Listed Buildings Insurance In ScotlandGet Quotes
Listed Buildings Insurance In Scotland
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Listed buildings insurance in Scotland
There are more than 47,000 listed buildings in Scotland, and for similar reasons to those used in England and Wales, listing is used to safeguard the current state and condition of a building of architectural or historic interest for posterity.
In Scotland, however, the formal authority for listing any building is vested in Historic Scotland, which is an executive agency of the devolved Scottish Parliament and Government.
The relevant legislation is the Planning (Listed Buildings and Conservation Areas((Scotland) Act of 1997.
The categories for listing buildings in Scotland differs from the Grades I, II* and II adopted by Historic England by using the following designations:
Category A – those buildings of national or international historic or architectural interest which remain in more or less their original state;
Category B – buildings of regional importance, which may have been altered to some degree; and
Category C – buildings of local importance, which may have subject to moderate alterations.
The designation of certain buildings – many of which are in continuous occupation as people’s homes – has significant implications for listed building insurance in Scotland.
Why do you need specialist listed building insurance in Scotland cover?
Listed building insurance is a specialist product meeting the niche demands of owners of listed property.
For listed properties in Scotland, the insurance may be further differentiated by the particular demands of Scottish planning regulations as they affect the degree to which any listed building may be repaired, altered or reinstated. It is important, in other words, that listed building insurance in Scotland reflects and takes into account the particular requirements of local planning legislation.
It is against that planning background that permission for any repairs or reinstatement of your listed building may be granted. Conditions may be attached which require the use of traditional, non standard materials and adherence to architectural design or techniques undertaken by suitably skilled and qualified craftsmen or professionals.
They are conditions which may significantly affect the cost of any insurance claim for the repair or reinstatement of your prestige home in Scotland. These increased costs – frequently unknown and difficult to estimate until the loss or damage occurs – are enough to discourage many regular home insurers from offering the cover you may need.
To fill that gap and to meet the insurance needs of this select group of home owners, specialist listed building insurance for properties in Scotland is necessary – and may be arranged through specialist providers such as ourselves here at UKinsuranceNET.
Why choose us at UKinsuranceNET?
We are specialists in arranging insurance for listed buildings and have wide experience and expertise in arranging appropriate levels of insurance for many different types of property, especially those involving the range of non standard building techniques and materials that are so often a feature of listed buildings.
Since UKinsuranceNET was founded in 2001, we have grown at a remarkable rate, attracting many tens of thousands of satisfied customers, and gaining a solid reputation as one of the leading online, independent insurance brokers in the UK.
Superior customer service is our watchword and you may be assured of receiving bespoke, personal attention to your every insurance need for your high net worth home in Scotland.