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  • FIRST POST
    • mallen
    • By mallen 5th Feb 18, 9:30 PM
    • 46Posts
    • 1Thanks
    mallen
    Buildings insurance for house with with no regs
    • #1
    • 5th Feb 18, 9:30 PM
    Buildings insurance for house with with no regs 5th Feb 18 at 9:30 PM
    Currently buying a house with no regs for chimney stack removal and a dormer.

    The work was done 3 owners ago and over 22 years ago.

    My concern is buildings insurance? I did a quick quote online which asked "has there been any building work" I ticked yes. Quote came back 100 a year.. Without the buildings regs do I you need to get specialist insurance and be up front with the insurer.
Page 1
    • Doozergirl
    • By Doozergirl 5th Feb 18, 9:51 PM
    • 25,009 Posts
    • 68,491 Thanks
    Doozergirl
    • #2
    • 5th Feb 18, 9:51 PM
    • #2
    • 5th Feb 18, 9:51 PM
    You already have a post up and have asked this question.

    Most houses in this country will been built before the legislation or have non-compliant work or work that did not have a certificate.

    They are still insurable.
    Everything that is supposed to be in heaven is already here on earth.
    • mallen
    • By mallen 6th Feb 18, 5:43 PM
    • 46 Posts
    • 1 Thanks
    mallen
    • #3
    • 6th Feb 18, 5:43 PM
    • #3
    • 6th Feb 18, 5:43 PM
    OK thanks. Fair enough I will be able to be covered and have done a few quotes online but there is no where to state "no building regs" it just asks has there building work been completed.

    I guess it would be best to call up in person and talk to the insurer directly.
    • davidmcn
    • By davidmcn 6th Feb 18, 5:48 PM
    • 7,651 Posts
    • 7,785 Thanks
    davidmcn
    • #4
    • 6th Feb 18, 5:48 PM
    • #4
    • 6th Feb 18, 5:48 PM
    there is no where to state "no building regs"
    Originally posted by mallen
    That's because they don't care whether or not there are building regs.


    This keeps coming up and it's a complete red herring.
    • eddddy
    • By eddddy 6th Feb 18, 8:21 PM
    • 6,320 Posts
    • 6,178 Thanks
    eddddy
    • #5
    • 6th Feb 18, 8:21 PM
    • #5
    • 6th Feb 18, 8:21 PM
    You should read a buildings insurance policy to see what it covers - that might solve your confusion.

    For example, if the dormer falls down because it's a botch job, it won't be covered by buildings insurance (whether or not it has building regs sign-off).

    If you are worried that the the chimney stack removal or dormer may have been done badly, you should instruct a surveyor to look at them. Buildings insurance is irrelevant.
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