Our dedicated claims professionals are all trained and experienced in managing property insurance claims and are available from Monday to Friday, 8.30am to 5.30pm.
Thatched properties require specialist insurance which is why we have a specialist property team who know their stuff.
You can spread the cost of your insurance over monthly direct debit instalments.
We know that not everyone’s needs are the same so you can choose to add additional covers that are applicable to you.
Our thatched property insurance policy includes building and property owners’ liability. This protects you against subsidence, debris removal costs and architect and surveyor's fees.
One of the biggest concerns with regards to thatched housing is fire damage. This is why it is included as standard on our policies as an optional extra.
We include storm and flood cover as standard so that you can rest assured that should mother nature strike, you are protected.
We will also provide cover for your contents, this includes accidental damage to audio-visual equipment and computers.
On our policies we can provide cover for pedal cycles should you need to do so.
You can choose to add valuables and personal effects to your policy to extend your contents cover.
Accidental damage to your building and contents can also be included as an optional extra.
Thatched roof insurance is a specialist insurance policy designed for properties with a complete or partial thatched home. The policy will also cover the entire property so you don’t need a separate policy for that.
We cover reed, water straw and straw. Please speak to an adviser if you believe your roofing falls outside one of these categories.
Like with most insurance, the cost of a thatched property insurance policies varies depending on things like size and age of the home, value of building and contents and what kind of cover you require so it's very tricky to provide an estimate. If you'd like a quote just call our team on the number above with the details of your thatched home.
You receive all the standard coverage you would expect when insuring your home with our thatched roof policy. There are some considerations brought about by the 'non-standard' roofing like fireplaces/guards but our experienced advisers can go through all these details with you.
All standard policy features are included in this policy. Buildings and contents insurance is included as well as many optional extras to help tailor your cover to fit your requirements.
We offer unoccupied property insurance, but you will need to speak with our team to get your cover in place. Everybody’s circumstance are different so we will assess your situation and provide you with the best possible solution.
We would be happy to arrange appropriate cover for your listed building as well as any other non-standard considerations for protecting your property.
You will need to speak with our team to get your cover in place, everybody’s circumstance are different so we will assess your situation and provide you with the best possible solution.
A thatched roof building faces a higher risk of fire than a standard tile roof. This highlights the main difference between the two and the reason it needs a specialist policy. There is usually a different set of exclusions that go along with a thatched policy too, this is because the extra fire risk means insurers require you to have fire precautions and agree to keep the roof maintained to a minimum standard.
You will need to know answers the some or all of the following for a broker or insurer to be able to offer a quote.
The thatch depth - Is it less than a metre, between 1 and 2 or more than 2?
The type of thatch material
The height of chimney above the ridge - Less than or more than 1.8 metre
The distance from nearest fire station
Whether the property has open fires - It is possible to insure for a property with open fires but if you don't use the fire place you can have a 'solid fuel warranty. This states that no solid fuel is burnt on the property.
Home insurance has two main features aside from the thatched roof insurance. One is to cover the building and the other is to cover the things inside – ‘Buildings’ and ‘Contents’ insurance.
Buildings insurance includes the permanent structure including outbuildings, outside walls, garden including hedges and trees etc. During a quote you will be asked for the ‘re-build’ cost of your home. If your home was destroyed in an insurable event such as a fire, the claim should be able to cover you for the removal of the debris, planning of the new property and materials and labour to re-build. This being so it is vital you are not ‘under-insured’ for less than what all this would cost.
Everything inside your home that is not part of the building itself is covered under the contents insurance:
A great way to understand the difference between your ‘contents’ and your ‘building’ would be to (hypothetically of course) tip your house the wrong way up. Anything that would end up on the ceiling/floor is considered contents. This would mean furniture and decorations are contents but the walls, ceiling and kitchen cabinets come under buildings insurance. Be sure to make yourself aware of what is and isn’t covered in the contents insurance and also if anything should be insured separately.
The thatched roof must have been inspected by a thatcher within the last 10 years
Chimneys must be swept annually
No naked flames or tools producing flames be present in the attic or loft space
Two fire extinguishers must be fitted inside the property
Roof must be treated with fire retardant
The electrics in the property must have been inspected within the last 10 years.
A thatched roof policy will still cover the rest of your home in just the same way as any normal home insurance policy. Even if there are other non-standard features to your property such as:
You will need to inform the insurer at the quote stage which of the following your property has.
You can pay by credit card or monthly direct debit.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.
We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the Insurance Product Information Document and policy wording, which are available during the quotation process.
When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.
and make sure you have all your information at hand, including your policy number
on 0330 102 6062 and explain exactly what happened
to help us understand what happened as quickly as we can
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