Who is the best Non Traditional home insurance provider?  

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mattcymru
(@mattcymru)
Eminent Member Registered
Joined:5 years ago
Posts: 28
29/07/2017 8:56 am  

Who’s everyone using for insurance?

I have such a job explaining what a bisf house is every year I find it difficult for insurers to acknowledge.

My roof is fibre cement but doesn’t contain asbestos as was replaced in the 80s. It’s a right pain and you never know if you’ve got it right! 


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CoverBuilder
(@coverbuilder)
New Member Registered
Joined:2 years ago
Posts: 1
30/07/2017 11:02 am  

CoverBuilder is a specialist home insurance company who provide policies for properties that can be difficult to insure. We offer BISF home insurance policies – more details about this can be found here:

BISF Home Insurance


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Admin
(@bisfadmin)
Prominent Member Admin
Joined:8 years ago
Posts: 752
01/08/2017 1:25 pm  

Hi Matt,

take a look at a few of these older threads regarding previous insurance queries, some are from a while back but may still be relevant.

I think the biggest problem that you will face is regarding your roofing material as many insurances don’t have your type as a typical or standard material and you’ll probably need to discuss this via a phone call to them.

You can still use comparison sites as some enable non-standard insurance searches.

Homeprotect can also provide you with a quote as they do claim to be specialists in this area but I have heard of one or two cases where they have asked for a survey to be carried out first, although this practice may have stopped now.

Here’s a few links of the posts.

https://www.bisfhouse.com/non-standard-home-insurance/

https://www.bisfhouse.com/insurance/

https://www.bisfhouse.com/house-insurance/

https://www.bisfhouse.com/bisf-home-contents-insurance/


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mattcymru
(@mattcymru)
Eminent Member Registered
Joined:5 years ago
Posts: 28
01/08/2017 1:31 pm  

thanks for the response! is there any official comment from an insurer what to put down for the property type in an online quote? seem to think pre-fab/non combustible is the way to go but be nice to have this confirmed!


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Admin
(@bisfadmin)
Prominent Member Admin
Joined:8 years ago
Posts: 752
01/08/2017 10:04 pm  

Yes Matt, prefabricated Non-combustible is the correct selection for the walls. However the roofing system is a little more awkward to select online s many insurers have a drop-down list but I don’t think I’ve ever seen your type listed.

Some insurance company sales teams will pass you through to their underwriters who will be the people that you will need to speak to regarding the roof material, they should be able to give you a definitive answer on the roof classification.

Let me know how you get on.

Marc


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PaigeLewis
(@paigelewis)
New Member Registered
Joined:5 months ago
Posts: 4
23/08/2018 5:42 am  

Thanks for the help buddy.


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RobD
 RobD
(@robd)
New Member Registered
Joined:2 months ago
Posts: 2
15/11/2018 4:04 pm  

Cover Builder (taken over by a company called Source) and Home Protect (Who are advertised here) no longer insure BISF houses.  As I found out today (15.11.18),


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Admin
(@bisfadmin)
Prominent Member Admin
Joined:8 years ago
Posts: 752
16/11/2018 12:37 am  

That’s interesting Rob, how did you find out regarding Home Protect?

They are still advertising the services on their website, unless it’s a page they don’t realise is still live.


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Admin
(@bisfadmin)
Prominent Member Admin
Joined:8 years ago
Posts: 752
16/11/2018 3:40 pm  

Hi Rob, I contacted Homeprotect this morning to discuss the situation and they have stated that nothing has changed with respect to the cover they offer for Non-Traditional constructed Housing.

However, I am aware from previous comments made by other prospective customers, that Homeprotect do now insist on a Structural Engineers Report on the property before cover will be considered.

The problem with this is that if a customer has such a report already, possibly due to a recent house purchase, then this isn’t a problem but if they don’t possess such a report ( And the majority of customers probably won’t), then obtaining one, can be expensive and would push up the overall cost quite considerably.

Fortunately not every home insurance provider requests a structural engineers report, but as usual for most of us, it’s back to searching for the right provider, offering the widest cover for the best price.

In the past I had gained good results using comparison search engines such as GoCompare.

I have just undertaken a basic search with no extras for Buildings and contents for a hypothetical BISF house in the Midlands, for two adults with no children on a new for old basis and I get Rias Insurance coming out as the cheapest quote at £111.85.

Obviously prices can vary depending on the region and other factors such as previous claims etc.

I’ll post a screenshot of some of the results but obviously, we always recommend making a follow-up telephone call to verify that all the information is correct and acceptable.

When selecting the wall type of the building, prefabricated non-combustible tends to be the best choice for BISF houses.

go compare 2
go compare
gocompre 3


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Admin
(@bisfadmin)
Prominent Member Admin
Joined:8 years ago
Posts: 752
16/11/2018 3:53 pm  

Don’t forget, you can also get cashback from some insurance companies by joining sites such as Topcashback or Quidco

A few examples below.

topcashback
swinton

So if you find a company that does offer what you want, do a quick search on the Cashback sites before booking, as you may be able to claim a fair amount back in the form of cashback.

I hope this helps.

 


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