We keep having to extend our self build insurance as our project runs on and on, and the cost of it is painful. We're only four weeks away from moving in but our building insurance is due to expire imminently (well, today, to be precise).
The electrician is inside doing second fix, and block paving is being laid on the driveway, and landscapers are using diggers and dumpers in the back garden. Does this require an extension on the self-build insurance? The Protek quote is £437 inc vat for 3 months. I could get house insurance for the whole year for not much more than that.
If, say, the electrician was to electrocute himself whilst on my house, for example, would he not be covered by his own company's insurance anyway?