FAQ's

Q. Why should I use Renovation Plan 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. Renovation Plan 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 as well as new build projects. 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 Contents, Machinery and 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 of not less than £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. All-risks cover can be stipulated as required under some contracts such as JCTs. When this is the case, our most comprehensive cover is required.

Q. Why would you offer the Renovtion Plan Premier Plus product instead of the standard product?

A.  Renovation Plan Plus can cover larger projects where higher Buildings and Works limits are needed. It is also appropriate where you have entered into a JCT contract which requires a joint name policy with the contractor or you requie 'All Risks' cover. Renovation Plan Plus can also cover projects where there is a basement excavation or major demolition works.

Q. How can I work out the Professional Rebuild Cost?
A. If you have arranged a mortgage, this should be provided in the valuation. Otherwise it is a matter of getting professional advice.

Q. How long should I request for my policy length?
A. We can offer quotes for any length between 3 - 36 months. We recommend adding around 20% to your contract period to estimate the length of the project as an average project will overrun by this amount. If you finish the project before your expiry date, we'll offer a pro-rata return premium subject to a cancellation fee.

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 look to offer a new Let Property or Home Insurance Policy, depending on your needs. A return premium will be given for any unused period of insurance.

Q. Who are Aston Lark?
A. Aston Lark is an independent insurance broker who arrange and administer the Renovation Plan products on behalf of underwriters at Lloyds of London.

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

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

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

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 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

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

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

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