When to change build insurance to home insurance

[Gaz Bancroft]

I have now completed my self-build project. I'm just waiting for building control final certificate and then I will be able to obtain my warranty. When can I obtain normal home and contents insurance? The house is build complete and I would like to move in before Christmas but I'm conscious that my self-build insurance wouldn't cover occupation of the property. Do I need the build complete warranty to obtain normal insurance? Do I need to cancel my self-build insurance once I have taken out standard home and contents insurance? 

 

Thank you 

[Pocster]

5 minutes ago, Gaz Bancroft said:

I have now completed my self-build project. I'm just waiting for building control final certificate and then I will be able to obtain my warranty. When can I obtain normal home and contents insurance? The house is build complete and I would like to move in before Christmas but I'm conscious that my self-build insurance wouldn't cover occupation of the property. Do I need the build complete warranty to obtain normal insurance? Do I need to cancel my self-build insurance once I have taken out standard home and contents insurance? 

 

Thank you 

Once I got my completion certificate I just called up my insurer , changed to ‘normal’ insurance and of course my annual premium dropped so they refunded that .

They never asked for any proof on completion . Also my self build insurance at the time allowed for occupation .

Edited December 17, 2024 by Pocster

[Conor]

Day you get the completion certificate is the day you should change to a normal home insurance policy. Our self policy was voided upon completion.

[nod]

You need to switch the day you move in 

Insurance company arnt interested in when you get your completion certificate 

[Gone West]

4 hours ago, Gaz Bancroft said:

When can I obtain normal home and contents insurance?

My insurance company would only insure it for home and contents once it was occupied.

[Russell griffiths]

Phone the company you have insurance with. 
protek where happy for us to move in on a temporary basis as long as i informed them when, completion certificate won’t be issued until it’s complete which will be some time. 

[Blooda]

We changed ours the day we got the completion certificate.

We were extending the self build insurance on a monthly basis at the end, as we were trying to get it over the line.  

We still had our previous house - so officially we [me and wife] moved in new house on that day.  Son officially stayed at old house (student so 0% Council tax), until it was sold.