Corgi insurance - unoccupied properties

[gassed up]

Hello to all,

I have been getting quotes on public liability insurance today as recently I have started to do more plumbing and heating jobs on my own.

Corgi have given one of the better quotes, but as I was going through the on-line process I noticed that one of the policy exclusions stated:

"This policy does not cover any claim or claims in connection with any work on any structure not occupied as a private dwelling".

Surely this would be a problem for any work carried out on a refurb to a property which has been temporarily vacated or recently purchased but not yet moved in to?

Has anyone come across this before with their insurer and would it put you off?

 

[jonnyswamp]

I don't think it means un-occupied (as in empty) I would think that particular policy only covers residential/private and not commercial
This is only a guess and I'm sure there are others on here who know

 

[albatross]

Try Trade Direct.

 

[snowhead]

I'd agree with #2
It means only Domestic, not Commercial properties.

The diference is the liability.

Burn a house down accidentally, could be a £1million pound claim

Burn a Shopping centre down, or even do enough damage to close it and your looking at consequential losses of hundreds of millions.

 

[Mike Jackson]

I'm with Corgi and my policy allows up to 20% of my work to be on commercial properties.

 

[vern]

I'm with Corgi and my policy allows up to 20% of my work to be on commercial properties.

Same as mine Mike, it's standard on the policy

 

[gassed up]

Thanks for your replies.

It did say something on the questionaire about not doing more than a certain % of commercial work.

So do you think you would be covered for working on empty residential?

 

[jonnyswamp]

I'd say yes, but give them a call just to be certain
Whoever you speak to, log the date, time and their name just in case there are discrepancies in what you ask for and what you get

 

[gassed up]

Cheers.

I emailed them earlier, will update with the reply.

 

[gassed up]

I didn't get a reply from Corgi so went with Trade Direct. They also included some tool cover for virtually the same cost, just over £400.