Home insurers that cover outbuildings fully?
Discussion
Can anyone recommend a good home insurer that actually fully covers the building and it's contents without either trying to worm out of actually covering it (Admiral) or doubling the premium for only a small increase in cover (Home protect). Most of the others on comparison sites don't give you enough information to tell whether they will cover it or not.
I am only looking for about £50k of buildings cover and £10k contents.
I am only looking for about £50k of buildings cover and £10k contents.
NFU Mutual will do what you need. We had a similar requirement a couple of years ago when we moved and the only one that we tried that made any sense without silly conditions was the local NFUM office. I visited in person, described the property and provided them with a sales brochure with full details. I was quite surprised that they didn't want to visit but they provided the cover to do exactly what you have described.
I fell foul of this a few years ago; my garage got burgled, and as well as two motorbikes there were all my tools (20+ years worth of quality stuff), boat engine, big trolley jacks, power tools - they basically took most of my possessions.
We had 125K contents cover with LV, so assumed all was well. One day I was going through the claim and they were weaseling out of the boat engine, next thing the claims adviser notices that it's a detached garage. 2K max. I got absolutely buttfked. I realise that this is "small print" and I should have known better, but I really didn't spot the crazy worthless limit and assumed (hah! never assume!) that a "quality" insurer like LV had little conditions like this.
What even makes it worse is that they paid the max 2K out, but our premiums have gone up so much that we may as well not have bothered.
We had 125K contents cover with LV, so assumed all was well. One day I was going through the claim and they were weaseling out of the boat engine, next thing the claims adviser notices that it's a detached garage. 2K max. I got absolutely buttfked. I realise that this is "small print" and I should have known better, but I really didn't spot the crazy worthless limit and assumed (hah! never assume!) that a "quality" insurer like LV had little conditions like this.
What even makes it worse is that they paid the max 2K out, but our premiums have gone up so much that we may as well not have bothered.
I had this fun after I had my extension done and wanted to ensure all the stuff in my garage was covered. I ended up with Kwik Fit at that point who's online documents showed no distinction, and I made sure that I called and had verbal reassurance that it was the case that there was no reduced limit for garage contents. I also had the same reassurance from them as I renewed - so at least I have something to fall back on should the worst happen...
vxsmithers said:
I have admiral platinum which I was assured does what you want, now I'm feeling a bit nervous!
Nope, it doesn't! There is a specific exclusion against it in there.On the one hand it says this:
But the current admiral platinum policy booklet here:
http://www.admiral.com/policyDocs/HH-007-009-Plati...
Says at page 30:
What is not covered
Theft or attempted theft
To contents in your garage, shed or
outbuildings or kept in the open on the land
your home stands on
vxsmithers said:
bds! that's the only reason I took their policy.
will need to give them a ring as I have an email stating listed items are covered in the garage
I've been with them for three years, this is also why I took the policy, the gold standard supposedly gave me extra protection to the garage! FFS!will need to give them a ring as I have an email stating listed items are covered in the garage
Muncher said:
Did anyone follow this up with Admiral to check the position?
At the moment I have a £270 policy for £400k buildings and £60k contents
To move to add £40k of garage buildings cover and £10k of contents is doubling, if not tripling the premium. I tried NFU and they came in at £650.
I have been on the phone to Admiral this morning.At the moment I have a £270 policy for £400k buildings and £60k contents
To move to add £40k of garage buildings cover and £10k of contents is doubling, if not tripling the premium. I tried NFU and they came in at £650.
The gold cover, which is the one I had, is up to £1000 cover for contents of garage, including bicycles. So why I have a few bikes separately listed with them totaling over their £1000 didn't seem to concern them. They said I could upgrade to their Platinum policy which would be £5000 cover for contents of the garage, which is more than enough for me, but their quote was ridiculous.
I have since gone with Nationwide as they also do the £5000 cover, they beat the renewal by Admiral for the gold, got 20% discount for having my mortgage with them and a £30 amazon voucher. Its the little things.
Its quite common, after getting a few quotes form the usual comparison websites, that they don't make this very clearly from the out set and you can end up with what looks like a really good quote, then you delve into the small print and the quotes skyrocket. LV, JohnLewis, quote me happy, etc, etc
ETA - Would you need the buildings cover for the garage separately? I forgot to check with Admiral, however Nationwide said that their buildings will cover a garage, so if it falls down or blows away I'm covered.
Edited by Pamoothican on Tuesday 28th February 12:09
Pamoothican said:
Would you need the buildings cover for the garage separately?
I forgot to check with Admiral, however Nationwide said that their buildings will cover a garage, so if it falls down or blows away I'm covered.
It's worth checking but I suspect a normal double would be covered.I forgot to check with Admiral, however Nationwide said that their buildings will cover a garage, so if it falls down or blows away I'm covered.
I have an 8 car wooden garage and most will only cover it for:
Flood (I'm on a hill)
Aircraft strike (pretty unlikely and surely the Plane Co. would pay)
Lightening strike
Earthquake
All I wanted was Fire and most wouldn't cover it for any amount - because some who have an old wooden garage set fire to them to get a new one
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