BuildStore site insurance
standard cover provided

Property

'All Risks' cover for the self build or renovation project including:

• Building works, temporary works and materials whilst on site (including in transit thereto)
• Plant, tools and equipment owned by the insured – limit £30,000 (maximum single article limit £20,000)
• Site huts and temporary buildings and residential caravans – limit £30,000 plus £5000 contents cover
• Property hired in by the insured – limit £30,000 (maximum single article limit £20,000)

Existing structure

• Where a property is being renovated or converted, cover can be extended to include the existing structure (cover may be restricted).

Liabilities

Public liability cover is provided in respect of the insured’s legal liabilities for death, injury or disease to third parties.

The cover provided is:

• Public liability - £5m for any one event

Employer’s liability

Cover is provided in respect of the insured’s legal liability for bodily injury, death or disease to employees or labour only subcontractors, arising out of and in the course of their employment, by the insured in connection with the self build or renovation project.

• Limit of indemnity - £10m for any one occurrence

Personal accident (optional extension)

Building or converting a home presents a multitude of potential hazards and unfortunately accidents resulting in injury or even death can happen. The following basic cover can be included as an option for a small additional cost:

£10,000 cover in respect of:

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 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 employee’s personal tools and effects, the first £50.

FREE buildings and contents cover

If your build is complete within the 18 months you receive three months buildings and £5,000 contents insurance at no additional charge from the end of the build. For example, if your build is finished in 17 months you will have three months buildings and contents cover extending the term of your policy to 20 months.

Health and safety

Health and safety on a building site is very important and once you have exchanged on your plot of land you can be held responsible in the event of injury to any person (even if they are trespassing) or loss or damage to material property. So arranging site insurance including public liability is essential at this early stage.

A copy of the BuildCare health and safety guide will be provided to you free of charge when you call for a quote on 0870 870 9991.

Insurer

	BuildCare site insurance and personal accident cover is insured with Zurich Insurance Company and is arranged by Holbrook Insurance Brokers Ltd who are authorised and regulated by the Financial Services Authority. Read on to find out more about the Legal Expenses cover provided through BuildCare or call for a quote on 0870 870 9991.
BuildStore is authorised and regulated by the Financial Services Authority