Non-Standard Construction is at it's most simple anything that deviates significantly from standrd brick and mortar constructions that insurers consider to be higher risk or without adaquate data for a risk assessment. It is worth talking to your insurer ahead of time and asking whether your home they classify it as a standard or non-standard construction, ths is especially true for a new build as it allows you to plan your build and finances in advance.
Some examples of non-standard construction may include steel frame panelised homes, timber frame and non-traditional foundations.
Protect your investment.
Get expert advise in advance to your new build.
Opting for more traditional elements might save you money.
Increased premiums on non-standard might still be outweighed by decreased construction costs.
Insure modular homes, traditional thatched cottages and everything inbetween with expert adivce.
You will need Non-Standard Cover if your home carries an increased risk. If you are worried that your home might be a non-standard construction then get in touch and we'll help you work it out. Some common examples of non-standard construction are offsite modular builds that are craned into a garden, traditional thatched roofs, and steel or timber framed panelised construction.
Generally speaking unless it's a brick and mortar construction it is worth enquiring whether your insurer considers it non-standard. They may add extra stipulations that are not present with a specialist insurer.
Frequently Asked Questions
Generally non-standard protection will come with an increased premium. The trade off for this is a significanlty lower financial risk for you should anything go wrong.
Many insurers will either not insure a non-standard property or will only do so with stipulations in place. By choosing a specialst insurer like us you can make sure you are getting the greatest level of proetection for your property.
If you are buying a home then make sure that you take record of the construction of the home. Something like a thatched roof might be obvious, but take note of the foundation method too. Once you have all of the information then feel free to get in touch and we'll let you know if your home is standard or non-standard.
