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Thatched Property Insurance
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They are one of the characterful and beautiful features of the British countryside – and command the high prices generally associated with High Net Worth owners – but the thatched property is vulnerable to those risks which a more conventionally-built house might avoid.
The obvious distinction, appeal and high value of the thatched property is – clearly – its thatched roof. The risks associated with this type of high value property demand a specialist form of insurance – thatched property insurance.
Why do you need specialist thatched property insurance cover?
Insurance – and the insurance of prestige property in particular – is all about the calculation of risk. Insurers like nothing better than a property for which there are numerous examples, of standard construction, a statistically demonstrable incidence of risk and an easily calculated cost of repairs or reconstruction.
These are all the things that your thatched property is not. No two thatched properties are the same and yours is probably only one of a kind – it is special.
From the insurer’s perspective, it is also a non-standard construction – which typically involves four walls of brick or stone and a roof of slates or tiles. The thatched roof – even if it covers just part of your property – makes the whole building one of non-standard construction.
Without those standard terms of reference on which to base the calculation of risk and the likely cost of repairs to damage or reconstruction in the event of a total loss, many regular home insurers might decline cover for a thatched property, or charge a punitive rate for the insurance premiums.
The higher the value of your prestige thatched home, of course, the greater the reluctance on the part of regular insurers to offer cover and the often higher the cost of the premiums charged by those that do agree to insure it.
That is why you need specialist thatched property insurance – it may offer the same levels of protection as regular, high value home insurance, but it recognises the special risks associated with non-standard construction and the vulnerabilities of a thatched roof in particular.
Why choose us at UKinsuranceNET?
Choose us here at UKinsuranceNET for our experience and expertise in arranging insurance for a wide range of properties built to a non-standard construction – including those which feature a thatched roof.
We recognise not only the high value of many of the properties for which we provide insurance cover, but also those very characteristics which make a given property so distinctive and out of the ordinary. That is why we set ourselves the mission to provide a superior service to our customers – whether enquiries have come online or discussed on a personal basis with one of our team of professionals.
It is through the provision of that superior quality of customer service that UKinsuranceNET has established itself as one of the leading, independent insurance brokers in the UK.
We take the time and effort to understand your precise insurance needs and draw on our experience and knowledge of the wider insurance market to match your requirements to the specific insurance products available. We are entirely independent of any particular insurer, so may negotiate suitable and competitively priced deals to suit your own thatched property.