Re: home insurance problem


"nullified" <null@xxxxxxxxx> wrote in message
news:naoc13pjund3bdc0h0nqutjubb7amltv87@xxxxxxxxxx
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?

You can get empty property cover. I needed to get some a while back. You
do, however, need to contact an insurance broker as it is a specialist
product, more for landlords and the like.
The Nationwide will take you on for the 60 day thing.


.

Relevant Pages

  • Re: home insurance problem
    ... My house is a 4bed bungalow worth about £150,000, and I'm ... Nope, Zurich frankly werent interested. ... 60 days cover for empty house is only somethin extended to existing ... A friend of mine has just insured his mother's empty house (she has ...
    (uk.legal)
  • home insurance problem
    ... I phoned my current buildings insurer to tell them I'm having some ... My house is a 4bed bungalow worth about £150,000, and I'm ... 60 days cover for empty house is only somethin extended to existing ...
    (uk.legal)
  • Re: Insuring a vacant house
    ... Called my insurance agent today to tell him of the ... >> harmed) he told me they will not insure an empty house & as far as he ... my mothers lawyer told her ...
    (alt.home.repair)
  • Re: US gasoline: ridiculously cheap
    ... My daughter lives in Bern Switzerland with her mom and when I arrive ... in Zurich, I take a train to Bern and a tram to her house as easily I ...
    (sci.energy)
  • Re: Insuring a vacant house
    ... Called my insurance agent today to tell him of the ... >harmed) he told me they will not insure an empty house & as far as he ... >have paid anyway if they found out it was vacant. ...
    (alt.home.repair)