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That's fine, but we were only offered BI at about £1500 a year and were locked out of any online purchase - which is all things considered completely mental.
And the owner couldn't hand over their policy to us.
Maybe it's random and they just didn't like the look of us. But this was for work that was done twenty years ago.
Even in your situation which seems fine, 'needing to use a specialist insurer' is not on anyone's positives list when considering a property.
Howard-
Yeah that’s not great. I’m using ‘specialist’ loosely tbh though https://www.homeprotect.co.uk/ and I’ve gone through the normal comparison sites to get there.
Buildings and contents is less than 1/3rd your quote. Obviously there are a vast number of variables in play!
Dramatic_Hammer
We have not found this, despite having the vendors insurance details and various people making a big deal out of it. A quote I got before we moved in was cheaper than the shared documents and since then our most recent (specialist) insurer just laughed and said it didn’t count as it was 30-odd years ago. I can’t remember what they said the cutoff was but it was a lot lower than I imagined (10-15 yrs).