Can you cover a garage at a different address than the insured home?
Our standard home products sold via your software house don’t cover garages at a separate address. However, if this cover is required, we may be able to offer cover via our Your House product on Fast Trade if the garage is:
- within 1 mile of your client's home address
- not used for commercial purposes, let to others or able to be lived in
- not constructed of Asbestos, Corrugated Iron, Mundic Block, Steel Frame (other than with Brick), Thatch or prefabricated construction
Where acceptable, the cover offered would depend on the cover selected on the policy (for instance contents cover isn’t available for the garage if contents cover isn’t selected on the policy). Cover will be limited to the building sum insured shown on your schedule and the contents sum insured is limited to £2,500. The contents section will exclude theft unless someone has broken into or out of the garage by using force and violence.
If acceptable, the cover and restrictions will be shown via an endorsement on the policy.