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Frequently Asked Questions
Why should I choose Self-Build Zone over another provider?
Self-Build Zone offers some of the most comprehensive cover available in the
market and has the widest choice of products. We are the only provider combined
Site Insurance & 10 Year structural warranty provider.
Who underwrites the policy?
The 12 Month, 18 Month, 24 Month and Flexi-Extend Site Insurance products
are underwritten by Catlin Insurance Company Limited.
The 10 Year Structural Warranty is underwritten by Mitsui Sumitomo Insurance
Underwriting at Lloyd's Ltd (A+ rated on A.M.Best).
The legal aspect of all site insurance is underwritten by Primary Insurance
Company Limited.
What do I do in the event of a claim?
If you feel you might need to make a claim please phone our advisors on +44 (0)845 230 9874. Please see your policy schedule document for excesses. If you are unsure
whether you need to make a claim, please call and you will be advised
accordingly. A record is kept of all dates and times of calls so your claim can
be fairly assessed as quickly as possible.
I am using one main contractor from
the beginning of the project right until the end; do I need site insurance? As
soon as you purchase your plot of land you are responsible for the wellbeing of
anyone that goes on it. The implications of this is that if, for example, a
child enters your site without your permission and breaks their leg, or worse,
you could be liable. You should always check with any contractor whether they
are holding their own insurance and what it covers them for. You might find
something excluded, for example the theft of your own tools and equipment from
the site.
Are there any security measures I need to implement in order to be covered
under your policy?
No there aren’t any additional steps that are required in order to be
covered under our Site Insurance policy. However, it is important that you
follow Health, Safety and Welfare Regulations 1996. It is in your interest to
protect your site, materials and tools from theft and therefore it is up to you
if they are locked up. If you purchase the Self-Build Zone policy you will
receive a comprehensive Health and Safety Guide (free) which will advise you of
the measures that can be taken to reduce or prevent trespassing and accident on
your site.
I am doing a lot of the work myself but I am not a qualified builder or NHBC
registered: can I still be covered under your policy?
Yes. There are no qualifications required to be involved with a Self-Build Zone
project.
Is site insurance the same as a 10 Year Structural Warranty?
Site Insurance and a 10 Year Structural Warranty are entirely different
forms of insurance. Site insurance protects you during the build process and a
10 Year Structural Warranty starts from the date the build is completed. For
more information please contact our sales team on +44 (0)845 230 9874.
What is covered on the existing structure element of the policy?
It is very important that you protect the existing structure of any conversion,
renovation or extension. Often a substantial amount of the build is existing
structure and it is important that it is protected from similar perils to the
new works. Occasionally you are able to purchase Aircraft, Fire and Explosion
Cover only for existing structures but in most cases this is not adequate. The
Self-Build Zone policy provides Consequential Damage Cover for all existing
structures. This means that you are covered if the existing structure is damaged
by new works.
Who is / can be covered under the policy?
Your immediate family is covered automatically under our site insurance
policy. You can add additional family or friends at no extra cost. There is no
need to list all the contractors who will be working on the site as they will be
covered under Employers Liability.
Is site insurance a legal requirement?
It is not a legal requirement to have site insurance but it is always
advisable to think about the worst thing that could happen during the build and
think about the financial implications that it would have. For example, without
insurance, if your new house burnt down a week before you move in, who is going
to pay to rebuild it?
Do you cover new builds, conversions, renovations and extensions?
Yes, we are able to cover almost any type of building including green oak,
straw bale and chapel conversions, barns, new builds, extensions and
renovations. |
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