CIS is a problem & Best Buildings Insurance when house is in poor state or repair

Suzkin

Dear MSEs,

My Buildings insurance policy expired a couple of weeks ago, when the assistant from CIS told me that she would send me a booklet on extra accidental damage and a quote for it in the post, and then never did.

When I escalated the issue to the manager, I was told that they do not sent illustrations in the post. The manager also told me that there was no note of the conversation I had had with the assistant, on my record. I was livid. :mad:

When they quoted me again from scratch that day (as my cover had already expired) I was quoted from approx. £135 (my old cover) to £400.00 plus! CIS told me that they now cover AS STANDARD £500,000 for rebuild costs - regardless of the type of property. My house is a 1 bed mid-terrace. I am even more annoyed. :mad:

ANYWAY, I now know I also have problems with damp (the whole house needs damp-proofing, and wood timber treatment). Can anyone recommend my best course of action? I cannot afford to have the work done this or next year, and yet still need insurance cover. Would I be paying over the odds? Anyone had any good experiences or similar situation to mine?

Very much appreciated,
Suzkin

jessjess_2

The damp proofing would not be covered under the insurance as this is deemed maintenance on the property - not an insured peril. Get some other quotes for insurance, if you think CIS are too expensive.