are trying to help in other ways. It will depend on the property and the insurer. Some insurers may not quote for you at all, others it will make little or no difference. There are a fair few insurers who don't even ask about trees at all, among those that do there is no standard height and distance at which you have to declare it. Get some quotes from several different companies and see what they look like.

sheramber

if the tree is on your neighbour's property would any claim not be on his insurance , rather than yours.

MyRealNameToo

sheramber said:

if the tree is on your neighbour's property would any claim not be on his insurance , rather than yours.

Unlikely, his insurance won't cover the OPs home. You could try and argue they are liable as the home owner but it's a rather difficult thing to do and depends on many factors. Eg if the tree was there before the OPs home was built then they almost certainly wouldnt win that argument. 

Ordinarily you would claim off of your own insurance and leave it to them to decide if it's worth attempting to counterclaim off of the tree owner. 

note the Q about tall trees is normally connected to the subsidence risk rather than the risk of it falling.