Ask the builders to arrange for the property to be covered whilst they are
working on it. They can do this. Make sure that they give you a copy of the
|I phoned my current buildings insurer to tell them I'm having some
| works done. My house is a 4bed bungalow worth about £150,000, and I'm
| about to move out while my builder starts work. In 16-18 weeks, I'll
| be able to move back, into my now twice as large bungalow with 5 beds
| and now (hopefully) worth about £220,000. Doesn't sound that
| difficult, does it?
| Nope, Zurich frankly werent interested. After 60 days had elapsed with
| me not living there, my cover would all but disappear (apparently I
| *would* still be covered for global pestilence or something). No
| problem, says I, I'll simply move back in *before* the 60 days are up.
| Then I'll spend enough time there for the insurance company to be
| happy again, and then I'll move back out till the rest of the work is
| done. How long do I need to stay then? Well, "indefinitely", according
| to Zurich. Once my 60 days are up, even spread over more than once
| occasion, it seems I'm done. I'm not entirely sure I'm ever allowed to
| leave the building again.
| So, having cut my nose off to spite my face and told Zurich where to
| carefully insert my cover, I now began phoning other people looking
| for someone who has some sense. Ummm, no. Sorry, but it seems even the
| 60 days cover for empty house is only somethin extended to existing
| customers, not new ones. Nobody wants to offer cover. What I need is
| buildings and contents cover for my house as it is now, since at the
| moment, ahem, I'm not insured. Then, in four months or so, I want my
| cover to increase to match the new larger house. And if its at all
| possible, I'd really like whatever cover someone would like to offer
| for the four month period between the two.
| It really cant be that hard, can it? After all, many many people have
| extensions all the time - who do they insure with? And I reckon at
| least *some* of them actually move out while work is being done!
| Anyone have any suggestions?