House insurance whilst extending

[Madblondedog]

So I contacted my normal insurance company to let them know we're doing some work, turns out the property wI'll be uninsured during the period the work is being done.

Has anyone managed to get house insurance that does cover the period? They've said it's because the work is over 20k in cost.

I hate the idea of the house being uninsured!

We were told it was only a problem if we were adding another bedroom, but to make sure the builder had the relevant insurances anyway. If we had been adding another bedroom we would have had to pay a premium to the insurance company. They did put a note on file though that we were having works done together with a description or what we were doing. (Axa)
Surprised they didn't talk all this through with you.

We're renewing at the moment and they said it wasn't possible. Maybe I'll give AXA a call, we're adding 2 beds and 1 bath.

We took out insurance for 6 months it cost £500!

We had similar problems. In the end we went with a subsidiary of Endsleigh insurance (forget the name but on their website it is Endsleigh and only when you ring up do you realise it's something else). They were by far the best value and we actually ended up with a Towergate policy, who were our original insurers but couldn't do it on their own terms! The Endsleigh policy terms are theirs and the underwriter agrees to provide cover to those terms.

I had to change insurer, but managed to find one that would provide cover during building work. I can't remember who now - maybe Magnet? Even if you have to pay extra, it is worth it. No way would I leave it uninsured.

Woodstock insurance brokers. Ours was also unoccupied during the work so a bit more complicated.

Some insurers we tried wanted to charge £900. Many wouldn't even quote or they wouldn't cover pretty major things like flood, theft, fire!

This was only buildings but I got a policy for about £350. I can also change it over to a normal cheaper policy for no cost when the work finishes.

I spoke with AXA who said as long as we still live there and the builder is insured it's all ok so have gone with them.

Thanks all