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Self Build Insurance

  • 17-05-2017 9:49am
    #1
    Irishgirl2020
    Registered Users, Registered Users 2 Posts: 20 ✭


    Hi, 
    Just looking into getting self build insurance and i'm wondering does anyone have any advise on what we should get covered for? Is it worth paying to cover all risks?
    Thanks


Comments

  • #2
    Shaunoc
    Registered Users, Registered Users 2 Posts: 521 ✭✭✭Shaunoc


    your mortgaging bank may include it if you ask.
    EBS did for me at no cost.


  • #3
    Irishgirl2020
    Registered Users, Registered Users 2 Posts: 20 ✭Irishgirl2020


    Shaunoc wrote: »
    your mortgaging bank may include it if you ask.
    EBS did for me at no cost.
    I asked and they said they would cover the building under construction for 12 months but that does not include any workers on the site. Is this the same as what the provided to you?


  • #4
    Shaunoc
    Registered Users, Registered Users 2 Posts: 521 ✭✭✭Shaunoc


    yup


  • #5
    Irishgirl2020
    Registered Users, Registered Users 2 Posts: 20 ✭Irishgirl2020


    Thanks - did you get any insurance to cover any workers on site or any other insurance?


  • #6
    Shaunoc
    Registered Users, Registered Users 2 Posts: 521 ✭✭✭Shaunoc


    my main contractor had insurance and all trades that came in had their own


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  • #7
    Irishgirl2020
    Registered Users, Registered Users 2 Posts: 20 ✭Irishgirl2020


    Thanks Shaunoc - we are going to get public and employers liability as we are not hiring a main contractor.


  • #8
    kkelliher
    Registered Users, Registered Users 2 Posts: 1,583 ✭✭✭kkelliher


    Shaunoc wrote: »
    my main contractor had insurance and all trades that came in had their own

    As the owner of the site you should also have Public Liability Insurance to cover any risk of anyone injuring themselves on your property. Main Contractor's Insurance will only cover his contractal liability (his works and work areas) so there can be a gap between the two.

    I very much doubt any bank included this for free as part of a mortgage. I would assume its included within the bank charges on the loan.


  • #9
    FixdePitchmark
    Registered Users, Registered Users 2 Posts: 21,185 ✭✭✭✭FixdePitchmark


    kkelliher wrote: »
    As the owner of the site you should also have Public Liability Insurance to cover any risk of anyone injuring themselves on your property. Main Contractor's Insurance will only cover his contractal liability (his works and work areas) so there can be a gap between the two.

    I very much doubt any bank included this for free as part of a mortgage. I would assume its included within the bank charges on the loan.

    Can anyone recommend an insurance company for self build covering all work and risk of renovation work ?

    Current insurance company increasing insurance because unoccupied and also will only cover Fire.

    I think from ringing around I'm a little snookered as not a green field site ?


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