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Renovation, conversion &
extension insurance

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For when you are improving your existing property

A self-build project isn’t for everyone. Sometimes the property you need is right under your feet, but it just needs some improvements. So if you’re embarking on a renovation, extension or conversion project to an existing property, you’ll want to ensure your project is protected.

Your existing household insurer may not provide cover for the work, materials or liability exposures involved. That’s why we offer our own Renovation and Conversion insurance designed especially to protect you and your property as you work to expand its potential.

Who is this for?

keysPlanning to renovate, convert or extend an existing property

pound signYou’re involved in the project, employing workers, buying materials etc.

uk mapBuilding in the UK or Northern Ireland

uk mapWhere your existing insurer is unable to offer cover for your works

Product Features

housePublic Liability of £5M to protect you and your project against a wide range of risks

contentsEmployers’ Liability of £10M to cover the cost of your liability as the employer of your project

waterContract Works up to £500K, Materials, Hired-in and Owned Plant cover

uk mapOptional £50K of Legal Expenses cover can be added to the policy

Why us?

20 plusOver 20 years experience in the insurance industry

24hrFriendly support from our UK based team

zurich logoUnderwritten by Zurich, a major global insurer

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Why do I need Renovation & Conversion insurance?

Whether you’re planning to renovate, convert or extend an existing property, there are numerous risks that could put your project in jeopardy. Your existing home insurance provider may not be able to cover the project, perhaps due to the value of the renovation/ extension project or the extent of the work.  We can provide cover from 3 months onwards and all policies, no matter the duration of cover, include the new works, materials on site, Public Liability insurance and Employers' Liability insurance as well as items of plant. Employers’ Liability is a legal requirement if you employ people to work on site. View our Policy Summary to find out more.

What does it cover?

Our Renovation & Conversion policy is designed to cover you from the moment building work starts up until the work is complete.

Optional cover

Personal Accident and Legal Expenses can be added to your policy for extra peace of mind. Personal Accident insurance is designed to pay a lump sum of money if an insured individual is killed or suffers a defined permanent physical disability (e.g. loss of a limb, or loss of sight) while on the self-build site. Legal Expenses cover is designed to cover up to £50k of legal costs arising from contractual disputes between you and your contractor, utility companies, or the removal of squatters from site during the insured period.

Quality product

We’ve worked closely with Zurich, a major global insurer, to offer a unique policy that aimed at meeting the requirement of your project and provide the security you need.

Dependable team

With over 20 years in the insurance industry, we’ve learned a lot about what people really want from their cover. You can speak to our UK based team if you need further information about our product. You will also have access to a 24-hour claims helpline.

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Renovation & Conversion cover at a glance…

Renovation & Conversion
Public liability
£5 Million
Employers’ liability
£10 Million
Cover length
3,6,9,12 & 18 months (can be extended)
Contract Works
Up to £500k
Tools cover
Optional extensions
tick1 Personal Accident
tick1Legal Expenses
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Please visit our Frequently Asked Questions page.

Download documents

Our Policy Wordings may be found here.

Other useful tips

News and Views about homes and self-building.

If you need further information call us on 0800 230 0225 to speak to one of our UK based team between 9am to 5:30pm Monday to Friday. Alternatively, complete our Call Me form and one of our specialist team members will give you a call.

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Renovation and Conversion
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