On properties that have suffered subsidence or subsidence issues, or mining issues or historic movement. Things to note!
If the subsidence excess exceeds £1500 or even, £1000 with some lenders like Nationwide Building Society the mortgage is invalid so please do not buy policies with large subsidence excesses as you are throwing away your money Yes you should expect to pay a bit for the premium but not vastly more!
Only buy a policy that has the right excess with a guarantee that when you rent out or sell the property that the policy will continue
NEVER EVER BUY COVER WITHOUT SUBSIDENCE COVER
Just because most insurers scare the buying by saying that you cannot get cover if the house has subsidence issues don’t be forced to stick with the same mainstream insurer paying vast premiums that particularly applies to the older generation who have policies with the likes of SAGA or Castlecover or RIAS
Please do ask our experts for a no obligation quotation WITHOUT THE NEED FOR FRESH SURVEY REPORTS OR UPFRONT SURVEY CHARGES you could be pleasantly surprised at the saving, contact us for your subsidence or underpinned house insurance