The majority of standard insurers will not be able to cover home renovations and building works. This is due to the increased risk of damage happening to your buildings or contents. Depending on the seriousness of work, the property may also be unoccupied for longer than 30 or 60 days. This can mean a standard insurer will often decline to cover your request for insurance.
We can help if you have home renovation projects in the pipeline or have already started and are looking for a cheaper renewal price. Our panel of non-standard insurers can still offer excellent levels of cover. Whether you're replacing a kitchen, building an extension or converting a loft, we have the solution.
A JCT (Joint Contracts Tribunal) is a set of contracts put in place for those undergoing larger scale renovations or building projects. Its purpose is to create clearer responsibilities for each party whilst the work is ongoing and provide more structured time scales and budgeting, without needing the use of a solicitor.
Often, a JCT is not put in place for smaller jobs. Similarly, you won't need a JCT contract in place if you are doing the work yourself.
When arranging your home insurance during building work, you will usually be asked if a JCT is in place. If you're not sure if you have one, this tends to mean you don't. This is because it is a separate contract put in place between you and your builder and would therefore be quite memorable. However if you are unsure, you can easily check with your builder.