FAQs

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I’m going to renovate my property, how does this affect my policy?


Renovating your home can increase the risk of damage to the structure of your home, so you must let us know before the work starts.

We need to know:

  • The cost of the project.
  • The extent of renovation, e.g. adding an extension etc.
  • Whether you are using registered builders/tradespeople to undertake the work.
  • Whether your builders/tradespeople have liability insurance.

Please also let us know whether you have been advised what the property rebuild cost will be once the renovations have completed. You need to be sure that if your home will increase in size that it’s insured for the correct value, in case you need to make a claim.

Renovations will affect your policy by increasing the amount of premium payable. Also additional terms may be added to the policy and/or the level of cover could be reduced, especially if you intend to move out whilst the work is being completed.

Find out more about our renovations insurance.

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