Renovation & Conversion Projects Insurance

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Insurance for renovation, conversion and refurbishment projects - including flat conversions, structural alterations, change-of-use works, and part-demolition. Cover for contract works, liability, tools, plant and materials.

CALL FOR EXPERT ADVICE
GET A PROJECT QUOTE

We compare quotes from leading renovation & construction insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

SPECIALIST COVER FOR RENOVATIONS, CONVERSIONS & REFURBISHMENTS

  • Renovation

    REFURBISHMENTS & UPGRADES

  • Conversions

    FLAT & PROPERTY CONVERSIONS

  • Alterations

    STRUCTURAL ALTERATIONS

  • Projects

    CHANGE-OF-USE PROJECTS

Designed for High-Risk Renovation & Conversion Work

Renovation projects carry unique risks - including working on existing structures, part-completion, temporary supports, unknown defects, and structural alterations. Our policies cover work in progress, materials, tools, plant and potential damage to the property during construction.

What Renovation & Conversion Insurance Covers

Comprehensive protection for refurbishment, alteration and conversion work.

Contract Works Protection


  • Damage to works in progress from fire, flood or storm
  • Damage caused by collapse during structural alteration
  • Materials on site or in transit to the property
  • Temporary works (supports, propping, scaffolding)
  • Work on existing buildings, including heritage properties
  • Accidental damage to the part of the property being worked on

Tools, Plant & Machinery


  • Tools & equipment onsite or in transit
  • Owned plant (mixers, access equipment, small machinery)
  • Hired-in plant, including continuing hire charges
  • Damage, theft or malicious damage
  • Site cabins, storage units & temporary structures

Who Needs Renovation & Conversion Insurance?

Contractors & Trades


  • Renovation & refurbishment contractors
  • Builders working on structural alterations
  • Bathroom & kitchen installers
  • Fit-out & interior refurbishment firms
  • Joiners, carpenters, flooring contractors

Developers & Property Owners


  • Developers converting buildings into flats
  • Commercial-to-residential conversion projects
  • Investors renovating outdated property
  • Self-build & major residential renovation projects
  • Landlords upgrading rental properties

Common Claims During Renovation Projects


  • Collapse of existing structures during alteration
  • Water damage from plumbing work or open structures
  • Fire caused by electrical faults or hot works
  • Damage to newly installed flooring, walls or fittings
  • Theft of tools, materials or hired-in plant
  • Damage to property due to temporary support failure

Why Renovation Projects Are Higher Risk


Working on existing buildings creates additional risks - including unknown defects, weakened structures, and interaction between old and new building materials. Our policies ensure you’re protected from unforeseen renovation-related issues.

Why Choose Insure24 for Renovation & Conversion Project Insurance?


  • Cover for structural and non-structural renovation works
  • Protection for materials, tools, plant & equipment
  • Support arranging Contract Works and liability in one policy
  • Knowledge of building control, design & structural risks
  • Tailored quotes for developers, builders & investors

We Make Renovation Insurance Easy


  • Fast project assessment
  • Expert help understanding renovation risks
  • Options for heritage & listed buildings
  • Cover available for short-term or annual works
Quote

Insure24 helped us secure cover for a full flat conversion project. They understood the structural risks and arranged everything quickly.

Michael R, Property Developer

FULL PROJECT PROTECTION


  • Damage during works
  • Structural alterations
  • Tools & plant
  • Materials on site
  • Temporary works

FREQUENTLY ASKED QUESTIONS

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Does renovation insurance cover the existing building?

It normally covers the parts of the building being worked on, but not unaltered sections unless specifically insured. Additional cover may be required for existing structure protection.

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Is renovation insurance required for flat conversions?

Yes - flat conversions and change-of-use projects often involve structural alterations, increased fire risks, and work on existing structures. Insurance is essential to protect the works and the property.

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Does it include tools, plant and machinery?

Yes - tools, equipment, owned plant and hired-in plant can be added to the policy to protect against theft, damage and vandalism.

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Can I get insurance for a listed building renovation?

Yes - cover is available for listed and heritage properties, although additional information and specialist insurers may be required depending on the project risk.

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Do I need renovation insurance if the property is empty?

Yes - unoccupied property undergoing works usually requires specialist renovation cover, as standard unoccupied property insurance excludes building work.

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