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[Field Marshal Dr. Opti]

After I declined a derisory offer of £11048 to rebuild the conservatory and make good the damage in the garden, my insurance company has come back with a better offer.

The new offer  is £22773 cash payment, or £27327 if I have the work done and pay the VAT.

I'm pretty pleased with this apart from one thing. My insurance company wants me to pay the excess of £200. Surely the culpable third party insurer should be responsible for this..... and not me.

If I accept  will my premiums rise next year?

[The Red Baron]

After I declined a derisory offer of £11048 to rebuild the conservatory and make good the damage in the garden, my insurance company has come back with a better offer.

The new offer  is £22773 cash payment, or £27327 if I have the work done and pay the VAT.

I'm pretty pleased with this apart from one thing. My insurance company wants me to pay the excess of £200. Surely the culpable third party insurer should be responsible for this..... and not me.
If I accept  will my premiums rise next year?

i would have thought so.

[TheBoy]

I had to pay the excesses on mine (separately, both home and contents). In my case, though, no blame was apportioned to anyone, so there was nobody to pay for it.

[05omegav6]

They may well pay out on behalf of the TP insurer with a view to recovering ALL costs from the TP as and when they finally admit liability

At that point they would reimburse your excess and mark your file as a non fault claim.

As for your renewal, your premium will likely rise along with everybody elses But if the claim is settled and TP accept full liability before renewal, then hypothetically it shouldn't affect your renewal at all, and if it does you can always shop around

Sounds promising though and if you are responsible for arranging the repairs to your satisfaction then you should have a much less aggravating time of it than the TBs

[Field Marshal Dr. Opti]

atThey may well pay out on behalf of the TP insurer with a view to recovering ALL costs from the TP as and when they finally admit liability

At th point they would reimburse your excess and mark your file as a non fault claim.

As for your renewal, your premium will likely rise along with everybody elses But if the claim is settled and TP accept full liability before renewal, then hypothetically it shouldn't affect your renewal at all, and if it does you can always shop around

Sounds promising though and if you are responsible for arranging the repairs to your satisfaction then you should have a much less aggravating time of it than the TBs

This is what I'm hoping.

[Field Marshal Dr. Opti]

My insurer would only pay out £350 for damage to the garden because (so they tell me) that is the limit on my policy.

The quote for the garden is £4950. It looks as though I, or my insurer on my behalf, will have to claim this back from the third party.

I won't hold my breath.

[Field Marshal Dr. Opti]

I reckon these 'OOF solicitors' are better (and far less expensive) than the real thing when it comes to legal matters.

[Marks DTM Calib]

Take the higher cash figure and project mange the work yourself.

You should easily be able to get a proper room (not a crappy conservatory which is nothing more than a glorified shed) designed and built with everything fixed up for that sort of money.

[Field Marshal Dr. Opti]

Take the higher cash figure and project mange the work yourself.

You should easily be able to get a proper room (not a crappy conservatory which is nothing more than a glorified shed) designed and built with everything fixed up for that sort of money.
[/quote]

Yep.....this is why I'm pleased with the payout. The conservatory was built in 1978 and is only half a brick thick. It was basically used as a shed/garage.

[Marks DTM Calib]

My advice to anybody would be........don't go for a bloody conservatory.

For not much more you can get a proper extension which meets building regs. and adds value rather than a glorified shed and all the restrictions associated with it. 

More than happy to offer advice on Planning and Building regs etc

[Field Marshal Dr. Opti]

My advice to anybody would be........don't go for a bloody conservatory.

For not much more you can get a proper extension which meets building regs. and adds value rather than a glorified shed and all the restrictions associated with it. 

More than happy to offer advice on Planning and Building regs etc

Thanks, Mark.

[Gaffers]

My advice to anybody would be........don't go for a bloody conservatory.

For not much more you can get a proper extension which meets building regs. and adds value rather than a glorified shed and all the restrictions associated with it. 

More than happy to offer advice on Planning and Building regs etc

Yup.  I was looking at sticking a conservatory on the back of my house but after thinking about it I may as well go whole hog and do an extension/orangerie.  Initial quotes with all included were an eye watering £50k, but after going through my requirements, costing it myself and subcontracting to local builders (know them well) comes up A LOT less than that!

All banter aside, he aint half useful that Mark fella

[Marks DTM Calib]

The extension I am currently constructing is approx. 10m x 3.5m single storey

Costs so far are:

Plans - £700
Planning permission £150
Building control - £575
Skips for footings - £775
Concrete for strip foundation - £300
Materials to DPC - £700

Costed next stages are:

Drains - £250
Floor Slab - £1500 (including labour)
Underfloor heating - £1000
Construction to roof level - £2000 (including labour)
Roof structure - £1000
Roof - £1000
Velux x 2 - £1500
Windows x 2 - £800
Bi-fold Door (quad) - £1500
Insulation - £1200
Wall removal and lintel including structural engineer- £500
New Kitchen and appliances - £7000
Flooring - £1000
Furniture - £1000
TV - £1500

And that's for a pretty big construction where I had to dig down 1.7m !

[Gaffers]

 

Makes my ideas on the Orangerie look very affordable

[TheBoy]

And that's for a pretty big construction where I had to dig down 1.7m !

And Mrs DTM didn't have the urge to bury you in concrete