Introduction -Thatched Building Insurance is one of the harder building insurance polices to place. The majority of Uk Building Insurance companies will have no interest in offering you cover for this type of property. However, that is not to say they are uninsurable, on the contrary, a number of companies specialise in this type of Insurance. As well as the standard perils available under a building insurance policy, you should be able to add cover for your General Contents which may also be extended to include All Risks on such items as Jewellery and Pedal Cycles. Each Thatched Building Insurance proposal will be considered on it’s merits and amongst the usual buildings insurance questions you would expect, underwriters will want to know the following.
The age and construction of the Building, in particular the walls.
What is the Age of the Thatch and what is it’s general condition.
What is the method of heating in the Property?
When were the electrics last inspected?
What is the use of the property (have you purchased it as a Buy to Let.
Is the Building Listed?
Any previous Claims.
Helpful Tips - When you eventually source your Thatched Building Insurance, make sure that the product provider gives you a Key Facts document and study the terms and conditions carefully. Because you are insuring a non standard building, there will probably be extra terms and conditions on your cover. It is important that your understand these before you go ahead and accept cover. Your policy may contain certain warranties such as keeping the Thatch in a reasonable condition and keeping a fore extinguisher within the building If you are in any doubt, always ask to see the full policy wording. At the present moment, there are over 50 serious fires a year in Thatched properties so it is important to make sure that you are adequately insured. On a Risk Management basis, the most common cause of Fires in Thatched Buildings is caused by Wood Burning stoves and other solid fuel heaters. If you are thinking of installing Fires in your property make sure you seek professional advise and point out that you have a Thatched Building many Fires are also caused by Faulty Electrical wiring and it is important that you have e your electrics checked on a regular basis. Some helpful tips and hints are:-
Always been careful with naked Flames within Thatched Buildings.
Never leave candles Burning unattended
Never light bonfires near to Thatched Buildings
Have your electrics checked on a regular basis
back to top
Copyright Building-insurance-uk.co.uk 2008
