Homeowners warned about invalidating insurance

Homeowners carrying out home improvement projects could risk invalidating their insurance policies if they do not inform their insurance provider, it has been claimed.

Neil Laird, home insurance manager of Sainsbury's Finance, said that people undertaking small DIY projects – such as changing doors – would not need to inform their insurer .

However, structural changes to the building would require the policy holder to let their provider know before they begin the work, Mr Laird advised.

We want to make sure that homeowners are aware that they could be left underinsured or even invalidate their insurance entirely in the event of an incident during or after works if they have not informed their insurer, he remarked.

Research published by Halifax Home Insurance last month noted that more than seven million UK households are living with an unfinished DIY or home improvement project.

The company warned that unqualified people attempting to carry out electrical, plumbing or building work could potentially invalidate their home insurance.

Instead, it suggested people seek professional assistance for such projects.