Under construction

Building extensions, alterations, or renovations

What’s not covered

Other than the cover available under ‘Legal liability’ for Home and Contents Insurance, we don’t cover loss or damage to, or caused by, connected with or arising from, or liability caused by, connected with or arising from:

  • damage caused by cracking, collapse, subsidence or damage caused fully or partially by the construction work;
  • damage caused by a storm, flood or water entering the home through openings in the walls or roof or other unfinished parts of the home under construction, whether or not they were temporarily covered at the time of the damage;
  • damage caused by storm or flood to any part of the home that is not fully built or is undergoing extensions, alterations or renovations;
  • theft or damage by someone who enters or leaves through an unlockable part of the home that is under construction;
  • damage caused by a malicious act or vandalism to unfinished parts of the home.