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.

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.

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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.

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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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Custom build site being launched in East Staffordshire

A new custom build development is set to launch in Burton upon Trent.

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The first development of its kind in the area, East Staffordshire Borough Council is launching its first custom and self-build site at Lynwood Road, Branston Village, Burton upon Trent.

The site, which will be developed in three phases, comprises 25 plots – with the first phase of development of eight plots. Each of these will be available to buy with outline planning permission for a spacious three, four or five-bedroom detached home. To help with construction and development, a panel of industry professionals will be available to help purchasers design and build at Lynwood Road. This flexible approach means that prospective homeowners can opt to do as much or as little work on the project as they wish, with expert help on hand throughout. For this scheme, the council is offering fully serviced plots, starting from £85,000.

In conjunction with Custom Build Homes from BuildStore, the council is hosting an information event at Branston Golf and Country Club, 15.30-18.00, 31st January 2017, where visitors can find out more about this opportunity to build their own home in Branston Village and register an interest in one of the plots.

Councillor Patricia Ackroyd, Cabinet Member for East Staffordshire Borough Council, said: ‘We’re delighted to announce that we will be selling land for the provision of serviced building plots for self and custom built homes, on council owned land in Branston, Burton upon Trent. This is an exciting time for people in East Staffordshire Borough Council who wish to custom build their own home and we’re pleased to provide a real development opportunity in this new and growing sector. Read more ›

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Council Obligation to Provide Plots

Local planning authorities in England now have a legal obligation to service the delivery of sufficient serviced building plots to meet local demand for self-build and custom build homes under the new Housing and Planning Act 2016, which came into effect on October 31.

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Dubbed the ‘Right to Build’, the initiative is intended to help those looking to build their own homes to fulfil their ambitions.

Despite this, more than 20 out of 326 local planning authorities have still not fulfilled the requirement to assess local demand by introducing and promoting a custom and self-build demand register – a requirement that came into effect on April 1, 2016.

Guided by the National Planning Policy Framework, each local authority will need to adopt policies to meet demand for serviced plots appropriate for its own circumstances.

In the UK, just over eight per cent of homes are self/custom built compared to 60 per cent in Germany, 50 per cent in Australia and 23 per cent in the USA.

The government aims to double the number of custom and self-build homes in England by 2020. This includes the conversion of buildings into homes, and the creation of apartment blocks.

Councils can apply for an exemption where demand exceeds land availability.

References:

Self-Build and Design

 

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