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You should make sure that all your quotes specify your property as a coach house property type, simply telling an agent in a huge call center that there are garages to cover, and they tell you ‘it’s fine’ Will remain’ – does not mean that you are insured. You cannot be sure that they understand your insurance needs, or that you will be adequately covered. Ideally you will need this confirmation in writing as you will be making any unique arrangements that require additional cover. What matters is that the insurance company covers freehold properties including leasehold garages/carports etc – and will insure all your legal liabilities as a freeholder, including impact and collision – which protects the property from vehicle damage Is. It’s about what their policy factually covers – not what a telephone sales person tells you it does.
A very basic, and you might think obvious sign, and way of checking, is to check that your property is specified as a ‘coach house’ on the insurance quote. It’s also good practice to get quotes in writing in advance – it’s not old school because it’s a unique insurance requirement – and checking your small print first makes sure you know what you’re buying. For simple home insurance quotes we would not recommend it as a ‘must do’, but for coach house insurance quotes we would…
Do not accept any policy document that states a detached house, flat/maisonette – as it is not a coach house with leasehold garage/carport. You wouldn’t insure a Ford Fiesta and expect to cover a BMW? It is the same principle.
Coach house insurance quote should not be more expensive than normal home insurance so please don’t worry – use a coach house insurance specialist – not an insurer who is doing this one off – as they will rate the risk higher and therefore add a Percentage of premium to cover their additional risk/administration. Insurers who don’t cover coach houses on a daily basis don’t have the ready documents and tools to set up a policy – so all those extra costs will come back to you as the customer. Don’t use the butchers to buy bread!
Your quote should be issued by an experienced advisor who can provide you with simple advice and guidance relating to your responsibility as a freeholder/leaseholder, someone who understands the nature of the product, and can provide you with a specific coach house insurance quote – Provides you with all your options and a choice of quotes and providers.
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