Most insurers class anything other than brick or block, slate or tile,
as non-standard construction, and either surcharge or decline cover.
The HHI scheme will quote for any sound, well-maintained property subject to the normal underwriting criteria regarding fire brigade access, adequate water supplies, claims, and subsidence history.

Mansions, Manor Houses, Timber frame and cob buildings can be covered under the scheme. For buildings that have plans for major renovation work please refer to the 'Works In Progress' page.

Policyholders may qualify for a free survey by qualified surveyors.
Risk improvement recommendations will be discussed with the property owner at the time of the survey. In addition a written report will be sent to the property owner. Policies are normally written
without an 'average' (under-insurance) clause.

The sums insured throughout the policy term will increase in line with the Retail Price Index for the contents and buildings by the House Rebuilding Cost Index produced by the Royal Institution of Chartered Surveyors but no additional charge will be made for this.

24 hours, 365 days a year, access to a help desk able to advise on any personal legal matter. Also a domestic helpline to provide assistance service in connection with domestic emergencies. In addition, help with other problems that cause inconvenience by finding a local contractor to carry out any necessary repairs together with an emergency service for broken windows.

Premium discounts for policyholders over 40 years of age.

Excess (the amount that you agree will be deducted from any claim) discounts ranging from 5% to 20% for the £50 to £500 excess range.

Sum insured size discounts starting at 15% for £100,000 and increasing to 25% for properties of £300,000+.

 

A choice of standard or accidental damage covers. Contents and personal possessions cover. Legal expenses.

 

Planning (Listed Buildings and Conservation Areas) Act 1990

Additional cover for the cost of meeting local authority conditions made under the Planning (Listed Buildings and Conservation Areas) Act 1990 and amending legislation following damage, by any insured event under the buildings section, should these costs exceed the buildings sum insured. The maximum payable under the extension is 20% of the sum insured for your buildings.

Archaeological costs

The on-site costs of archaeological rescue work (including the recording of standing and collapsed fabric and damaged floor surfaces but not the excavation of below ground deposits) necessarily and reasonably incurred with the companies consent as a result of damage to your buildings. There is a limit for any one claim of £50,000.

Sitemap

- Home
- About Us
- Insurance Policies
- Service Standards

- Request a Quote
- Contact Us
- Company Information
- Legal

Popular Policies

•  Household
•  Historic/Listed Buildings
•  Vehicle Breakdown
•  Let, Unoccupied, Holiday

•  Private Car
•  Motorcycle
•  Liability
•  Special events

Contact Us

Contact us today for a no obligation quotation:

01823 277188

Request a Quote