Home Insurance Options

[hmpmarketing]

Hi All,

 

Can anyone please advise on home companies that provide Home Insurance? I was quoting with LVE but when asked "s it of standard construction?" the description says:

 

The walls need to be made of at least 50% brick, stone or concrete.

The roof, including any flat roofs, will need to be made of at least 50% slate, tile, metal, asphalt or concrete.

 

Talking with their rep, he said "Timber frame we wouldn't class this as standard construction, if the timber frame is more than 50% of the home then I'm afraid we wouldn't offer cover. "

 

Any other options around?

 

Thanks again

[IanR]

I've just taken up a policy with Intelligent Insurance. The price was so competitive that I'm wondering it it's too good to be true...

 

Edit: Sorry, Intelligent Insurance, not Intelligent Finance.

Edited August 30, 2017 by IanR

[hmpmarketing]

Thanks for the quick reply @IanR!

 

I am wondering the exact definition of non-standard....Modern "timber-frame construction" is totally different to that insurers would consider non-standard nowadays!

 

My house other skin is rendered in cement based render, wondering if that makes any difference....

[hmpmarketing]

@IanR can  you provide a link to this company? I searched online but there is nothing on their home page regarding home insurance :-)

 

 

[IanR]

1 minute ago, hmpmarketing said:

@IanR can  you provide a link to this company? I searched online but there is nothing on their home page regarding home insurance :-)

 

 

 

I'd just corrected my original post.

 

Here it is, Intelligent Insurance:
 

https://www.intelligentinsurance.co.uk/

 

 

[PeterW]

Nationwide cover them, as do most of the mainstream insurers as the construction method is common these days.

 

When they ask about walls and roofing, it is the outer cladding they are (usually) referring to. Essentially if you have part timber clad and part masonry, and a part flat roof, as long as its 50% brick and 50% tile you are fine.

 

 

[hmpmarketing]

Thanks guys, couple of options now  

 

Wondering if any of these can offer combined car + home, will check

Edited August 30, 2017 by hmpmarketing

[PeterW]

Admiral... I've got the diamond cover on my mums place as it does all the emergency call out etc and they offer combined with car insurance at a 20% discount from memory....

[hmpmarketing]

Thanks @PeterW hopefully they do timber frame too

[Mikey_1980]

+1 for Inteligent Insurance, it's who we have used for our Clad MBC house. 

[Stones]

I know the question was aimed at TF, but if anyone is looking to insure an ICF build, i've just insured with Churchill, £160 for the year Inc full accidental.

[ragg987]

+1 intelligent insurance. We have timber with render and ICF basement.

 

I purchased the policy through topcashback, if memory serves right the questions guided me through the construction types. The quote this route was a bit cheaper than going direct to them, plus I got about £30 cashback a few months later.

[hmpmarketing]

Thanks @ragg987 for the tip, signed up to topcashback and found significantly cheaper than what I was quoted by Intelligent Insurance....entered Timber Frame as external material and quotes starting 50% cheaper!! Too good to be true....