Some properties may trigger a survey requirement, typically based on the buildings sum insured or if the home has a listed status.
If a survey is required, it must be completed within 60 days of your policy start date. The survey is arranged and conducted by us at our expense, and our appointed surveyor will usually contact you directly to schedule a date and time that suits you.
Once the survey is complete, a report is prepared and sent to us. There may be mandatory updates to your policy based on the findings for example, an adjustment to the buildings sum insured, a change in construction material, or an update to the year of build. Any mandatory changes are required to be processed as a mid-term adjustment to ensure your policy accurately reflects the survey findings. These changes may result in an additional premium, but it ensures your home is correctly and fully insured!
You will also receive a copy of the survey for your records and future reference.
Although the survey can result in changes to your policy and premium, it is a huge benefit! It guarantees that your high-value property is insured correctly and it is conducted at our expense, giving you peace of mind.