Jump to content

Recommended Posts

Hello, we're having some major renovations on our house and due to that, and the fact we're moving out for the duration, we've been advised we need soecialist insurance. I've gone to a broker and the cheapest annual insurance they've quoted is almost ?1200 for the year, with no option to pro rata for the much shorter time it's likely to take. So just to ask please if anyone has had a similar experience and found a more cost effective solution please? Many thanks.

Our insurer (John Lewis underwritten by RSA) continued to provide buildings cover for our place when we moved out during renovations, they also covered our contents in our temporary place for the duration. There was no extra charge for any of this. They did ask for copies of our builder's liability insurance, copy of the contract and asked some simple questions.


The exclusions they put in place were as follows:

"We do not provide cover for: Accidental Damage

In respect to your building work the following terms will apply, whilst the work is ongoing.

? We are not providing Joint Insured status with the Contractor.

? Cover is restricted to the existing structure only.

? Loss or damage by storm is excluded whilst the property is not weatherproof.

? Loss or damage by theft, attempted theft, malicious persons or vandals is excluded unless there are signs of forcible or violent entry or exit at the property.

? Any damage caused as a result of the works is excluded.

? No cover is provided for unfixed materials

The automatic policy exclusions detailed in the policy booklet, which usually come into force when the property has been unoccupied for 60 days in a row, will come into force immediately when the property becomes unoccupied due to building works ? Freezing water in fixed water or fixed heating systems ? Water escaping from washing machines, dishwashers, fixed water or fixed heating systems ? Oil escaping from a fixed heating system ? Theft & malicious damage"


Our mortgage company were happy with this and so were we, the contractor's insurance would have covered most of the exclusions.

  • 2 weeks later...

I rang up John Lewis (my insurer) they asked for the building plans etc.. and then changed the insurance to allow for empty occupancy plus the usual covers for damage by builders..


they also wanted the JCT contract i had with my builder as it they also had insurance which would cover damage to the house..

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Latest Discussions

    • Depends on what the Barista says doesnt it? There was no physical confrontation with the driver, OP thinks she is being targetted when she isnt. These guys work min wage under strict schedules so give them a break unless they damage your stuff
    • CPR Dave, attendance records are available on Southwark's website. Maggie Browning has attended 100% of meetings. Jon Hartley has attended 65%.
    • I do hope NOT, wouldn't trust Farage as far as I could throw him, Starmer & co.  He's backed by GB News which focus's predominantly on immigration while the BBC focus predominantly on the Israel - Gazza conflict.   
    • Everyone gets the point that Corbynites try to make with the "total number of votes cast" statistic, it's just a specious one.  In 2017, Corbyn's Labour got fewer votes than May's Tories (both the percentage of votes and aggregate number of votes). In 2019, Corbyn's Labour fewer votes than Johnson's Tories (both the percentage of votes and aggregate number of votes); and he managed to drop 2.7 million votes or 6.9% of vote share between the two elections. I repeat, he got trounced by Boris F***ing Johnson and the Tories after the Brexit omnishambles. It is not true that a "fairer" electoral system would have seen Labour beat the Tories: Labour simply got fewer votes than the Tories. Corbyn lost twice. There is no metric by which he won the general election. His failure to win was a disaster for the UK, and let Johnson and Truss and Sunak into office. Corbynites have to let go of this delusion that Corbyn but really won somehow if you squint in a certain way. It is completely irrelevant that Labour under Corbyn got more votes than Labour under Starmer. It is like saying Hull City was more successful in its 2014 FA Cup Final than Chelsea was in its 2018 FA Cup Final, because Hull scored 2 goals when Chelsea only scored 1. But guess what - Chelsea won its game and Hull City lost. Corbyn's fans turned out to vote for him - but an even larger group of people who found him repellant were motivated enough to show up and vote Tory.
Home
Events
Sign In

Sign In



Or sign in with one of these services

Search
×
    Search In
×
×
  • Create New...