Avoiding costly self–build, extension, renovation
and home improvement project insurance pitfalls
Insurance for self-builds, renovations, conversions
and extensions...
Remember, the renovation, extension or conversion project you
are embarking on is unique, so deal with an expert that understands
that.
Insurance for self-builds, renovations, conversions
and extensions...
Home Insurance Exclusions!!
Insurance for self-builds, renovations, conversions
and extensions...
All new build projects are different, so talk to an
expert that understands that.
£220,000 Fire Loss
£492 premium
Site Insurance
Legal Expenses
Structural Warranty
New Build
Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural Warranty
ConversionExtension
Renovation
Site Insurance should be purchased when you
exchange contracts on the plot or building you
wish to renovate.
Site Insurance
New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident & Broken Bones
Legal Expenses
Has work started?
Site Insurance
Party Wall Act
Party Wall Liability
You are contractually responsible for damage
to the Party Wall so make sure it’s covered.
Arrange this PRIOR to submitting a Building
Regulation Application to SAVE money.
Structural Warranty
We can cover properties that have been
completed and require a warranty retrospectively
to sell on.
Get the warranty provider to quote for Building
Control!!
– it removes duplicated inspections and can save
you money!
Contracts Just how trusting are you going to be?
A building contract for a Self-builder is just
£19.50www.selfbuildzone.com
Claims
Some general tips...
ID Visitors/Delivery Drivers
Out of Sight out of Mind
Some general tips...Security
Health & SafetySome general tips...
Self builders will have duties under workplace health and safety law if:
a) they intend to sell the property on completion, in which case they would be considered to be a developer
b) the self builder directly employs (even if only temporarily), workers to build the property
c) they choose to manage the project taking on contractors to do the work
Health & SafetySome general tips...
Self-Build Category Application of Health & Safety at Work Legislation
Level 1Entirely DIY – not selling on completion
Level 2Self-managed with own labour & Subcontractors Level 3Self-managed with own subcontractors Level 4Kit Home with self-managed trades at the point the kit supplier hands over.
Level 5Watertight Shell with self-managed finishes at the point the contractor hands over.
Level 6Turnkey project with active client
Level 7Custom Homebuilding
Health & SafetySome general tips...
The self builder who takes on the project management role would have duties to ensure: • Health and safety risks are
properly controlled throughout the project
• Activities are coordinated to ensure the work is done safely
• Contractors they appoint are competent to do the work safely, and
• Those working on site co-operate with each other.
Practical Guidance...
HSE Website at:-www.hse.gov.uk/construction
Health & SafetySome general tips...
There are a number of well known duties under CDM which are NOT required of self builders • There is no requirement to
notify HSE of the project• A CDM Coordinator need not
be appointed• A health and safety plan does
not have to be prepared• A health and safety file does
not have to be prepared for the completed structure/building
My contractor has Insurance already, do I need Site Insurance?
FAQ
Will Public Liability be enough?
FAQ
Do I have to have Site Insurance?
• Storm Damage
FAQ
Do I have to have a Structural Warranty?
• Structural Failure
Structural repairs are expensive!
Thanks for listening, are there any questions?
We are on standK170
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