How can we help you and your clients?

We work with both brokers and direct clients because we know both worlds and have a market-leading scheme ready to support renovators across the UK. Our online broker portal allows you to provide a quote for your clients in a matter of minutes, choosing from our three levels of cover.

What is renovation insurance?

If your client is undertaking a renovation or conversion, they will likely need a specialist insurance policy. Many people in this position aren’t even aware that they need this and rely either on their household policy or that of their contractors, which leaves them without cover in the event of a claim.

What types of projects are covered?

With three levels of cover catering for large and small projects, along with a passionate team, we’re confident we can provide cover for your client’s project. Here’s a snapshot of what we can cover, but if it’s not listed please do get in touch with the team and we can talk through your client’s project and how you will need to insure it.

Projects covered:

  • Renovations
  • Extensions
  • Conversions
  • New builds
  • Self-builds
  • Restorations
  • Contract works

What are the core features of the insurance?

  • Covers your client’s Existing Structure & New Works
  • Flexible cover periods to fit the length of their project, from 3-36 months. Policies are extendable and refundable (subject to no claims)
  • Includes Public Liability
  • Three cover options including Restricted Perils, Wider Perils, and All Risks
  • Residential / commercial properties
  • Occupied and unoccupied properties
  • Joint Names cover available when required
  • Non-Negligent Liability as an optional extra with our Premier Plus policy

BIBA Member Benefits

As a BIBA member, you enjoy the following benefits with our scheme:

Feature BIBA Member Benefit Non-Members 
Commission 16.5% 15%
Limit on Hand Tools £5,000 £2,500
Hired in Plant £25,000 £20,000

Recent policy improvements
To adapt with the changing market, we have recently made some exciting improvements to our product including:

  • Total sum insured limit now £7.5m
  • Increased hired in plant cover available up to £100,000
  • Increased own plant/tools cover available up to £50,000

How to trade with us online

  1. Request a TOBA

Before you can trade online with us you need to have a TOBA in place. You can apply for one by filling out an online form and a member of our team will be in touch.

  1. Create your user profiles

Every individual in your business who will be using the portal will require their own individual login to trade with us. Once your TOBA has been confirmed we’ll be in touch for a list of users who will then receive their individual logins along with some useful guides.

  1. Start trading online

Once your team have their profiles set up you can start to use our portal which enables you to provide a quote to your clients with flexibility and speed. If you require any further support our team are happy to help and you can find our contact details on this page or by clicking here.

We have no minimum level of support, so once you have a TOBA in place please feel free to send us any enquires you may have, even if it is a one-off. We are proud of the relationships we have built with our brokers and we look forward to providing you and your clients with the ideal policy for their renovation or conversion project. If you require any more assistance our team are available to help and you can find their contact details within the online portal.

Guides & training

We appreciate that if you’re relatively new to renovation insurance, it can be a little intimidating which is why we have some training materials available for you.

Back to basic webinar – As a BIBA broker you can access our webinar which will take you through the basics of renovation insurance.  We also host two webinars each year so look out for the communications from BIBA to sign up and secure your place.

A Guide to Insuring a Renovation Project – This PDF guide takes you through all of the elements that you need to consider when finding insurance for your client’s project.

Cover at a glance – An easy to digest document comparing the elements of cover available.

Appetite list – so you understand what we can cover.


If you would like to speak to a member of our team please do not hesitate to get in touch with the Manager, Brooke Crisp.

01621 781 921

[email protected]

Renovation Plan is a trading name of Howden


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