Avoiding costly self–build, extension, renovation

and home improvement project insurance pitfalls

Insurance for self-builds, renovations, conversions

and extensions...

Remember, the renovation, extension or conversion project you

are embarking on is unique, so deal with an expert that understands

that.

Insurance for self-builds, renovations, conversions

and extensions...

Home Insurance Exclusions!!

Insurance for self-builds, renovations, conversions

and extensions...

All new build projects are different, so talk to an

expert that understands that.

£220,000 Fire Loss

£492 premium

Site Insurance

Legal Expenses

Structural Warranty

New Build

Site Insurance

Existing Structure

Legal Expenses

Possibly a Structural Warranty

ConversionExtension

Renovation

Site Insurance should be purchased when you

exchange contracts on the plot or building you

wish to renovate.

Site Insurance

New Works

Public Liability

Employers Liability

Plant & Equipment

Caravan & Contents

Personal Possessions

Personal Accident & Broken Bones

Legal Expenses

Has work started?

Site Insurance

Party Wall Act

Party Wall Liability

You are contractually responsible for damage

to the Party Wall so make sure it’s covered.

Arrange this PRIOR to submitting a Building

Regulation Application to SAVE money.

Structural Warranty

We can cover properties that have been

completed and require a warranty retrospectively

to sell on.

Get the warranty provider to quote for Building

Control!!

– it removes duplicated inspections and can save

you money!

Contracts Just how trusting are you going to be?

A building contract for a Self-builder is just

£19.50www.selfbuildzone.com

Claims

Some general tips...

ID Visitors/Delivery Drivers

Out of Sight out of Mind

Some general tips...Security

Health & SafetySome general tips...

Self builders will have duties under workplace health and safety law if:

a) they intend to sell the property on completion, in which case they would be considered to be a developer

b) the self builder directly employs (even if only temporarily), workers to build the property

c) they choose to manage the project taking on contractors to do the work

Health & SafetySome general tips...

Self-Build Category Application of Health & Safety at Work Legislation

Level 1Entirely DIY – not selling on completion

Level 2Self-managed with own labour & Subcontractors Level 3Self-managed with own subcontractors Level 4Kit Home with self-managed trades at the point the kit supplier hands over.

Level 5Watertight Shell with self-managed finishes at the point the contractor hands over.

Level 6Turnkey project with active client

Level 7Custom Homebuilding

Health & SafetySome general tips...

The self builder who takes on the project management role would have duties to ensure: • Health and safety risks are

properly controlled throughout the project 

• Activities are coordinated to ensure the work is done safely 

• Contractors they appoint are competent to do the work safely, and 

• Those working on site co-operate with each other.

Practical Guidance...

HSE Website at:-www.hse.gov.uk/construction 

Health & SafetySome general tips...

There are a number of well known duties under CDM which are NOT required of self builders • There is no requirement to

notify HSE of the project• A CDM Coordinator need not

be appointed• A health and safety plan does

not have to be prepared• A health and safety file does

not have to be prepared for the completed structure/building

My contractor has Insurance already, do I need Site Insurance?

FAQ

Will Public Liability be enough?

FAQ

Do I have to have Site Insurance?

• Storm Damage

FAQ

Do I have to have a Structural Warranty?

• Structural Failure

Structural repairs are expensive!

Thanks for listening, are there any questions?

We are on standK170