Home improvements should be protected like any other investment

The British Insurance Brokers’ Association (BIBA) is urging householders to ensure that their renovations and home improvements are fully covered by their home insurance policy.

BIBA is encouraging people to check their policy ahead of the UK’s busiest period for home improvements. Recent research anticipates that £57 billion will be spent on home improvements over the next six months. UK consumers are estimated to spend on average £6,400 a year on their homes.

If you are adding an extension or significantly refurbishing your home you should inform your existing insurer, who may have conditions to impose. If you do not inform them they may void your existing cover. You should also consider purchasing Contract Works insurance, which will cover the work being carried out, should disaster strike before completion. Of particular concern in this current economic climate is the theft of materials from construction sites, which can be covered by a Contract Works policy. Do not assume that the contractor will have everything insured, get a written contract that specifies who is responsible for insuring what. You may also need to insure against damage to neighbouring properties with a 21.2.1 policy.  Once the work is completed you then need to increase the cover on your buildings insurance.

If your home improvements include additional contents and possessions you will need to increase the level of contents insurance cover to ensure that you are insured for the correct amount.

Before you carry out home improvements contact Sutcliffe & Co for a quote that will cover renovations and improvements. Call us on 01905 21681 or send an email

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"May I congratulate you and your staff for the attention to detail and the service that you have given to Ductbusters over the years. We searched for a long time for an Insurance Broker that had the professionalism to resource the many and varied insurances we required and you have never failed ourselves."

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