Listed Buildings Insurance In England and WalesGet Quotes
Listed Buildings Insurance In England and Wales
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Listed buildings insurance in England and Wales
There are an estimated 500,000 structures in England and Wales that have been formally designed as buildings of historic or architectural interest and which need to be preserved for future generations.
Designation is a formal process leading to inscription on the National Heritage List for England (NHLE), which is maintained by Historic England or records maintained by Historic Wales and the Royal Commission on the Ancient and Historical Monuments of Wales (NMRW).
Welsh listings carry the name coflein – derived from the Welsh words for “memory” or “cof” and “line” or “lein”.
If the home you own is on either of these registers, the building is a designated listed building and this has serious implications for the type of home insurance you arrange.
Why do you need specialist listed buildings insurance in England and Wales cover?
Although the formal registers distinguish between buildings in the two parts of the UK, the purpose and effect of listing is broadly the same and impacts on any listed building insurance in England and Wales.
The same categories are used in both England and Wales for listing buildings as Grade I, Grade II* or Grade II (there was originally the designation of Grade III, but this was abandoned in 1970).
In its purpose for preserving any designated building for posterity, strict planning restrictions are imposed on listed buildings – whether in England or in Wales. Unless the owner complies with the planning conditions imposed, he risks a large fine or even the possibility of imprisonment.
But compliance with those conditions also imposes a hefty financial burden on the owner when it comes to making good any damage to the listed building. Materials must be carefully selected to match the originals used in the building and specialist construction techniques may also need to be employed by specially trained and qualified craftsmen.
Naturally, these conditions are likely to add a considerable amount to the cost of repairs and reinstatement following any loss or damage suffered by the listed building.
Many of these costs may be difficult to estimate until the damage actually occurs and, so, many standard home insurers may decline any proposal for insurance cover – or charge a prohibitive price for the premiums.
How much is listed buildings insurance in England and Wales?
With more than half a million listed buildings in England and Wales, there are many different types of home – varying considerably in importance, size, age and value. By definition, each listed building is unique.
The differences in types of listed building affects the price you pay for your insurance – with the total building sum insured representing the maximum payable on any one claim.
Why choose us at UKinsuranceNET?
We are specialists in the provision of listed building insurance for every kind of designated property in England and Wales.
Our expertise and experience, together with a standard of customer service which we aim to make second to none, has already helped to establish us as one of the leading independent insurance brokers in the UK.
Our business is authorised and regulated by the Financial Conduct Authority (FCA).