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  • FIRST POST
    • MarcoM
    • By MarcoM 13th Jun 19, 8:14 AM
    • 566Posts
    • 77Thanks
    MarcoM
    insurance unoccupied home building materials
    • #1
    • 13th Jun 19, 8:14 AM
    insurance unoccupied home building materials 13th Jun 19 at 8:14 AM
    Hello,


    I have unoccupied insurance for the house I am currently having refurbuished. The policy does not cover unfixed building materials and I will soon be getting delivery of a kitchen and bathroom which will be unfixed for a while whilst the work goes on.


    The insurer says they cannot insure these materials until they are fixed. This sounds like the usual insurance rip off.
    Has anyone been in the same position? Is there any standalone policy I can buy anywhere else?
    I don't really want to have a kitchen worth 8k uninsured.


    Regards,
Page 1
    • Nasqueron
    • By Nasqueron 13th Jun 19, 8:51 AM
    • 7,603 Posts
    • 4,840 Thanks
    Nasqueron
    • #2
    • 13th Jun 19, 8:51 AM
    • #2
    • 13th Jun 19, 8:51 AM
    It's hardly a rip-off, easy scam for a person and a builder to pull, goods delivered, get "stolen", builder uses the "stolen" goods at his next job and charges next customer for goods he got for nothing and first home owner claims the goods back on insurance, builder bungs first guy 500 for his trouble
    the concept of a United States of Europe is right. Winston Churchill 1930
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    The future of Europe if Britain were to be excluded is black indeed.
    - Winston Churchill 1963
    • Weighty1
    • By Weighty1 13th Jun 19, 9:15 AM
    • 606 Posts
    • 310 Thanks
    Weighty1
    • #3
    • 13th Jun 19, 9:15 AM
    • #3
    • 13th Jun 19, 9:15 AM
    How's it a rip-off? They are telling you it's not insured, hardly trying to rip you off there are they?
    • Quentin
    • By Quentin 13th Jun 19, 9:24 AM
    • 40,488 Posts
    • 24,530 Thanks
    Quentin
    • #4
    • 13th Jun 19, 9:24 AM
    • #4
    • 13th Jun 19, 9:24 AM
    Your builder should have all risks cover


    Ask them to confirm they have all risks to include unfixed materials - ask for a copy of the cert/policy if you are worried
    • MarcoM
    • By MarcoM 13th Jun 19, 11:21 AM
    • 566 Posts
    • 77 Thanks
    MarcoM
    • #5
    • 13th Jun 19, 11:21 AM
    • #5
    • 13th Jun 19, 11:21 AM
    Your builder should have all risks cover


    Ask them to confirm they have all risks to include unfixed materials - ask for a copy of the cert/policy if you are worried
    Originally posted by Quentin
    would this cover a kitchen supplied by a third party?
    • Quentin
    • By Quentin 13th Jun 19, 11:27 AM
    • 40,488 Posts
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    Quentin
    • #6
    • 13th Jun 19, 11:27 AM
    • #6
    • 13th Jun 19, 11:27 AM
    Ask them!!

    Presumably the builder doesn't manufacture any materials, but all are bought in
    • Chickenlips
    • By Chickenlips 13th Jun 19, 7:41 PM
    • 132 Posts
    • 94 Thanks
    Chickenlips
    • #7
    • 13th Jun 19, 7:41 PM
    • #7
    • 13th Jun 19, 7:41 PM
    Is it specifically excluded? If not, why can it not be considered contents? That's the way I'd deal with with it, provided there isn't a specific exclusion for yet-to-be-installed materials.
    • jonesMUFCforever
    • By jonesMUFCforever 14th Jun 19, 10:01 PM
    • 26,106 Posts
    • 13,274 Thanks
    jonesMUFCforever
    • #8
    • 14th Jun 19, 10:01 PM
    • #8
    • 14th Jun 19, 10:01 PM
    Is it specifically excluded? If not, why can it not be considered contents? That's the way I'd deal with with it, provided there isn't a specific exclusion for yet-to-be-installed materials.
    Originally posted by Chickenlips
    Perhaps because the house is unoccupied - there is no contents cover?
    What goes around - comes around
    give lots and you will always receive lots
    • Dangermac
    • By Dangermac 15th Jun 19, 12:10 PM
    • 518 Posts
    • 281 Thanks
    Dangermac
    • #9
    • 15th Jun 19, 12:10 PM
    • #9
    • 15th Jun 19, 12:10 PM
    Hello,


    I have unoccupied insurance for the house I am currently having refurbuished. The policy does not cover unfixed building materials and I will soon be getting delivery of a kitchen and bathroom which will be unfixed for a while whilst the work goes on.


    The insurer says they cannot insure these materials until they are fixed. This sounds like the usual insurance rip off.
    Has anyone been in the same position? Is there any standalone policy I can buy anywhere else?
    I don't really want to have a kitchen worth 8k uninsured.


    Regards,
    Originally posted by MarcoM
    People like you, who quote 'rip off' without any justification, need education regarding how insurance works. Insurance policies do not cover everything. Some policies are wider than others. What is important is that the relevant exclusions are communicated to you in order that you can take the appropriate action.

    As Quentin says below, you can request that your builder has Contract Works cover, however, what needs to be added is that it would also be necessary for your builder to be responsible for the works up until handover to you, as the homeowner. Without the builder being responsible for the works, it wont matter whether he has Contract Works insurance or not. He needs insurable (financial) interest.

    Also, it does not necessarily matter whether the builder has provided the kitchen/bathroom materials or not. A Contract Works policy can cover 'free issue materials'. But the key is that the builder must have accepted responsibility for this up until handover to the homeowner, you.

    It is unlikely that a Contents policy will cover will cover unfixed buildings materials, and you may find that your policy has a specific exclusion for this (common for unoccupied buildings policies)

    Finally, you can purchase your own Contract Works policy, but this does not tend to happen for smaller projects.

    Hope this helps.

    DM
    Last edited by Dangermac; 15-06-2019 at 12:13 PM. Reason: typo
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