I suppose it might have been an idea to get site insurance before we had the foundations more or less complete.
We’ve have third party liability insurance on the plot since the beginning (a extension from an existing policy that we have for a woodland – it’s miles away but it cost us no extra to have the plot on the policy) so I think I had that box ticked in my mind and thought no more about it.
It was only when I was trying to work through the box-ticking exercise , which is seeing if you qualify for an interest free loan to install renewables, that my mind was tweaked: having self-build insurance was one of the ways to prove that you were a self-builder to enable you to get the grant.
‘Oh. Self Build insurance? Ah. Better get some’
So I spent the morning in the phone to various companies. Mostly to sales folks
Them ‘What kind of heating will the house have”
Me ‘air source heat pump’
Them ‘can you explain?’ (I do my best but perhaps go too far into the idea of a reverse fridge and the principles of squeezing a gas to make it hotter and confuse her)
‘Well I’ve never come across that before’ she said at last.
Another hadn’t heard of SIPs (structured insulated panels and the kind of construction we are going for with the kit house). She had it down as ‘unconventional construction’ and said that they probably wouldn’t be able to insure us (later when I sent accompanying documentation she did send a quote)
But one company, BuildCare, put me straight through to a reassuringly expert sounding man rather than going straight into 20 minutes of asking my personal details. I am not sure whether it was his gruff North of Aberdeen accent but I imagined he was straight off a constitution site and seemed to understand my totally ameteurish descriptions of everything and translated it into builder-speak for the forms.
That all seemed so simple and now I have a couple of quotes (two people I was dealing with – seemingly from different companies – Zurich and SelfBuild appeared to work at the same company and worked at neighbouring desks) so much for looking about for the best price..
Now I have reams of forms to fill in and I seem to have to register as a developer. Some questions seem
A bit hard – my project manager? Eeeek. Contracts? Eeeeek eeek.
One of the questions I was asked by every insurance brokers on the phone comes into stark contrast ‘Will you be selling the house once you have built it?’ …. Eh? ‘Surely no one goes through this just so they can sell it?’