Frequently Asked Questions

Why should I use Renovation Zone over another provider?
Renovation Zone offers some of the most comprehensive cover available in the market. This means you are covered for a wide range of perils. Our premiums are competitive and our advisors have a wealth of experience for you to draw on.

Who underwrites the Policy?
The ‘Major Renovation’ package is underwritten by Catlin Insurance Company Limited. Catlin is rated ‘A’ (Excellent) by A. M. Best.

The Legal Expenses is underwritten by UK Underwriting Limited, on behalf of AXA Insurance (UK) plc.

What do I do in the event of a claim?
Full claims instructions are included within the policy document and helplines are available. Essentially, you need to advise us as soon as possible.

My contractor has his own insurance. Do I need site insurance?
You need to ensure the whole project, including the building, is covered all the way through from Exchange of Contracts right up to the point you move in (when you can arrange Home and Contents cover with us if necessary). You also need to make sure you have a formal contract in place stipulating the cover required, and you also need to see the contractors’ original insurance policy. If you are not sure, we suggest you contact us.

Are there any security measures that I need to implement in order to be covered?
No. We don’t stipulate minimum security requirements but a common sense approach should be used as there is a duty of care to be observed to insurers. Obviously the policy carries an excess, and vandalism or the theft of a kitchen or an item of plant will slow down your project, so you need to get the balance right.
You are likely to have responsibility for site safety under the Construction (Health, Safety and Welfare) Regulations and this may involve considering site security. Our policy pack includes information to help you comply with the legislation.

I plan to do a lot of the work myself but I am not a builder. Is this OK?
Absolutely. You will need the ‘Major Renovation’ package.

How can I work out my Professional Reinstatement Cost?
If you are funding your renovation with a mortgage, this will be stipulated by the valuer, otherwise it is a matter of getting a quote for the whole job from a builder or using the services of a professional.

I am doing a conversion. Can you insure me?
Yes we can please visit our sister operation Self-Build Zone www.selfbuildzone.com. It’s important that both the new renovation/conversion works and the existing structure are covered.

Who is covered on the policy?
Those financially involved. Call one of our advisors if you need advice in this respect.

Is insurance a legal requirement?
It depends on the nature of your project. If for example you are hiring labour-only subcontractors, you will require at least £5,000,000 Employers’ Liability cover in place.
Our ‘Major Renovation’ policy provides you with £10,000,000 cover.

What type of project can you cover?
Just about anything. If you are not sure about your particular project, just give us a call on 0845 230 9874 or send us an e-mail to sales@renovationzone.com

If you have any other questions, or would like to discuss your specific requirements, call us today on 0845 230 9874