Site Insurance & Warranties - Standard contracts on self-build, renovation and extension projects.
1. Site Insurance &
Warranties
Plus the use of standard
contracts on self-build,
•Self Build renovation and extension
•Extension projects.
•Renovation
•Conversion
•Improvement
2. Whether it’s a barn or a
house renovation it’s
definitely not a home yet
- so don’t rely on home
insurance!
Renovation Insurance
7. New Build
Site Insurance
Legal Expenses
Structural Warranty
8. Conversion
Extension
Renovation
Flat Conversion
Site Insurance
Existing Structure
Legal Expenses
Possibly a Structural
Warranty
9. Site Insurance
Site Insurance covers
Extensions, Renovations,
Conversions and New
Build projects and should
be purchased when you
exchange contracts on
the plot or building you
wish to extend.
10. Site Insurance
New Works
Public Liability
Employers Liability
Plant & Equipment
Caravan & Contents
Personal Possessions
Personal Accident &
Broken Bones
Legal Expenses
Has work started?
11. Structural Warranty Arrange this PRIOR to
submitting a Building
Regulation Application to
SAVE money.
We can cover properties
that have been
completed and require a
warranty retrospectively
to sell on.
12. Some general tips...
Party Wall Liability
You are contractually
responsible for damage
to the Party Wall so make
sure it’s covered.
13. Contracts
Just how trusting are you
going to be?
15. Some general tips...
Security
ID Visitors/Delivery
Drivers
Out of Sight out of Mind
16. Some general tips... Health & Safety
You will have duties under
workplace health and safety law if:
a) you intend to sell the property
on completion, in which case
they would be considered to
be a developer
b) you directly employs (even if
only temporarily), workers to
build the property
c) you choose to manage the
project taking on contractors to
do the work
17. Some general tips... Health & Safety
Your Involvement Application of Health & Safety at Work
Legislation
Level 1
Entirely DIY – not selling on completion
Level 2
Self-managed with own labour & Subcontractors
Level 3
Self-managed with own subcontractors
Level 4
Kit Home with self-managed trades at the point the kit supplier hands over.
Level 5
Watertight Shell with self-managed finishes at the point the contractor hands over.
Level 6
Turnkey project with active client
Level 7
Custom Homebuilding
18. FAQ
My contractor has
Insurance already, do I
need Site Insurance?
19. FAQ
Do I have to have Site
Insurance or a Structural
Warranty?
OK I’m just going to give you a few tips here on stuff that causes problems for people all the time.Party Wall Liability! This has nothing to do with a good house party, Its all to do with a useful but sometimes onerous piece of legislation called the Party Wall Act.Now Party Wall doesn't just mean the wall between two adjoining or semi detached properties. If you are likely to be within 3 meters of a party wall or at 6m distance may still undermine you neighbours foundations or be placing beams in the party wall, then Party Wall Act will apply.Nice bit of underpinning of the neighbour here – shame about this bit though Fingers crossed it all stays put eh?Be aware that some Site Insurance policies exclude this completely making you purchase an additional insurance policy called JCT 21.2.1. instead. Self-Build Zone include your contractual liability under the Party Wall Act if you inform them. Which can save you hundereds in additional premiums!Lots of information is available at the communities and local government website in a clear to read downloadable booklet and we have a leaflet which gives you the basics if you want to drop by our stand 218.
We have all heard it before – “Yes of course Mr Smith, It’s not a problem – but we haven’t quoted to include the internal doors so they will be extra .” or maybe “Oh No the price was for labour only on that bit – it didn’t include the materials”. Its infuriating when it happens – but if you weren’t specific at the outset you really only have yourself to blame.A contract is the glue that seals the relationship between a client and his contractor, consultant or supplier and it is essential to ensure that the terms of any deal are clearly written down and protect the home-owner’s interests.The interesting thing here is that legal expenses insurance is directly linked to contracts because they (in the most part) cover contractual disputes so if you can’t evidence a contract in writing the legal team aren’t going to be able to help you.Unfortunately from what we see MOST people just don’t consider using contracts and its soul destroying when they call up the legal helpline and explain that their builder has made a real hash of the build and is flatly refusing to put things write because you want to help them but as there is no evidence of a contract – you can’t legally argue for a contractual dispute.Its because of this that we have developed a suite of contracts for all elements of your project with contract specialist ContractStore. It just means that in the event something does go wrong we are going to be more able to provide legal advice and pursue a claim with a better prospect of success.But this all sounds like really expensive stuff right? So how much are we looking at? £49 + Vat. Now there are lots of place out there to get contracts – the important point is, make sure you do!For more information we have a leaflet on this too!