Workshop Insurance

[TKB]

Hi All. Has anyone any experience or advice regarding building and/or contents insurance for DIY home workshops? I have a 12 x 28ft wooden workshop with £15k+ of tools and machinery, which general building insurance policies seem happy to exclude. Are there any home insurers or specific ’workshop’ policies out there that anyone can recommend? Many thanks

 

[Blackswanwood]

I don’t think it’s the case that sheds are commonly excluded - some insurers may but it’s more that a limit is applied.

This may help …

https://www.comparethemarket.com/home-insurance/content/shed/

Most of the “mainstream” insurers are looking for standard risks as assessing individual circumstances and amending policy terms adds complexity and cost. It’s really a case of looking at what their cover and limits are individually.

Insurers that are more likely to look at bespoke needs would include the likes of NFU and Hiscox.

 

[TKB]

I don’t think it’s the case that sheds are commonly excluded - some insurers may but it’s more that a limit is applied.

This may help …

https://www.comparethemarket.com/home-insurance/content/shed/

Most of the “mainstream” insurers are looking for standard risks as assessing individual circumstances and amending policy terms adds complexity and cost. It’s really a case of looking at what their cover and limits are individually.

Insurers that are more likely to look at bespoke needs would include the likes of NFU and Hiscox.

Many thanks, appreciate your thoughts and leads.

 

[pulleyt]

I need to double check my insurance which is coming up for renewal but I went through Saga insurance and they had no limit on contents in outbuildings.
I hope that's still the case