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Found 2 results

  1. I have a very broad question in that we are doing a combined refurb and extension of a house and I'm totally confused by the array of insurances on offer. I've been reading various blogs and websites and I'm now completely bamboozled by whether we need Self Build Insurance (as it's not a whole new build), Renovation Insurance (as we are doing lots of structural renovations to the existing property but also building a new two-storey structure on the back that is actually slightly bigger than the original house), Structural Warranty Insurance (does that apply to hybrid build/refurb projects like this? is it needed for lenders if we refinance or sell it?) ... Do we need all of them? None of them? A combination? I realise some of this might come down to personal choice and attitude to risk but I'm finding it hard to get clear on what's legally required and none of them is cheap so while I don't want to expose us to a high level of risk I also don't want to over-insure or to buy inappropriate policies that wouldn't cover us anyway if the worst should happen! I know there is Site Insurance as well and we will need that. A rookie question I know but it seems like a tough one to unravel as the insurers themselves seem happy to sell you an unlimited number of policies! Thank you in advance for any insights! Liz
  2. I read a lot about structural warranties in this forum and how it is not worth the paper it s written on. I do pretty much agree and think, if the house is build by myself, I can pretty much estimate myself how solid it is. Problems arise when/if I want to sell or mortgage it. Wether within the 10years or later. Currently it's not planned at all, but I know how my life changed in the last 10 years, so would never even try to predict the next. problem are the prices for structural warranty. Had 4-5quotes. All came in around the 3k mark. according to other people's experience that s pretty average and nothing to expensive. But would not like to spent these amounts for a "maybe I could need it, maybe not, will see" situation. So I thought I look and get a better idea what a retrospective Structural warranty would cost. there is a lot of talk (on here) about these. But nobody seems to have done one. Any experiences? Any price comparison. I have contacted the two companies that @Temp Named in another topic. Both want a shear endless amount of documentation for my (imaginative) new build house before they can quote. So will be a bit difficult to get prices out of them. just would like to get an idea about the price difference between regular structural warranty and retrospective. Any experiences?
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