Building insurance with (DIY) public liability
 

Is there an insurance company that can provide building insurance while
renovations are being carried out.

Most of the work is being done by myself so I need it to include (or
rather doesn't exclude) a DIY public liability cover if there's any
damage to neighbouring properties or people.

Thanks.

Building insurance with (DIY) public liability
 

cucumber wrote:
Is there an insurance company that can provide building insurance
while renovations are being carried out.

Most of the work is being done by myself so I need it to include (or
rather doesn't exclude) a DIY public liability cover if there's any
damage to neighbouring properties or people.

Thanks.

If you are living there, then your standard home insurance policy (with
accidental damage?) should cover all DIY disasters including damage to
neighbouring properties. I managed to cause some damage to my neighbours
property, and my insurer said I should be covered, but stipulated that my
neighbour needed to claim off his insurance then mine would pay his insurer
(its currently ongoing, but may not reach insurance as it looks like the
damage I caused may be a lot less than originally thought).

Jon

Building insurance with (DIY) public liability
 

cucumber wrote:
Is there an insurance company that can provide building insurance while
renovations are being carried out.

Most of the work is being done by myself so I need it to include (or
rather doesn't exclude) a DIY public liability cover if there's any
damage to neighbouring properties or people.

Thanks.

many house insurance policies cover this, just ask your
present/prospective insurer.

NT

Building insurance with (DIY) public liability
 

cucumber wrote:
Just read my policy documents again (Liverpool Victoria) and I seem
to have a £2mil liability cover. DIY work isn't mentioned so I
presume I'm covered.

The works will probably take about three/four months and I won't be
moving in until it's completed - although I'll be on site almost
everyday.

Is it worth finding more a specialised insurer? Can anyone recommend
one?

Presumably you've already got a buildings policy which covers you for
having an empty property (the fact that you visit it daily is not the
same thing as living there, in insurance-speak)? Also, I suspect that
your policy won't cover you for any damage to the building incurred by
your efforts - I think there's usually small print that means that
'accidental damage' is limited to stuff like a broken window rather than
a house collapsing because the owner 'accidentally' took out the wrong
wall... I doubt you'll find a policy which does cover you for that sort
of stuff TBH, if you're not a pro tradesman. I once looked around a bit
a while ago, and couldn't find anything suitable.

David

Building insurance with (DIY) public liability
 

Lobster wrote:
cucumber wrote:

Just read my policy documents again (Liverpool Victoria) and I seem
to have a £2mil liability cover. DIY work isn't mentioned so I
presume I'm covered.

The works will probably take about three/four months and I won't be
moving in until it's completed - although I'll be on site almost
everyday.

Is it worth finding more a specialised insurer? Can anyone recommend
one?

Presumably you've already got a buildings policy which covers you for
having an empty property (the fact that you visit it daily is not the
same thing as living there, in insurance-speak)?

yes, OP must mention this else the policy would likely be invalid.


Also, I suspect that
your policy won't cover you for any damage to the building incurred by
your efforts - I think there's usually small print that means that
'accidental damage' is limited to stuff like a broken window rather than
a house collapsing because the owner 'accidentally' took out the wrong
wall... I doubt you'll find a policy which does cover you for that sort
of stuff TBH, if you're not a pro tradesman. I once looked around a bit
a while ago, and couldn't find anything suitable.

David

When I last asked they were very interested in whether I was planning
to underpin. Insurance for that has its limits, as only ones relatives
can benefit.


NT

Building insurance with (DIY) public liability
 

On 7 Aug 2006 08:37:39 -0700, wrote:

Lobster wrote:
cucumber wrote:

Just read my policy documents again (Liverpool Victoria) and I seem
to have a £2mil liability cover. DIY work isn't mentioned so I
presume I'm covered.

The works will probably take about three/four months and I won't be
moving in until it's completed - although I'll be on site almost
everyday.

Is it worth finding more a specialised insurer? Can anyone recommend
one?

Presumably you've already got a buildings policy which covers you for
having an empty property (the fact that you visit it daily is not the
same thing as living there, in insurance-speak)?

yes, OP must mention this else the policy would likely be invalid.


Also, I suspect that
your policy won't cover you for any damage to the building incurred by
your efforts - I think there's usually small print that means that
'accidental damage' is limited to stuff like a broken window rather than
a house collapsing because the owner 'accidentally' took out the wrong
wall... I doubt you'll find a policy which does cover you for that sort
of stuff TBH, if you're not a pro tradesman. I once looked around a bit
a while ago, and couldn't find anything suitable.

David

When I last asked they were very interested in whether I was planning
to underpin. Insurance for that has its limits, as only ones relatives
can benefit.


NT

Your Building/contents insurance probably will cover 3rd part
liability.
BUT
Will probably not cover damage to your own property caused by building
work, renovations or alterations.

I looked into this when renewing my policy recently and couldnt find
any mainstream insurance companies which did cover for this damage.

Robert
Robert

Building insurance with (DIY) public liability
 

You could try these people

http://www.selfbuildzone.com/?gclid=...FQa4EAodexEp4g

Jayne