Ralph

Struggling to get Site Insurance for End of Job

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We are struggling to get site insurance for the last stretch of job. 

 

Our builder is now off the job and we are finishing the rest with other trades. What's left to do is fairly minor, finish off kitchens, bit of plumbing and electrical. The biggest thing is glass for stairs and balconies which is stopping us from getting a completetion certificate. It may take 12 weeks to get the glass done, just because of the order time. 

 

Quite a few companies have refused to insure us because it's part way through a build, Build Care through build zone did quote us £750 for 6 months. Does that seem excessive to anyone? We could requote for 3 months but I'm not sure with Xmas and everything we will get it done.

 

Thanks

Ralph

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Ask Buildzone for a 12 month policy - You may find its cheaper. Also check with GSI Southern as they have specialist policies 

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1 hour ago, Ralph said:

Does that seem excessive to anyone?

 

Yes that does seem a lot. Ive just insured through Adrian Flux a broker who had no problems finding a policy that didn't require a completion certificate. 

Im at a similar stage, structure and first fix complete, EPC issued. No major works to require site insurance.

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1 hour ago, PeterW said:

Ask Buildzone for a 12 month policy - You may find its cheaper. Also check with GSI Southern as they have specialist policies 

I will check Buildzone thanks, GSI said no as we had started.

 

16 minutes ago, willbish said:

Yes that does seem a lot. Ive just insured through Adrian Flux a broker who had no problems finding a policy that didn't require a completion certificate. 

Im at a similar stage, structure and first fix complete, EPC issued. No major works to require site insurance.

I'll give them a call, thanks.

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A broker I approached said it might be difficult to find an insurer to take on a risk part way through and told me to approach my self build insurer to find house insurance (because I want to live in the house before full completion). They were happy to find a suitable policy which would work in tandem with the existing one. 

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24 minutes ago, Dave Jones said:

timber the glass areas to get your completion cert ?

We asked that and they said anything obviously temporary would not pass, mainly due to the external balcony.

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1 hour ago, Dave Jones said:

block up the blacony opening ?

It might fly but again boarding it may be seen as temporary.

Think I'll just have to spend the cash. 

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