jo-ann

Can someone give me some idea of what the cost would be to rebuild a 4 bedroom villa, with cellar, separate double garage and pool house. I need this for what to quote for insurance purposes. Also are solar panels regarded as contents or are they included as part of the house.

Mark Paddon

I have just written an article on this very subject for a local paper, which is available via www.inlandtrader.com 'How much should I insure my house for?'
It includes some guide formulas to use when calculating buildings insurance. You should really ask the insurance company if the solar system is covered (normally would be under heating/ services) but it's worth checking. If you can't find the article, email me [email protected] and I will send you a copy in word.

Hillybilly

With my insurance, the solar panels are a separate item, not included in the contents. They are covered, but with a higher excess than other items and you have to make them inaccessible.

jo-ann

How on earth do you make solar panels inaccessible? They are on top of the roof so all one needs is a ladder

betris

They do get stolen and they are valuble if you have a bank of 5 or 6 this amounts to a large sum of dosh.

Hillybilly

Having to use a ladder would count as inaccessible. They mean not mounted on the ground, or accessible via a fixed staircase without a lockable gate etc.

jo-ann

Oh that makes ours inaccessible as cannot get to them without a ladder. I know they can be stolen as friends of ours have had 4 panels pinched

Mark Paddon

Try www.inlandtrader.net for the insurance article. The .com address does not seem to link.