Where Can I Find Out When My Home Was Built, For Insurance Purposes. Uk?
Question by magic | Posted in Insurance
Just needed for home insurance quotes.
Answer: Your local Estate Agent should be able to tell you. Houses fall into catagories depending on the decade they were built in. ie: 1950s were semis with bay windows, 60s, the start of the wimpy semis, and so on. the Insurance company only need to know the approx decade not the actual date. It will be on your Deeds though.
UK Home Insurance - Will Home Insurance Cover If The House Does Not Comply To LATEST Building Control Regs?
Question by Anson Tse | Posted in Insurance
We are about to buy a house which has a loft conversion done 10 years ago. The loft conversion does not comply with the latest Building Control Regulation - Section B - Fire Safety - Mean of Escape.
It is already proved by the council that nothing is enforceable now because the conversion was the done 10 years ago.
However, i just want to ask about the home insurance problem.
Do we need to comply with the latest building control regulation in order to buy home insurance?
If not, will the insurance company pay for the damage in case of a fire? Will the home insurance be more expensive because of it? Will insurance company send someone to inspect the house before
Answer: If you ring an insurer for a quote they will ask about the construction of the property and about the type of roof etc - but I don't know of any insurer that would actually ask whether the structure complies to building regulations. Most homeowners wouldn't have a clue what the latest regs are anyway! So it won't affect your insurance.
The insurer would only send someone round to inspect the property if it was of a very unusual construction - and then you would probably need a specialist/high-risk insurer anyway.
I am with Liverpool Victoria with my car and they are by far the best. I got a very good quote from them on the internet for the home insurance.Does anybody agree with this or does anyone know of a better one?
I had been with HSBC for 4 years paying triple if the Liverpool Victoria premium and we had a water leak into the front room, they wouldn't pay, a leak into the kitchen from the bathroom and they wouldn't pay and now the integrated fridge broke down and they wouldn't pay.
Well , my fridge broke down a week ago and I am with HSBC and they are expensive and won't pay out.
So I guess I wnat one that covers leaks, broken appliances. So cheap and most
Answer: Sorry to hear of your problems with Insurance.
Most UK policies will provide cover for damage caused by escape of water (eg a leak).
The Insurance will pay for the cost to repair the damaged caused by the leak (eg water damage to carpet etc) - It will not repair the leak itself.
This would be the same situation with Liverpool Victoria.
The same applies to your fridge breakdown - Your home Insurance policy will pay to replace the damaged food caused by the breakdowm, but it will not replace or repair the fridge.
There are seperate Insurance policies available to cover the breakdown of white goods in your home (eg, fridge,
My husband and I have recently moved into an unfurnished rented house and we would like to get some home contents insurance for the first time. Can anyone give me some tips on the best provider to go with, or at least on how to pick one?!! Or if you know of any good deals at the moment, please tell me! Using comparison sites we've had quotes from £100 ro £800 and I don't know where to start! Thanks.
Answer: Mine is with Lloyds TSB for both buildings and contents and I am happy with them .. Only claimed once , 3 years ago ,, but was all dealt with smoothly and efficiently ,, Contents insurance is £104 a year This is a 3 bed terrace house , contents up to £30k .
I am a tenant in an appartment in London with my boyfriend. I'd like to know if I need to get a home insurance for this appartment and what king of insurance (building or content???). I mean, if there is a fire, a window broken or a inundation problem, do we have to pay for it or is it the landlord? Idem in case of burglary?
Finally where are the best place to get it? I tried to get some quote from diverse companies (HSBC, Tesco Insurance...) but the price was crazy: around £250 per year. Is that always that expensive in the UK? (I used to live in Paris and it was less that £40 a year for a complete cover insurance).
Many thanks
Answer: You will require home contents insurance as you do not own your building and therefore have no insurable interest in it. Typically this comes with liability as an occupier and personal liability towards others for members of your household, money and cover for certain possession outside the home. The cover can be "standard" fire flood, water damage, vandalism theft / burglary etc and then "Accidental Damage cover. Many policies include this accidental damage on certain items such as TVs computes etc in the standard package. In addition you will have some form of cover for alternative accommodation should your home become unoccupiable due to insured peril.
The premium is
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