Buildings Insurance after build

[Calvinmiddle]

I'm trying to get sensible buildings insurance since I have (mostly) completed things.

But the fact I have a flat room (well it has a slight pitch but 1/3 is 1 degrees and the rest is about 18 degrees.) seems to put a lot of the insurers off.  The roof is a single ply membrane, Evalon VSK, and it seems the insurance industry hasn't heard of single ply membranes before.

So the  few quotes I am getting are coming in at the £250-300 range just for buildings insurance, which is too high if you ask me.

 

I know some of you have got flat roofs @jack so who did you get your insurance through?

[Stones]

Have you been calling insurers direct or have you gone through a broker?  I would suggest that for anything non standard your easiest (and most cost effective ) route will be using an insurance broker.

[Calvinmiddle]

Using an insurance broker 

[Barney12]

What percentage of the building is covered by a flat roof?

Under 30% would not normally increase premiums, over that and it almost certainly will. 

There are also specialist insurers who are more comfortable with flat roofs. 

This is pretty standard fair for a decent broker so perhaps try a different one!

[Trw144]

Keep me posted who you find - will be in the same position next month (all being well).

[Mikey_1980]

We used intelligent Insurance for our MBC build, really easy to deal with and our total buildings and contents insurance came in at £450 with all the usual exras

such as accidental damage, the mainstream insurers were quoting neater £1k

[jack]

We're still under some sort of hybrid site/buildings insurance.  We're trying to get our completion certificate by Christmas.  Until that's issued, we can't get normal house insurance.

[Mikey_1980]

I didn't even ask them about needing a completition certificate at the time!!, luckily we got ours issued on Monday, just waiting for the warranty to be signed off tomorrow hopefully. We put are re-mortgage application in about 10 minutes after we had got the completion certficate!

[Temp]

We ended up with a policy from the Halifax. Was cheapest at the time and it was virtually unlimited.  However our house doesn't have any flat roofs and is all traditional construction.