My Account
We compare quotes from leading renovation & construction insurers
SPECIALIST COVER FOR RENOVATIONS, CONVERSIONS & REFURBISHMENTS
-
REFURBISHMENTS & UPGRADES
-
FLAT & PROPERTY CONVERSIONS
-
STRUCTURAL ALTERATIONS
-
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- Investors renovating outdated property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
Insure24 helped us secure cover for a full flat conversion project. They understood the structural risks and arranged everything quickly.
Michael R, Property DeveloperFULL PROJECT PROTECTION
- Damage during works
- Structural alterations
- Tools & plant
- Materials on site
- Temporary works
FREQUENTLY ASKED QUESTIONS
+-
+
-
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.
+
-
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.
+
-
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.
+
-
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.
+
-
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.
+ -
Does renovation insurance cover the existing building?
+ -
Is renovation insurance required for flat conversions?
+ -
Does it include tools, plant and machinery?
+ -
Can I get insurance for a listed building renovation?
+ -
Do I need renovation insurance if the property is empty?
Related Covers
Renovation-project pages should branch into the cover areas that matter most when working on existing buildings, conversions and phased refurbishments. These links keep project intent focused on related construction insurance pages.