Advise on home insurance while house under renovation and vacant

[imroberts]

Sorry if I've confused anyone.

My experience was that because I wasn't sleeping there, the insurers classed it as unoccupied. In my case the house was completely uninhabitable though, there was no electricity and no running water beyond the stop tap, and no toilet etc. so there's no way I could possibly have argued the point if anything did happen.

If you have the means to setup somewhere to sleep and your conditions satisfy an insurer, you might be fine with a standard policy and just sleep there once a week or once a month to satisfy whatever terms are imposed.

You'd be best off ringing your current insurers and see what they have to say.

 

[mattylad]

Ask them, what you need to do to meet the condition of the house being occupied - get it in writing.
Do that, nothing else.

 

[KenGMac]

There appears to be a lot of confusion / differing Information being discemanated by various Insurers ???

Question? would the Insurer class a property that had been flooded, an insurance claim for Flood accepted by the Insurer [with me so far??]

The family have to move out, being placed in accommodation paid for by the Insurer for [lets say] 9 months ?

The property is not habitable, [the insurers Contractors are ripping it apart] the Policy Holder cannot "reside" or "sleep" in the property

Will the insurer then invoke the un-occupancy clause?

Also the policy Holder will not visit very often, officially say 3 or 4 tiles in the 9 Months??

 

[bernardgreen]

For what it is worth............

would the Insurer class a property that had been flooded,

When we were building and living on site in a caravan the babbling brook became a raging torrent and flooded the site.

These pictures were taken sometime after the peak ( which was more than 12 inches deep inside the caravan ). The insurers were very good and paid for everything other than items inside the caravan. It was after all a builders insurance policy and not "domestic buildings" insurance. If the building had gone beyond the insured period then the renewal premium would have been a lot higher.

 

[Jonny Vee]

Hi again had a look at the policy its actually with SAGIC (https://www.sagic.co.uk/) which is part of the salvation army you may be able to go direct for a quote and avoid a broker fee

After half an hour waiting for someone to speak with me they turned up on saying we only offer unoccupied insurance to an existing customers.

 

[Jonny Vee]

What about Sainsbury's bank insurance? price seems reasonable

 

[KenGMac]

Here is one insurers take on this, as an aside SAGIC in my opinion are well out of touch??? with the realities of actual people living their lives??

https://www.towergateinsurance.co.uk/home-and-property-insurance/unoccupied-home-insurance-guide

 

[domdee]

www.protekselfbuild.co.uk have been recomended to me today if you havent got sorted yet.

 

[Jonny Vee]

www.protekselfbuild.co.uk have been recomended to me today if you havent got sorted yet.

Are they expensive?

 

[domdee]

havent ran the quote yet. you have to sign up to do so. im not in a position to start yet so havent bothered.