Can I insure an un-consented garage?
It’s common for older houses to have un-consented garages. Usually this is because a garage was added to the house without a full code of compliance being approved. This doesn’t necessarily mean the garage isn’t up to standards and can’t be covered.
To cover an un-consented garage it will need to meet the below requirements:
- Garage is structurally sound, well maintained and has no known defects.
- Structure would have met building requirements at the time it was built.
- If code of compliance was requested, it would have been issued.
If you can meet the above then it’s likely we can provide cover on our standard terms. However, if there’s a loss that’s directly cause by the garage’s non-compliance or because it isn’t built to standards, it may not be covered.
You’ll also need to disclose the un-consented garage on your application.
For more information see our full guide on insuring un-consented houses here.
Other articles of interest
Do you need confirmation of cover?
What is initio and how does it work?
Initio’s policy wordings
What we do not cover at initio