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Found 1 result

  1. divorcingjack
    Hi all, I'm currently wading through the nightmare that is getting site insurance set up and have hit a wall with Zurich. We will be building/digging next to neighbours (blocks of flats) on two sides and some prefab garages at the back, all within 3m, some under 1m away. All specified by an engineer, but still ... We are in Scotland, so we don't have party wall agreements but I am worried about the possibility of damage occurring to other properties. So, I got a quote from SelfbuildUK (zurich policy) and then phoned them up to see about the possibility of adding JCT cover for non negligent damage. The Zurich lady INSISTS that they cannot give me JCT cover as I am not a contractor and the accidental damage section of my self build policy will cover it, as the wording below: So my question is - what is the difference between public liability cover for accidental damage and JCT cover? Sub-section 1 – Public Liability a) accidental death of or accidental Personal Injury to any person other than an Employee where such death or Personal Injury arises out of and in the course of the employment b) accidental loss of or accidental damage to material property So this outlines that ANY accidental damage to a property will be covered under this section. The limit of indemnity is £5,000,000.
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