Common Questions

Q. Why should I use Renovationplan over other insurance?	A. Normal house insurance generally requires you to reside permanently at the property and also likely to exclude major works being carried out. Renovationplan is designed to overcome this and in addition will provide cover for the materials on site and works being added.
Q. What type of project can you cover?	A. just about anything including both major and minor renovations, conversions and properties being extended. We can also cover both residential and commercial properties.
Q. What are the parts of the project which are covered?	A. The existing structure, the new works being added, the materials on site and if required the contents including tools.
Q. I plan to do a lot of the work myself but I am not a builder is this OK?	A. Yes this is fine. But you should also check that any contractor you do use has their own Public Liability up to £2,000,000.
Q. Is Liability cover included?	A. The policy automatically includes Public Liability of £2,000,000. If you are using contracting firms to carry out all or some of the work you should not need further Employers' Liability. If in any doubt please speak to us.
Q. Why do you offer 3 Levels of Cover?	A. By providing you with options we can offer considerably reduced premiums for those clients who feel extra covers are unnecessary and so provide a tailored policy.
Q. How can I work out the Professional Rebuild Cost?	A. If you have arranged a mortgage, this will be provided in the valuation. Otherwise it is a matter of getting professional advise.
Q. If I run over the 6 or 12 month policy period can I extend the policy?	A. Yes. We will send you a renewal invitation prior to expiry of the policy, asking if you require further cover.
Q. Can I add and remove properties?	A. Yes. Once you have a policy further properties can be added to build a portfolio of properties. You will then only be charged for the number of days that each project requires cover.
Q. Can I change the policy when the property is finished and becomes let out or my home?	A. Yes. We will note the change on the policy and will continue to cover the property until the renewal when a new Let Property or Home Insurance Policy can be arranged.