June 19, 20242 yr Hi All, I'm nearing completion and need to move in soon due to my current place being rented from mid July. I have read somewhere here but can't find it again that some of you managed to get home insurance on your new builds prior to obtaining a completion certificate. My ( hard sell) sister who is an insurance broker thinks (99%) that this is not possible and suggested that I ask you lovely guys and gals where you got your insurance from.
June 19, 20242 yr Your self build policy will cover you until signoff. Day you get signoff, your self build will be invalid and you'll need normal home policy.
June 19, 20242 yr I think we used Liverpool Victoria last time We started the policy Two weeks prior to moving in and five months till sign off
June 19, 20242 yr 4 hours ago, Canski said: Hi All, I'm nearing completion and need to move in soon due to my current place being rented from mid July. I have read somewhere here but can't find it again that some of you managed to get home insurance on your new builds prior to obtaining a completion certificate. My ( hard sell) sister who is an insurance broker thinks (99%) that this is not possible and suggested that I ask you lovely guys and gals where you got your insurance from. It's possible. I was insured through Towergate for 2 years and now through Howden Insurance.
June 19, 20242 yr Had my insurance a good year before sign off. Just told them everything we had to do and the building works was ongoing. They weren't bothered. Never had self build insurance either.
June 19, 20242 yr Yes same here. There are specialist brokers that will insure you which I did just yesterday. Our current insurer is NFUM and they wouldn’t insure us for buildings or contents until the house is fully complete. Fortunately they are allowing us to keep our various animals and farm vehicles insured with them.
June 19, 20242 yr 1 hour ago, Kelvin said: Yes same here. There are specialist brokers that will insure you which I did just yesterday. Our current insurer is NFUM and they wouldn’t insure us for buildings or contents until the house is fully complete. Fortunately they are allowing us to keep our various animals and farm vehicles insured with them. Yes We had that also Examples they gave was jewelry Expensive plasma screens They seem to think Not signed off = A building site with trades coming and going
June 19, 20242 yr 1 hour ago, JohnMo said: Had my insurance a good year before sign off. Just told them everything we had to do and the building works was ongoing. They weren't bothered. Never had self build insurance either. i would bet you were not in fact covered and come a serious claim it would hit the fan. Home insurance needs a home which isn't created until a completion cert is issued. Prior to that its contract works insurance.
June 19, 20242 yr Author 20 minutes ago, Dave Jones said: Prior to that its contract works insurance. Which my l sister says doesn't cover you if you move in prior to completion
June 19, 20242 yr 19 minutes ago, Canski said: Which my l sister says doesn't cover you if you move in prior to completion It depends on the policy wording as always. Adrian Flux, for example, do tailored polices that change at each stage of your build including moving to home insurance. I suggest you call some of the specialist insurers mentioned. Please update the thread once done. Edited June 19, 20242 yr by Kelvin
June 19, 20242 yr Are you really not covered if you don't have a completion certificate? never heard of that before... is that even the case when you do a loft conversion extension etc
June 19, 20242 yr 16 minutes ago, Lofty718 said: Are you really not covered if you don't have a completion certificate? never heard of that before... is that even the case when you do a loft conversion extension etc As long as you tell them like anything else
June 19, 20242 yr 41 minutes ago, Canski said: Which my l sister says doesn't cover you if you move in prior to completion Correct as its not home insurance. Move into a building site at own risk! Edited June 19, 20242 yr by Dave Jones
June 19, 20242 yr 18 minutes ago, Lofty718 said: Are you really not covered if you don't have a completion certificate? never heard of that before... is that even the case when you do a loft conversion extension etc your altering an existing home which is completely different to building once from scratch.
July 12, 20242 yr Got my insurance a couple of weeks ago. Is there any building work ongoing, no. Are we signed off, no. Did they ask, no. But seeing as we've been moved in since Christmas, I thought It might be a plan to actually insure it all now all the heavy lifting is done. All we need is a bit of tarmac.
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