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Arranging Insurance for your Renovation, Conversion, Extension or Restoration Project

Taking on a renovation project is likely to be one of the most rewarding, exciting, stressful but hopefully enjoyable times for anyone willing to take the plunge. The work can take various forms; a renovation of a tumble down cottage, to something more akin to those found on a chocolate box. A conversion of a barn, school or if you are brave enough even a church. The restoration of a listed building is a brave exploit but undoubtedly one with unique rewards.

There is no doubt, once completed the renovator will look at what has been achieved with a sense of pride and satisfaction as well as memories of late nights painting skirting boards, dealing with numerous contractors and making endless decisions.

With all this going on the last thing you need to worry about is not having your building and site adequately or correctly insured. Renovation Plan Insurance is a unique product designed to meet the needs of the renovator. Not only can it cover Renovations and Conversions of Private Dwellings but it will also cover Commercial Buildings. For example, you may need to cover a former warehouse you are converting to flats or maybe shops. Perhaps you have an old village hall in need of restoration and extension to become your home. Our Renovation Plan insurance policy really can cater for virtually every scenario.

When we designed the policy we realised that we really needed to cater for not only different projects but also different budgets. For this reason you can choose between three levels of cover, handily called Level 1, 2 or 3.

  • Level 1 cover provides the basic ‘FLEA’ cover. You may or may not have heard of this before but it stands for Fire, Lightning, Explosion and Aircraft (we also include Earthquake). FLEA cover is generally provided by Insurers when a property is unoccupied.
  • Level 2 cover will however extend cover to include the other perils of Storm, Flood, Burst Pipe and Impact Damage.
  • Level 3 will extend further to include Theft, Riot, Squatters and Malicious Damage.

Under Renovation Plan there is no need for you to occupy the site to get these extra covers.

So those are the unfortunate events that are included but what are we actually insuring. Well firstly the existing building whether it is bricks and mortar or maybe stone and slate, then there are the new materials and fixture and fittings that you are bringing in, these are generally described as the ‘new works’. One day they are a pile of bricks and the next that dream extension to the kitchen. So whether they are fixed or unfixed they will need to be insured! Other examples of items to insure are the new kitchen and its electrical appliances, the boiler and the pipes (metals are particularly attractive to thieves) or the new flooring. Whilst we appreciate that the house itself won’t get stolen it’s these items when not yet fitted that are vulnerable so we include them as standard under the Buildings Insurance section of the policy.

Every policy automatically includes Public Liability Insurance for the site and for you as the property owner. There are also options to include Hired in Plant and Employers Liability cover where you are hiring your own direct labour rather than using Contractors. These are offered as options so that we can keep premiums as low as possible and only charge extra when required.

We welcome your call and our expert staff are always happy to help talk through your renovation project. Alternatively you can buy instantly online through this website.

We very much hope that we are able to assist in arranging insurance for your Renovation, Conversion, Extension or Restoration Project as easy and stress free as possible even if the work itself won’t always be!

Best Wishes

The Renovationplan Team @ Aston Scott Ltd

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Thank you for the cover for the past year. It has given great peace of mind and I will definitely use you again for any future projects.

Julia H.
Sale

Your assistance and excellent customer service should be rewarded and I would not hesitate to recommend your company to others.

Heather Godfrey
Insurance Agent

Many thanks, as always, for your help. Your customer service is outstanding!

Amelia Prosser
Shropshire

Many thanks for your help and prompt attention today. I am impressed with the understanding you and your company has of the requirements and as soon as we have a date for exchange of contracts I will be getting in touch with you again.
Based upon our limited interaction (and in particular your help and prompt response) I will have no hesitation in recommending your company to others.

Richard Silk
W. Sussex

Thank you very much for all your help, you have a great policy which offers much better cover and is cheaper than your competitors! I am very impressed with how quickly you turned this around for me. I shall be recommending you to everyone!

Penny M.
Surrey

I would like to say that the level of service was excellent. You called back as promised, dealt with enquiries and answered my queries in an efficient and timely manner. It is, unfortunately, uncommon these days to receive good service and it made a pleasant change to deal with you and your company.

Mr Burgess
Surrey

Once again, thank you for your help and for explaining - this is very reassuring. I am very glad that I have chosen Renovation Plan to insure me on this occasion. And because of how courteous and helpful you have been, I shall ensure that all future projects are insured with yourselves.

Paul Chappell
Warwick

Many thanks for your quick reply. I'll be in touch in due course to discuss increasing the level of cover as the project progresses. It is reassuring to work with such professional brokers. Many thanks again.

Allan Jones
Wirral

You've been an excellent company to deal with. I was despairing of getting any renovation insurance through the usual channels until saw you recommended on the website and it's been very straightforward ever since! Best wishes

Lynne Pearce
Argyllshire