Non standard construction insurance

Insurance cover for non standard properties

If your home or property is of non standard construction, then this specialist insurance policy may well be for you. Our non standard construction insurance policy insures your home or property in the following circumstances:

• Timber framed properties
• Steel framed properties
• Eco homes
• Essex, cob, wattle and daub (made from a combination of wet soil, clay, sand, animal dung and straw)
• Non combustible pre fabricated
• Properties in conservation areas
• Stramit
• Flat roofs - various types of construction
• Properties with shingle roofs

Key features of our non standard construction insurance

• We insure properties of non standard constructions - unlike mainstream insurance providers
• If your property is listed or very old, we have a policy to suit you
• We will provide alternative accommodation should your home become inhabitable
• Home assistance cover and legal protection is provided up to £25,000
• Accidental damage to fixed glass, sanitary fixtures and fittings and electrical equipment
• Tracing and accessing leaks up to £5,000

Exclusions

• If unoccupied after 30 days no cover for malicious damage, theft or escape of water
• Storm damage to fences, gates or hedges
• Damage caused by wear and tear and depreciation
• Malicious damage caused by person lawfully in the home
• Loss or damage occurring while home is let or sublet, unless involuntary forcible and violent entry to or exit from the home
• The first £250 for escape of water claims, £1,000 for subsidence/heave/landslip claims and £50 for all other claims

Policy documents

• Insurance policy summary (PDF 35.4kb)
• Insurance policy wording (PDF 391kb)
• Insurance quotation form (PDF 135kb)
• Terms of business (PDF 80kb)