Avoiding costly Extension, Home Improvement and

Renovation project insurance pitfalls

• Extension• Renovation• Conversion • Improvement• Self Build

Whether it’s a barn or a house renovation it’s

definitely not a home yet - so don’t rely on home

insurance!

Renovation Insurance

Home Insurance

EXCLUDES

this!

Extension Insurance

Home Insurance Exclusions

Remember, the project you are embarking on is unique, so deal with an expert that understands

that.

Self-Build Insurance

£270,000

£561 premium

Site Insurance

Legal Expenses

Structural Warranty

New Build

Site Insurance

Existing Structure

Legal Expenses

Possibly a Structural Warranty

ConversionExtension

RenovationFlat Conversion

Site Insurance covers Extensions, Renovations,

Conversions and New Build projects and should be purchased when you exchange contracts on the plot or building you

wish to extend.

Site Insurance

New Works

Public Liability

Employers Liability

Plant & Equipment

Caravan & Contents

Personal Possessions

Personal Accident & Broken Bones

Legal Expenses

Has work started?

Site Insurance

Arrange this PRIOR to submitting a Building

Regulation Application to SAVE money.

Structural Warranty

We can cover properties that have been

completed and require a warranty retrospectively

to sell on.

Party Wall Liability

You are contractually responsible for damage

to the Party Wall so make sure it’s covered.

Some general tips...

Claims

Some general tips...

ID Visitors/Delivery Drivers

Out of Sight out of Mind

Some general tips...Security

Health & SafetySome general tips...

You will have duties under workplace health and safety law if:

a) you intend to sell the property on completion, in which case they would be considered to be a developer

b) you directly employs (even if only temporarily), workers to build the property

c) you choose to manage the project taking on contractors to do the work

Health & SafetySome general tips...

Your Involvement Application of Health & Safety at Work Legislation

Level 1Entirely DIY – not selling on completion

Level 2Self-managed with own labour & Subcontractors Level 3Self-managed with own subcontractors Level 4Kit Home with self-managed trades at the point the kit supplier hands over.

Level 5Watertight Shell with self-managed finishes at the point the contractor hands over.

Level 6Turnkey project with active client

Level 7Custom Homebuilding

My contractor has Insurance already, do I need Site Insurance?

FAQ

Do I have to have Site Insurance or a Structural

Warranty?

FAQ

Thanks for listening, are there any questions?

We are on stand

D65