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Advise on home insurance while house under renovation and vacant

Discussion in 'Your Projects' started by Jonny Vee, 21 Feb 2020.

  1. imroberts

    imroberts

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    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.
     
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  3. mattylad

    mattylad

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

    KenGMac

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    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??
     
  5. bernardgreen

    bernardgreen

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

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

    upload_2020-2-22_20-45-6.png

    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.
     
  6. Jonny Vee

    Jonny Vee

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    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.
     
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  8. Jonny Vee

    Jonny Vee

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    What about Sainsbury's bank insurance? price seems reasonable
     
  9. KenGMac

    KenGMac

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  10. domdee

    domdee

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  11. Jonny Vee

    Jonny Vee

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    Are they expensive?
     
  12. domdee

    domdee

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

    DIYnot Local

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