BuildCare Site and Renovation Insurance
Nothing in life is guaranteed and sometimes things can go wrong no matter how well we plan. As a self builder or renovator there are three main reasons why you need protection for you and your project:
- As soon as you purchase a plot for self building or a renovation project you become liable for any injuries to members of the public on your site and by law you must have adequate insurance.
- If you are taking out a mortgage to fund your project your lender will not release any money without proof of site insurance being in place.
- If you encounter problems during your project, such as flooding or vandalism site insurance could mean the difference between a completed project and an abandoned site with disastrous financial implications for you and your family.
BuildCare Site and Renovation Insurance has been developed by BuildStore in conjunction with insurance giant Zurich Insurance Services and provides cover for all aspects of your site:
- Public and Employer’s liability
- Building works and materials
- Plant tools and equipment
- Site huts and temporary buildings (including caravans)
- Existing structure (for renovation projects)
- Optional extension for personal accident cover is available
- Legal expenses
All lenders will insist that you have adequate site insurance in place before they will release any funds so it is crucial to arrange your policy as soon as possible. Our cover is highly competitive and great value for money so call now for a personalised quote and start protecting your future with BuildCare.
Period of Insurance
The period of insurance is 18 months. If the build or renovation is not complete within this time, cover can be renewed in three or six monthly intervals for up to a further year.
Excesses
A £250 excess applies to all claims under the 'Property' section and in the case of personal tools and effects, the first £50.
FREE buildings and contents cover
If your build is complete within the 18 months you will receive cover for the building plus £5,000 contents insurance at no additional charge for the remainder of the 18 month term.
The main features of the cover are outlined below. Click here to use our online site insurance calculator for a tailored quote based on your project.
Call 0845 223 4888 to speak to an advisor or request a call back online.
Lines are open between 8.30am and 7.00pm Monday to Thursday, 8.30am to 5.00pm on Friday and 10.00am and 4.00pm on Saturday.
| Initial release of funds | Sum insured limit of indemnity | Included as Standard | Optional extensions |
|---|---|---|---|
Public liability |
£5 million | yes | - |
Employer’s liability |
£10 million | yes | - |
Building in the course of construction |
Cost of reinstatement | yes | - |
Plant, tools and equipment (owned by the insured) |
£30,000 (£20,000 maximum article limit) |
yes | - |
Property hired by insured |
£30,000 (£20,000 maximum article limit) |
yes | - |
Site huts, temporary buildings and caravans |
£30,000 | yes | - |
Contents cover for site huts, temporary buildings and caravans |
£5,000 | yes | - |
Personal accident |
£10,000 | - | yes |
Legal Expenses |
£50,000 | - | |
Existing Structure |
Value of existing structure | - | yes |
Buildings and contents cover if build completes within 18 months |
Cover for building plus £5,000 cover for contents for the remainder of the 18 month term | yes |
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