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Insurance for house with flat roof

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  • 10-05-2013 11:20am
    #1
    Declan1
    Registered Users Posts: 212 ✭✭


    Hello

    Called Axa yesterday looking for a quote for home insurance but they wouldn't talk to me as the house has a flat roof. A call to chill.ie met with the same response.

    House is a few years old, built to very high spec. Roof is totally flat.

    Looking for pointers anybody may have on which companies will quote on this.

    Thanks.


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    #2
    murphaph
    Registered Users Posts: 19,020 ✭✭✭✭murphaph


    Try FBD


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    #3
    peteb2
    Registered Users Posts: 1,813 ✭✭✭peteb2


    FBD are a straight decline on flat roofs so don't bother. Probably someone like Alan B Kidd or Finsure that have household schemes with Lloyds underwriters for non-standard properties.


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    #4
    murphaph
    Registered Users Posts: 19,020 ✭✭✭✭murphaph


    peteb2 wrote: »
    FBD are a straight decline on flat roofs so don't bother. Probably someone like Alan B Kidd or Finsure that have household schemes with Lloyds underwriters for non-standard properties.
    We have a property with a flat roof insured with FBD, so a straight decline they aren't. They came to look at ours however as it's part of a mixed commercial property.


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    #5
    pippip
    Registered Users Posts: 2,249 ✭✭✭pippip


    Currently going to prestige through a broker. Although I think it needs an inspection each year. Only got a quote as currently sale agreed.


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    #6
    chillywilly
    Registered Users Posts: 2,793 ✭✭✭chillywilly


    Chill are a broker so I'm surprised they didn't have anyone to accommadate you. Was there any other reason given? Like claims or if the house was over 100 yers old?

    Anyway, ring Finsure. They are definitely your best bet. They specialise in flat roof houses. (Im an insurance broker).


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    #7
    pippip
    Registered Users Posts: 2,249 ✭✭✭pippip


    chillywilly wrote: »
    Chill are a broker so I'm surprised they didn't have anyone to accommadate you. Was there any other reason given? Like claims or if the house was over 100 yers old?

    Anyway, ring Finsure. They are definitely your best bet. They specialise in flat roof houses. (Im an insurance broker).

    Finsure were a funny one with me. As you said flat roof all over their site. I rang them and once I mentioned it was a concrete roof they classed it as a "standard" roof and passed me off saying anyone should be able to quote for that..... which they won't. Going to shop around again next year.


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    #8
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    pippip wrote: »
    Finsure were a funny one with me. As you said flat roof all over their site. I rang them and once I mentioned it was a concrete roof they classed it as a "standard" roof and passed me off saying anyone should be able to quote for that..... which they won't. Going to shop around again next year.
    A (full) concrete roof is usually treated as standard by Insurers in my experience


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    #9
    chillywilly
    Registered Users Posts: 2,793 ✭✭✭chillywilly


    pippip wrote: »
    Finsure were a funny one with me. As you said flat roof all over their site. I rang them and once I mentioned it was a concrete roof they classed it as a "standard" roof and passed me off saying anyone should be able to quote for that..... which they won't. Going to shop around again next year.

    Aviva treat a 100% concrete flat roof as standard. Let me know how you get on.


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