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Can I insure an un-consented garage?

It is quite common for older homes and structures to have no code of compliance if it was built before legislation was required.

In the case of a garage with no code of compliance, we would require assurances that the carport would have met the building requirements at the time it was built; and if consent and code of compliance had been requested, then the council would have issued it. We also would need confirmation that the garage is structurally sound and well maintained with no known reason for the lack of compliance.

Once confirmed it is likely we would offer insurance as standard. However, if a loss arose which was a result of the non-compliance, then that claim may not be paid.

For more information, please see our guide for insuring homes without code of compliance.

To discuss your property, send us an email with further details.