Insurance quote and cladding

[Lincolnshire Ian]

Hi folks

We have just received a quote from Adrian Flux for House and Contents insurance. We have just finished a timber framed house which is 70% block and render and 30% composite cladding outer skin. 

Getting a quote was straight forward until we started to talk about the cladding which is 60% wood, 30% HDPE and 10% chemical additives (Neotimber). Apparently the Adrian Flux system doesn't have the sophistication to add details of the actual cladding specification or fire rating. The quote determines the cladding as "wood and plastic". 

The quote was £854/year which is more than 4x the amount I am used to paying for a traditional brick and block house. 

Does this quote sound about right for this type of house, or maybe someone can suggest an alternative broker. 

Thanks 

 

[Russdl]

Ours is less than half of that, similar 'non standard' construction.

 

We used Homeprotect

[G and J]

We have just taken building insurance with LV.  Timber frame, part block skin part timber clad.  Standard terms, remarkably good value.  Such good value that I rang back in and checked that they had noted the timber cladding. 

[Gus Potter]

10 hours ago, Lincolnshire Ian said:

We have just received a quote from Adrian Flux for House and Contents insurance.

Try a broker that is Scottish based, we have lots and lots of timber clad houses. It's worth a call just to get a bit of advice. 

[Lincolnshire Ian]

6 hours ago, Gus Potter said:

Try a broker that is Scottish based, we have lots and lots of timber clad houses. It's worth a call just to get a bit of advice. 

That's a good idea. Do you have any names I could try?

[Gus Potter]

On 30/06/2026 at 05:21, Lincolnshire Ian said:

Do you have any names I could try?

Hamilton Leonard Insurance Brokers, just changed their name to Roxburgh.

 

Ask for Allan Burns, always helpful. 

 

53 Moss St, Paisley PA1 1DR

Phone: 0141 226 5161

 

Website: https://roxburghinsurance.co.uk/