March 7, 20215 yr As I’m nearing the point we will be moving in what buildings insurance should I look for? Structurally it’s complete but assume a ‘regular’ buildings insurer would have a problem with the project not being signed off and complete ....
March 7, 20215 yr They are fine with it not being signed off We were in 3 months before sign off The insurance started two weeks before we moved in All they said was obviously if you move your plasma screen and Rolex in the two week period They won’t be covered But the general fabric and decor will (Adrian flux)
March 7, 20215 yr Author 51 minutes ago, nod said: They are fine with it not being signed off We were in 3 months before sign off The insurance started two weeks before we moved in All they said was obviously if you move your plasma screen and Rolex in the two week period They won’t be covered But the general fabric and decor will (Adrian flux) Should I mention I’m half underground?? Don’t want them not being told that to use it as an excuse for not paying out
March 7, 20215 yr They are fine with it not being signed off We were in 3 months before sign off The insurance started two weeks before we moved in All they said was obviously if you move your plasma screen and Rolex in the two week period They won’t be covered But the general fabric and decor will (Adrian flux) They really didn’t go into any depth Just asked about an electrical and gas cert and how long the house would be empty Gave us 30 days on the later
March 7, 20215 yr just be sure you have the completion cert in hand before you move in otherwise its still a building site and they may not pay out.
March 11, 20215 yr Author I'm still having difficulty finding a company/product for this. It would seem that fact I'm "out the ground" is an issue ( probably at around 1st fix level ). The other issue seems to be that I'll move into it but it won't be complete.... Anyone else got this situation and found a suitable insurer?
March 11, 20215 yr Do you not have a self build policy? That will cover it at all stages, but needs to start before the building work starts. I will be trying again soon to convert to a normal polict now we are within touching distance of finishing. but last time I looked, last year even a standard policy was coming out at more than just renewing the self build policy (it is "non standard" construction)
March 11, 20215 yr Author 15 minutes ago, ProDave said: Do you not have a self build policy? That will cover it at all stages, but needs to start before the building work starts. I will be trying again soon to convert to a normal polict now we are within touching distance of finishing. but last time I looked, last year even a standard policy was coming out at more than just renewing the self build policy (it is "non standard" construction) No. Just a JCT at the start for excavation. Talking to ArianFlux insurer . She asked me why it's taken so long! - cheeky cow! Edited March 11, 20215 yr by pocster
March 11, 20215 yr Author OUCH £500 annual for self build cover. She didn't even ask size of build just other crap. Is that about right or WAY too much?
March 11, 20215 yr Yep I have been paying just over £500pa self build insurance for 6 years now. Hoping I can move to a normal buildings and contents policy soon for less but I think it will be lucky to be less. I am still insuring our old house (on a small hotel policy) and that's just shy of £600 pa now.
March 11, 20215 yr Author 18 minutes ago, ProDave said: Yep I have been paying just over £500pa self build insurance for 6 years now. Hoping I can move to a normal buildings and contents policy soon for less but I think it will be lucky to be less. I am still insuring our old house (on a small hotel policy) and that's just shy of £600 pa now. Crumbs! These were recommended too me https://www.renovationplan.co.uk Waiting for a quote now. I made her laugh!
March 11, 20215 yr I had self build insurance from self build insurance? £277.98. Based on £100k of work
March 11, 20215 yr Author 46 minutes ago, TonyT said: I had self build insurance from self build insurance? £277.98. Based on £100k of work Pretty sure I called them . Problem was work had already started
March 11, 20215 yr Author 1 hour ago, ProDave said: Yep I have been paying just over £500pa self build insurance for 6 years now. Hoping I can move to a normal buildings and contents policy soon for less but I think it will be lucky to be less. I am still insuring our old house (on a small hotel policy) and that's just shy of £600 pa now. Crumbs @ProDave and everyone says I’m slow ! ?
March 11, 20215 yr 36 minutes ago, pocster said: Pretty sure I called them . Problem was work had already started Doesn’t matter, just like ProDave’s 6 years doesn’t mean you have to stay with the same company for the duration of the build.
March 15, 20215 yr Author Another quote today ... nearly 3k for 24 months cover ? Most insurers won’t cover me because I’ve been too long getting the build done . What are they trying to tell me ! . Perhaps that 500 a year is the best I’m going to get ...... Wonder what @Onoff says when he renews his buildings insurance? . They always ask “ any major work “ or “ property in a good state of repair “ - fecking joke questions !! Edited March 15, 20215 yr by pocster
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