STRUCTURAL WARRANTY

Our 10 year Build-Zone Structural Warranty product will protect your completed home against a defect in the design, workmanship or materials.

SITE INSURANCE

Self-build Site Insurance is essential for anyone planning an Extension, Renovation, Conversion or New Build.

CONTRACT STORE

A contract is the glue that seals the relationship between a client and their contractor, consultant or supplier and is crucial for your project.

A hole in building insurance cover that could leave millions out of pocket

If your pipe bursts and causes damage to a neighbour’s house, your policy might not pay out if you have bought home rather than contents cover.

building insurance

How would you feel if you received a scary letter from an insurance company accusing you of “negligence” and saying you were legally responsible for paying for repairs to your neighbour’s house?

That’s what happened to 82-year-old Sabata Picone after water leaked from her property into the house next door. The letter she received said that “you have failed in your common-law duty” to prevent damage to someone else’s property and wanted to know how she intended to pay the bill, which could potentially run into hundreds or even thousands of pounds.

The letter was from her neighbour’s insurer, Direct Line. Picone has insurance with Aviva and assumed she would be OK. After all, isn’t a bit of water damage from a burst pipe precisely the sort of thing that home insurance is supposed to cover? However, Aviva refused to help with the claim for the neighbour’s damage, saying that because Picone had buildings cover only, and not contents insurance, she wasn’t covered for “third party liability”. Read more ›

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Wimbledon home undergoing two-storey extension COLLAPSES overnight

A luxury home on an exclusive road near Wimbledon collapsed in the middle of the night, leaving windows shattered and debris littering the site.

extension insurance

The millionaires’ row home, next to Richmond Park, had been undergoing renovations and reportedly collapsed after work in the basement was not properly supported.

Council plans show the owner was seeking to remove a swimming pool and build a two-storey side extension.

Councillor David Cunningham said the owners had only applied for building regulation permission two days ago and ‘therefore carried out works without our guidance and approval.’

Councillor David Cunningham, who has responsibility for regeneration in Kingston, said: ‘The owners of this building submitted a building regulations application just two days ago and have therefore carried out works without our guidance and approval. Read more ›

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Meet the Self-Build Insurance experts at the Homebuilding & Renovating Show 2017

Self-Build Zone will be exhibiting at the National Homebuilding & Renovating Show in Birmingham this month. Make sure you come over to the NEC from the 23rd till the 26th of March to attend the go-to exhibition for self-builders and renovators.

HBR

Self-build specialists, renovation experts and leading brands are all under one roof at the National Homebuilding & Renovating Show this month. Self-Build Zone Insurance are pleased to announce that they will be exhibiting once again, sharing their knowledge and expertise on insurance for your project.

Whether you are mid-way through a project or don’t know where to start, the Homebuilding & Renovating Show is brimming with bright ideas. This show will ensure that you can get face-to-face consultations, specialist Masterclasses and hundreds of products – all under one roof.

Building or creating a home, either from scratch or as a conversion or renovation project can be one of the most rewarding challenges of your life.  The type of project you are embarking on will invariably involve a significant amount of investment, so ensuring you have the correct level of cover in place is essential. Read more ›

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Choosing Insurance for a Self-Build, Renovation or Conversion project

The tricky part is getting the right sort of insurance. Many people carrying out a Self-build or renovation project believe that their builders and contractor will have insurance to cover the project or that a home insurance policy will cover a property that is undergoing a renovation. This simply isn’t the case.

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Don’t just think that any old insurance company can give you cover either – they really can’t and in most cases, haven’t got a clue what you really need anyway. There are only a handful of suppliers able to provide you with the advice you need and the product that you are looking for.

So, let’s clear up some myths.

“My Contractor has Public Liability insurance, so I’m covered” – No you’re not. Public Liability covers the contractor or tradesmen against his liability to you for a negligent act error or omission and you must prove their negligence. What it doesn’t cover is your property that is damaged by accident, a fire, flood, storm, etc. or any of your property that is stolen from your site. You will have no cover if you cause an injury to someone or damage a neighbour’s property.

“My contractor has Contractors All Risks Cover, so I’m covered” – Possibly. So long as the contractor has a valid ‘Contractors All Risks’ insurance policy, with a limit that meets or exceeds the full rebuilding cost of the project, there is a written contract between both parties stating that they are responsible for the whole project to the point of handing you the keys to a completed property, you should be OK. However, if that contractor is building the shell and you are taking over from there, you will have no cover when they have left the site.

Conversions, Renovation or Extension all involve an element of Existing Structure that needs to be correctly insured. For example, the house that’s being extended, the barn prior to conversion works and so on. It’s important that the existing bit gets correctly insured and this is especially true where an extension or remodelling project is concerned. The misconception is that your home insurance covers the extension works during construction – in fact most home policies exclude alteration and renovation as standard. If you advise your home insurer they may offer you some cover but only on a named perils Fire, Lightning, storm etc. basis so a collapse while knocking through won’t be covered. Read more ›

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Insurance premiums ‘set to soar’ after compensation changes

According to a recent article published by the BBC, average car insurance premiums could increase by up to £75 a year as a result of a government ruling, industry experts have said.

insurance premiums

A new formula for calculating compensation payments for those who suffer long-term injuries has been announced by the Ministry of Justice, however, the Association of British Insurers (ABI) called the decision “crazy”.

The Ministry of Justice said it had no choice under the current law, and said it would consult on possible changes. Shares in insurance companies fell, with some saying that profits would be hit by millions of pounds.

The change is due to take effect from 20 March. Read more ›

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