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Yes, you will need to cancel your home insurance when you sell your house. Your existing policy is specific to the property listed on it, so once you no longer own that property, the insurance coverage must be terminated. However, here are a few key points to consider: Exchanged Contracts: If you have exchanged contracts to sell your home, the buyer may benefit from the insurance under your policy until the sale is completed, provided they do not have insurance cover elsewhere​. Cancellation Process: To cancel your policy, you will need to inform your insurer. They will calculate any refund on a pro-rata basis for the unused portion of your premium, minus any applicable fees​. No Loss of Premium: If you are in the process of moving to a new property, some insurers allow you to transfer your policy to the new home, subject to their approval. This could avoid losing any premium you’ve already paid​.

Quick answer (TL;DR) Yes, Intelligent Insurance can usually insure properties constructed with Structural Insulated Panels. Cover excludes loss or damage caused by faulty workmanship, defective design or materials, exactly as for any other build type. Why SIPs are treated as “non-standard” Characteristic Why underwriters need more detail Timber-framed load-bearing shell Timber behaves differently from masonry in fire and flood scenarios. Integral rigid-foam insulation Integral rigid-foam insulation Off-site manufacture Quality is excellent when certified – but a small number of rogue kits exist, so we look for BBA-approved panel systems or a recognised warranty. What information you’ll be asked for Panel system & certs: Make/manufacturer, BBA or ETA approval, structural-warranty provider. Construction date or stage: Finished, under renovation or still being built? External cladding & roof type: Brick slip, render, timber, tile, metal? Any unusual foundations or ground-floor system: Raft slab, insulated slab, suspended timber, etc. Heating & ventilation: MVHR, heat pump, wood stove? (helps us gauge fire & escape-of-water risk). How cover looks once the policy is live: Scenario Buildings / Contents response Notes Fire, storm, theft, escape of water Covered up to your sums-insured, just like a masonry house Sums-insured should reflect the (often higher) specialist rebuild cost of SIPs Accidental Damage (e.g. drilling through a panel’s vapour barrier) Covered if you’ve taken the optional Accidental Damage extension Exclusion still applies for poor workmanship Gradual damp from a tiny leak inside the panel Not covered – regarded as gradual deterioration Prompt leak detection is critical in airtight builds. Major alteration / extension using SIPs Treats the home as “under renovation” until signed off; some perils may be limited (e.g. theft/malicious) Tell us before work starts so we can keep cover seamless. Tips for smoother quoting & claims: Keep your warranty & completion certificate handy. Review your Buildings sum-insured – SIP rebuilds can cost 15–25 % more than equivalent brick/block. Install leak-detection sensors in wet rooms and plant areas. Maintain the cladding – intact external skin prevents UV and moisture damage to the panels.

Short answer: Most renters take out tenants’ contents insurance to protect their belongings. Buildings insurance is the landlord’s responsibility. Core cover Contents insurance (at the address you rent): Protects your belongings (e.g. furniture, clothes, electronics) against insured events such as fire, theft and escape of water.

Quick answer (TL;DR) Where the problem happens What our core Buildings & Contents insurance does Extra help you can add Damage caused by wasps (chewed timber, plaster, wiring, etc.) Not covered. All policies exclude loss or damage “caused by vermin, insects, pets” – and wasps count as insects. n/a Getting a nest removed inside the home Not covered under Buildings/Contents. Our FREE Home Emergency cover (included automatically) will pay up to £250 per call-out to make the home safe and remove pests such as wasps. Bigger infestations or nests in hard-to-reach areas n/a Home Emergency Plus (optional upgrade) raises the call-out limit to £1,000 Why normal Buildings & Contents insurance won’t pay for wasp damage The policy’s general exclusions list any loss or damage “caused by vermin, insects or pets.” Once an event is on that list, it’s outside the cover – even if the insects later trigger other problems such as damp, staining or minor structural decay. Important nuance: if a completely separate insured peril follows (e.g. a lightning strike sets the loft on fire), the fire damage is covered; but repairing the original insect damage to joists or insulation is not. How Home Emergency cover helps Rapid call-out: A specialist pest-control contractor is dispatched 24/7. Make-safe first: They’ll locate and neutralise the nest and seal obvious entry points so you can safely re-enter the area. Cost limits: Standard Home Emergency pays up to £250 per incident; Home Emergency Plus £1,000. Any cosmetic or structural repairs after removal fall back on you (or a separate Buildings claim if an insured peril – like fire – has occurred). Staying protected – tips Act fast: The earlier you spot a nest (look for increased wasp traffic in and out of a single hole), the easier and cheaper the removal. Avoid DIY in lofts or cavities: Disturbing a nest can provoke swarms and cause wider damage; use the emergency helpline instead. Keep proof: Save any contractor invoices/photos in case you later need to show that professional removal was done. Need more detail on Home Emergency options or next-step advice? Start a live chat with us now – we’re happy to help.