Pete Posted May 15, 2019 Share Posted May 15, 2019 The house insurance is due for re-newel and the quotes are quite steep. The house is structurally complete, wind and watertight, 50% plasterboarded and just needs bathrooms and kitchen fitted and it will be finished. The reasons the quotes are high it seems is because I am not using contracts people to do the work and using their liability insurance. What have people done in these circumstances? The company I used last year no longer deals with this type of insurance and some of the quotes are ridiculous. I have used Quoterack this morning to see what they come back with and tried Adrian Flux yesterday and their quote was silly money when all of the structural work has been completed. TIA Link to comment Share on other sites More sharing options...
newhome Posted May 15, 2019 Share Posted May 15, 2019 Similar thread on the go here: Link to comment Share on other sites More sharing options...
ToughButterCup Posted May 15, 2019 Share Posted May 15, 2019 26 minutes ago, Pete said: The house insurance is due for re-newel and the quotes are quite steep. The house is structurally complete, wind and watertight [...] Well, there's the odd draft. Exactly the same issue as you Pete. I bought a 6 month policy. Head down, arse up, go. Link to comment Share on other sites More sharing options...
Pete Posted May 15, 2019 Author Share Posted May 15, 2019 I am trying a flea type of insurance so will be just covered for fire, lightning and earthquake. 13 minutes ago, newhome said: Similar thread on the go here: Thanks. I had already read this but found it of no use as the quotes are ridiculous and wondered if anybody else had done something different.. Link to comment Share on other sites More sharing options...
ProDave Posted May 15, 2019 Share Posted May 15, 2019 2 hours ago, Pete said: I am trying a flea type of insurance so will be just covered for fire, lightning and earthquake. Thanks. I had already read this but found it of no use as the quotes are ridiculous and wondered if anybody else had done something different.. I will be updating my thread later. After I have renewed my self build policy for another year having failed to find a sensible alternative. Link to comment Share on other sites More sharing options...
newhome Posted May 15, 2019 Share Posted May 15, 2019 Problem is that anything out of the ordinary will fall into manual underwriting and they will always load the premium as they won’t want to take additional risk without it being worth their while / covered against loss. They may also use a reinsurer to mitigate the risk of some higher risk areas so you will be paying for that too. You could look for FLEA cover but for the sake of a couple of hundred quid or so I would just bite the bullet and get proper insurance. It should (in theory) only be for a year or two surely? Link to comment Share on other sites More sharing options...
newhome Posted May 15, 2019 Share Posted May 15, 2019 2 minutes ago, ProDave said: I will be updating my thread later. After I have renewed my self build policy for another year having failed to find a sensible alternative. Wasn’t an option for me as the self build insurer refused to extend so I had no option but to find cover elsewhere Link to comment Share on other sites More sharing options...
Gone West Posted May 15, 2019 Share Posted May 15, 2019 I used Sennocke Insurance and got an unoccupied buildings policy. 1 Link to comment Share on other sites More sharing options...
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