You must make sure all of your quotes specify your property as a coach house property type, simply telling an agent in a huge call centre there are garages to cover, and them telling you ‘it will be OK’ – does not mean you are insured. You cannot be sure they have understood your Insurance needs, or that you would be covered adequately. Ideally you need this confirmation in writing as you would do any unique arrangements that need extra cover. What matters is that the Insurance Company covers freehold properties which include leasehold garages/carports etc – and will insure all of your legal liabilities as a freeholder, including Impact and Collision – which protects the property from vehicle damage. This is about what their policy factually includes – not what a telephone sales person tells you it does.
A very basic, and you may think obvious sign, and way of checking, is to check your property is specified as ‘Coach House’ on the insurance quote. It is also good practise to get the quote in writing up front – this is not old school because it is a unique insurance need – and checking your small print first makes sure you know what you are buying. For ordinary home insurance quotes we would not recommend this as a ‘must do’, but for Coach House Insurance Quotes we would..
Do not accept any policy documents that states Detached House, Flat/Maisonette – because that is not a Coach House with leasehold garages/carports. You wouldn’t insure a Ford Fiesta and expect that to cover a BMW would you? It is the same principle.
Coach House Insurance quotes should not be more expensive that ordinary home insurance, so please do not worry – use a Coach House Insurance specialist – not an Insurer that is doing it as a one off – as they will rate the risk higher and therefore add a percentage to the premium to cover off their added risk/administration. Insurers that don’t cover coach houses on a daily basis do not have ready documents and tools to set up the policy – so all of those added costs will filter 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 offer you simple advice and guidance surround your responsibility as a freeholder/leaseholder, someone who understands the nature of the product, and can offer specific Coach House Insurance Quotes – offering you all of your options and a choice of quotes and providers.