If you are having work carried out on your property you must have an agreement in place with the contractor or project manager/architect as to who will provide insurance cover whilst the work is being undertaken. Ideally this agreement should be in place prior to work commencing.
If the contractor is not able to provide cover it may be possible to arrange this with your home insurer depending on what type of work is being carried out. However, they may wish to impose additional terms or exclusions to the cover while work is being carried out.
It is important that you make your insurers aware of any work that is being carried out, or that you plan to carry out on your property regardless of whether you require them to provide you with additional cover.
If neither your contractor nor your existing insurer can provide cover for the property we do have access to specialist insurers who will arrange a policy for the duration of the works, special terms may apply. Please contact us on 01224 848222 if you require a quote for this type of cover or if you have an existing policy with us and are about to undertake work on the property.
