Comprehensive cover for home building works.
Embarking on home improvements is an exciting time for home owners, but few realise that there are usually implications for the cover provided by their home insurance. Building works can invalidate home insurance policies entirely, leaving your customers’ biggest asset potentially uninsured.
If you have a client embarking on building works to their property, Hiscox Renovation and Extension Insurance can be added onto a Hiscox 606 Home Insurance policy. Works are insured for a set time period, allowing the 606 policy to continue uninterrupted once works have been completed.
There is no need to notify us if contract works are under the value £100,000. Existing structure and liability are already covered as standard within the 606 Home Insurance Policy. However, if your client would like to receive the full cover provided by this product please contact your Regional Manager.
Key features
Hiscox Renovation and Extension Insurance has been designed to meet the needs of customers carrying out larger building works projects to their home. It offers all-risks cover for:
- Existing structure
- Contents in the home, in storage, or at another property
- Works in progress
- Plant and machinery
- Building materials
- Property owner's liability
- Alternative accommodation
- Non-negligent liabilities.
Who is it for?
For current and new Hiscox 606 Home Insurance customers. It is a simple extension to the 606 policy that is removed once the works have completed.
Why choose Hiscox?
- Continuity of cover with one insurer – no need to switch between insurers or gaps in cover.
- Policy can be in joint names with the contractor
- Cover provided for before, during and after the works have been completed
- A free post-works survey on request to assess the rebuild cost of your client’s home
- You have the reassurance of dealing with your usual 606 underwriting contact.
Documents
Policies taken out on or after 11 June 2018
- Hiscox Renovation and Extension policy wording – 18779 05/18
- Hiscox Renovation and Extension questionnaire – 5307(6) 12/22
- Non-negligent liability questionnaire – 16636(2) 12/22
- Non-negligent liability guidance document - 22313 12/22
- How to avoid water damage - best practice - 22186 04/23
Policies taken out before 11 June 2018
- Policy wording – 15952 09/22
- Policy summary - key facts – 15995 07/16
- Contractors factsheet – 15986b 09/22
- Renovation and extension insurance - Broker product guide – 15817 11/22
- Renovation and extension insurance FAQs – 16292 09/22