What is underpinning on a house?
Underpinning a house is a construction method used to strengthen a building’s foundations because they are no longer strong enough to support your property anymore. This is usually due to subsidence-related changes caused by:
- More or less moisture in the soil
- The presence of large trees nearby
- Natural disasters in the area, such as repeated floods, droughts or earthquakes
- Major renovations and extensions
- New constructions in the surrounding area affecting the distribution of soil
Does standard house insurance cover underpinning?
Most standard insurers do not cover properties with previous underpinning as standard, so it’s a good idea to check your policy if you’re unsure.
If your property has had recent issues with subsidence or has been underpinned while your standard home insurance policy is still active and you haven’t disclosed this to your insurer, your insurance policy could be voided or cancelled. It’s important to keep your insurance provider up to date with any structural changes to your property.
Get a Underpinned House Insurance Quote
What if I’ve already disclosed an issue with subsidence?
In cases where you’ve already taken out subsidence home insurance and have decided to underpin the property to prevent further subsidence, we can help you get the right cover to keep your home protected once it’s been underpinned.
Extra Benefits
Travel Insurance
Flexible Travel Insurance
Whether you’re lounging on the beach or hitting the slopes, having the right travel insurance can mean the difference between the holiday of a lifetime and a financial headache.
Providing up to £5,000 if your trip is cancelled or cut short, up to £15million medical expenses, £250 money and document cover, £2,000 baggage cover, and £2million personal liability insurance, you’ll be fully covered, no matter what happens.
Click find out more to get more information, or speak to a member of our team today to get your quote.
Gadget Insurance
Gadget Insurance
Is there anything more annoying than your mobile phone breaking, or your laptop deciding not to turn on?
Gadgets have virtually become an extra limb in the 21st century, so why wouldn’t you protect your mobile phone, laptop, games console or tablet in the same way you would protect your home or car?
For as little as per year, you can have peace of mind that your gadgets are insured, should they be damaged, suffer a mechanical failure or stolen, wherever you are in the world and are covered up to £1,500 per claim without affecting your home insurance no claims bonus. Whatsmore there are no limits on the amount of gadgets on your policy.
Adrian Flux specialists have access to a national network of companies so you can be confident of getting a fast and efficient service, should the worst happen to your gadgets.
Home Emergency Cover
Home Emergency Cover
From leaking pipes to blocked drains, electrical failures to boiler breakdowns, if emergency strikes, having the right insurance can save you time, headaches, and money.
With home emergency insurance from Adrian Flux, you can get your home covered for a wide variety of issues, with tailored cover and flexible payment options, keeping you safe year-round without breaking the bank.
To find out more about our home emergency cover, and all of our home insurance policies, speak to a member of our team today.
Home Keycare
Home Keycare
For just a year, we can cover the costs involved with getting back inside your house, whether your keys have been stolen, locked inside your home or vehicle, or lost for 48 hours. We provide you with a fob and can cover all the keys attached to it, including those for your home, car and office.
Our keycare insurance covers the cost of replacing your keys, changing the locks, and hiring a locksmith up to a value of £1,500 per fob per year.
Better yet, there’s no excess to pay; all you have to pay is the annual charge of .
For more information and to add keycare to your policy, speak to a member of our team today.
Home Legal Protection
Home Legal Protection Insurance
There are 50,000 reasons why home legal protection cover, or family legal protection, is a smart idea.
Home legal protection cover provides peace of mind against the threat of being sued and, in the event that you have to pursue a civil claim, it will provide cover for your legal expenses, up to a certain amount.
Home legal protection provides up to £50,000 indemnity for you and the people that matter to you: the family you live with, your spouse or partner, your parents or parents-in-law, and your children under the age of 21.
There are four main areas of cover: Personal Injury, Your Home, Services & Personal Property and Employment.
Does underpinning affect insurance?
Yes, underpinning is likely to affect the cost of your insurance, though the level of impact this will have varies depending on a number of factors.
For instance, insurance for a house that was underpinned several years ago and has shown no further signs of subsidence since the foundations were strengthened is unlikely to be much more expensive than a policy for a property without underpinning.
On the other hand, if your property has very recently been underpinned or shows signs of further movement, you might find that your premium or cover is more affected.
Talk to us about your situation for a fair quote. We ensure you’re covered for the higher risks associated with owning an underpinned property.
Can I get house insurance if my house is underpinned?
Although you might find that some mainstream insurance companies don’t offer house insurance for underpinned properties, we can help you get a quote. By speaking with us directly, our knowledgeable household team uses your information to understand your situation so they can compare quotes and find the best policy for your needs.
Over 82.4% of customers who got an online quote could have saved money if they’d called us instead.
Which types of home insurance do you offer?
We offer buildings insurance, contents cover, and combined cover for both:
- Buildings insurance: this insures the main structure of your house and will cover you for the expenses involved with rebuilding or repair.
- Contents insurance: this covers the personal belongings and possessions in your home against theft, loss and damage.
- Combined cover: this combines buildings and contents cover and is often more cost-effective than buying the policies separately.
Why choose Adrian Flux for underpinned house insurance?
When you call us, you’ll receive the attention of a specialist who’s well versed in underpinned properties and their unique needs. Our cover includes:
- Full cover for underpinned properties, including listed buildings
- Claims hotline with counselling support
- Domestic Assistance Helpline with advice and contact details for tradesmen
- Discounts for alarms and security locks
- Discount when you take buildings and contents cover
