Browse Forums Building A New House 1 May 28, 2009 9:58 pm We will be trying to organise insurance now ready for next week. so that it starts the day of handover. HUbby rang the RAC our contents insurance providers and asked about costs and coverage etc. They told him they won't cover us for break-ins ( ie someone breaking to steal the stove, HWS etc ) because we won't be living there straight away???? Hmm it's less than 2 kms from here and he'll be there nearly every day painting, paving etc until we move in. We are covered for fires , storms etc . Seems a a bit rough. if you live in a house and go on holidays you just need to let your insurance company and the cops know if it's over a specific amount of time. I'm wondering now what everyone else has done. We have to get floors laid before we can move in and we can't move in for at least a week after they are laid because of the chemical smell of the sealer. Wondering if hubby sleeps the first night there does that count as us being in residence? Anyone know. we'd rather like to use RAC if their pricing is good. We'll actually get 15% off insurance with them until the end of June. Of course maybe we should start shopping around. Re: Insurance after /at handover 2May 28, 2009 10:02 pm i shopped around, went with GIO for the first year but ended up with RAC this year anyway, I have always had car insurance with them so it's easier to have it all with the same one. And they ended up most competitive this time. Always been happy with the service they provide. Re: Insurance after /at handover 3May 28, 2009 10:19 pm Dragon fly we've always had rac insurance for everything before including house. I'm just wondering about this refusal to insure the building and things like stove etc. perhaps if we've said we'd be moving in within a week or so it might have been different. but i do know a few H1'ers who didn't move in straight away so they could get floors and tiles in etc. Did they just take the risk or what? Re: Insurance after /at handover 4May 29, 2009 11:25 am kexkez, I rang HBF this morning and explained that we weren't moving in for about 1 month. We are fully covered for our building insurance as long as we don't leave the house unoccupied for longer than 90 days. Then the cover reduces to just fire etc. I then made the girl I spoke to check that info was right, and it is apparently. Maybe try some other insurance companies? Sonya Re: Insurance after /at handover 5May 29, 2009 6:39 pm hi Sonya thanx for that. it sounds like the same ruling for when we went overseas for 10 wks. perhaps hubby got someone who quoted wrongly. fingers crossed. Spoke to someone different. it's 60 days. so all done. Re: Insurance after /at handover 6May 29, 2009 7:35 pm kexkez hi Sonya thanx for that. it sounds like the same ruling for when we went overseas for 10 wks. perhaps hubby got someone who quoted wrongly. fingers crossed. Spoke to someone different. it's 60 days. so all done. Isn't it frustrating how speaking to a different person at the same place can give you a different result - With my car insurance once, I rang up and they said that's all they could do and a few days later I rang back to double check - $200 off by nominating only 2 drivers, perfect! 'A bottle of wine contains more philosophy than all the books in the world.' Louis Pasteur Vegie garden: viewtopic.php?f=19&t=27637&start=0 My Backyard Adventure Re: Insurance after /at handover 7May 29, 2009 7:56 pm It is usual for insurance companies to not cover a new property until someone is actually living there, and it's been that way forever. I remember a girl I worked with having to get her brother to stay in her brand new house till she and her husband got back from their honeymoon so that their insurance covered them. That was in 1981. We had the same issue, so arranged for our appliance installation to be delayed till after our floor coverings were laid, since we figured that theft of the electrical stuff was our biggest risk. Then we had our eldest son and a couple of his mates sleep at the house for the two nights or whatever it was till we moved in. No idea if staying there for one night would satisfy the "occupied" rule....sorry. Re: Insurance after /at handover 8May 29, 2009 8:08 pm DH pointed out I forgot to get the persons name. duh but it's all done and paid for. and the 60 days sounds pretty much like what we had when we took a trip overseas for slightly under 10 weeks. I think we just scraped in from vague memory. I asked about moving stuff over earlier and he said did I want bridging insurance. He talked me out of it which was great. Seems bridging insurance only lasts about 14 days and you have to do a minimum of 30k insurance. After that the new place gets all the insurance and you aren't covered at the old place. oops. So we've opted to pass on that. making lists now of what we need. have to organise a tv antenna and a clothes line! But we don't need either for a little while yet. Also need to book removalists and do all the usual house moving stuff. Kek We are having cork flooring laid through the main part of the house and basically the fumes are pretty toxic. The guys wear masks etc when they seal the cork and recommend a minimum of a week from when they finish to someone being in the house. From what I've heard weeks is better. We hope to have about 2 weeks + Our youngest is highly sensitive to smells so we'll see how we go. We might have to make him either sleep in the garage or ship him off to my mums in Perth for a week or so. Hubby said if need been he'll sleep there a few nights but obviously he can't during the sealing phase. Hi there, long-time lurker but first time posting. I've bought a house 2 and a bit years ago and last year we had some major water damage on a converted pergola area… 0 7979 I apologise for any confusion, but your understanding is correct. We approached our situation differently based on advice from… 11 53630 i would not be signing anything on the day read your contract about when builder submits final invoice generally, have to meet builder within 7 days of receiving final… 1 4807 |