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Insurance
for Self Build
Warranties -if you are buying
a new house, be sure to demand a warranty from NHBC, whose Buildmark
warranty protects 85% of new houses in the UK, or something comparable.
Likewise, if you are a self builder you will similarly need a
warranty, both to achieve funding and should you sell the property
on.
Self builders will need to
take out Building Site Insurance, covering the part complete
building, the site, materials and equipment, employers liability
and third third party risks. Building sites are notoriously prone
to accident, and the last thing you need is to answer a personal
claim while you are struggling to complete your project.
Self Build
Warranties:
- NHBC -leading provider of warranties for
new houses
- NHBC Solo -warranty for self build projects -this may
form part of your martgage arrangement.
- Premier Guarantee
-leading warranty and insurance provider for new homes including
self build projects.
- Self-Build
Zone -specialise in
self-build Structural warranties which do not require additional
inspections and include legal expenses and environmental impairment
liability at a competitive premium.
- Zurich
-building guarantees, including warranties for self builders.
Building
site insurance:
- DMS Selfbuild
-a specialist insurance broker founded in 1965 by Murray Armor
who also wrote one of the industry's leading selfbuild titles.
- Project Builder
-public liability, employers liability and contractor's all risks
insurance.
- self-builder.com -self build finance and insurance.
- Self-Build
Zone -offer 18 or 24
month site insurance policies.
Home Insurance
Household insurance in the
UK covers two areas -the building itself, and its contents. Typically
a policy will cover fire, flood, subsidence, accidental damage,
breakage, theft etc -checking the small print to see exactly
what you are covered for. The cost of cover depends upon a number
of criteria -value of the property, whether you are detached,
semi or terraced, location (London is the most expensive). Make
sure the amount insured covers the full cost of renovation, including
things like architects fees -the time you have to make a claim
is not the time you want to be worrying about this.
There are a
huge number of banks and insurance companies offering house and
contents insurance. We have listed a few of the major providers
below, but do suggest you shop around. For information on ethical
policies have a look at EIRIS
or NatureSave.
- Barclays Home Insurance -home insurance bookable online with a major
high street bank.
- Churchill -home and contents insurance with discounts
to online buyers from one of the UK's leading insurance companies.
Shame about the irritating dog.
- Co-operative Bank -insurance products from the bank with a strong
ethical policy. based on customers' views on a range of ethical
issues from human rights to the environment.
- Direct Line -leading UK online insurer offering a wide range
of financial products -the website www.directline.com offers
an online quote and buy process.
- Lloyds
TSB home insurance
-search for home insurance with Lloyds at insurance.co.uk .
- NatureSave
-ethical insurance intermediary offering personal and commercial
insurance policies.
- Norwich Union -UK home insurance quotes available online with
a 10% discount from Norwich Union Direct.
- Swinton
-home insurance online.
- Zurich Home Insurance -buildings and contents insurance from one of
the world's largest financial services groups.
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Sponsored
links:
  BuildCare site insurance
- Featured
books:
- Location Location Location:
The Complete Guide to Buying and Selling your Home
- Fanny Blake
- Paperback - 256 pages TV Tie-in
Ed (7 September, 2002)
- Channel 4 books
- Price in UK pounds
in association
with
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Cooperative Insurance
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