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A self build insurance policy is there to alleviate one of the concerns that you may have if you want to consider building your own home in the UK. Fortunately there are several suitable self build insurance policies available that can cover your demands and needs - the most important sections being - public and employers liability, cover on the house itself as well as the hired in plant, and the contract works - building materials on the site. In addition you may wish to live on the site itself so often cover is available for the caravan in which you wish to live.
A self build insurance policy covers public and employers liability. If you consider building your own home in the UK, you have to cover your liability should people be injured whilst on the site e.g. children playing and you may be employing labour-only contractors for which you will require employers liability. Bona-Fide subcontractors will carry their own public liability insurance and they are not regarded as employees as they will undertake their work without direct supervision by yourself. You should always check that they do have their own public liability cover.
Self build insurance covers the property against loss or damage. Contract works insurances cover everything from the new home burning down to the theft of building materials from the site, whether inside or outside the new building. It includes vandalism and just about every other risk you can imagine. Most valuably, a policy can be endorsed for the special increase in liability cover which the council may require in respect of your drain connection or new access across the pavement. We can quote for a rebuilding cost up to £250,000 online and higher sums on application.
You may also have to increase your liability insurance sum insured if the Authority require you to do so - e.g. installing drains.
Cover is available for employees tools on site.
Plant cover is available for own plant or hired in plant, if not covered by the hirer.
For more information please use our contact form
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