• tayla166

Has lockdown DIY killed your cover?

As the lockdown ensured all but essential workers were essentially housebound, Brits began to turn their attention to DIY – presumably deciding that if they were going to spend more time indoors then those homes should be as pleasant as possible.

In fact, according to a new study from Aviva, 85 per cent of UK adults have undertaken home improvements during lockdown. This includes everything from de-cluttering to gardening to bigger projects that require some serious remodeling.

But while cosmetic DIY like painting or putting up shelves has no impact on insurance, more extensive updates do. Failure to declare such work could risk invalidating an existing home insurance policy.

As tradespeople and builders are allowed back to work in people’s homes those larger planned projects are now starting up. It’s essential property owners inform their insurer before they begin any major projects like extensions or loft conversions. Otherwise, if they come to claim they might find their insurer won’t pay out.

The biggest risks to home insurance. Policies vary from provider to provider so read your small print so you can clearly understand what is within your own and what puts it at risk.

Aviva advises always telling a home insurer before renovating or altering a property. That allows them to decide whether they can provide cover both during the work and afterwards, when the property will be different to the home they insured.

If your home insurer is happy to continue cover during building work then make sure you know what that cover includes.

0 views0 comments

Recent Posts

See All

Extent of decline in UK home insurance claims

A study examined the decline in home insurance claims during the March 23 to May 31 coronavirus lockdown and found the following drop rates for the period, along with the corresponding ‘savings’ estim

Home Insurance and building works

Find out how making home improvements, building an extension and converting a loft or basement can affect your Home Insurance. Rather than moving, many people choose to improve their home, often to in

A Few ways you may be invalidating your insurance

Buying insurance means buying peace of mind. If anything unexpected happens to rock your finances or your family, you at least know that there’s a certain amount of protection in place to help you pic

Oncover Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA).  Our FCA Register number is 306045. The FCA's register can be accessed through We are covered by the Financial Ombudsman Service (FOS).  See their website for further information. Registered in England & Wales under Company no. 04036567. Registered address: 89c College Place London NW1 0DR.