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Find out more about how we can cover your property whilst it's being renovated.
Accidental Damage cover isn’t always added as standard to your policy and is usually an add-on to your home insurance. It would cover you for those little accidents which can have expensive ramifications; things like bursting a pipe when nailing a nail in a wall. You can include accidental damage to most of our home insurance policies as and when you need it. If you are carrying out renovations yourself like building an extension or replacing windows and it isn’t being completed by contractors, you will need to check with your current insurance provider to confirm if accidental damage cover is still available. If trades people are entering your home you will want to inform us to update your policy. This does not cost anything extra but means you have the extra comfort of knowing everything is correctly noted on our systems. Any trades people should have insurance of their own for damage they may cause. During the time you have contractors at your property cover for theft, attempted theft and malicious damage maybe restricted unless violent or forcible entry or exit has been used.
If you’re moving out of the property for over 3 months while work is being done you may need unoccupied home insurance. In this case we can easily update your policy. Unoccupied insurance accounts for the extra risk to your home while it is vacant, if you fail to advise your insurance company that your property will be unoccupied for longer than the standard unoccupancy it could invalidate your policy. Speak with one of our advisors who will be able to update your policy then and there over the phone. You’ll want any renovations being carried out on your property to interrupt your life as little as possible; just the same, we don’t want your insurance to suffer at the hands of some temporary work being done to your home. So whatever work you’re planning our suite of property insurance policies mean you have great quality home insurance at all times.
Check out some more info on all things home, including some tips on renovation in our property hub:
These days you can buy almost anything 'off the peg' - be it clothes, shoes, kitchens, bathrooms and even houses. But sometimes it's rather satisfying to be in a position to opt for something a little different such as a made-to-measure suit, designer dress or limited edition car. It may be that you have chosen this route with your home, or perhaps even inherited a property which an insurance company will classify as 'non standard'.
The costs of buying a house means that understanding the process is vital to getting the best deal. Understand what you are looking for and when to make your offer to give you the best chance at purchasing your dream property. We have put together a a checklist that leads you through buying your first home.
Unoccupied home insurance is not simply standard home insurance with a different name. We have put together this simple guide to explain the differences and help you understand what it is you can do to stay best protected while you are not in your home.