Home insurance designed for BISF homes
At CoverBuilder, we specialise in providing BISF home insurance for customers with a steel frame house. In addition to this, we provide highly competitive premiums. We have therefore designed our policies with a knowledge and understanding of the construction methods and quirks of a BISF home. This means if there is a need to claim for structural damage then the process is more straightforward. You can fully quote online for your BISF property. Simply select the ‘Steel’ construction type during the quote. You will then get an instant price and be able to buy online.
As well as our standard policy benefits our BISF cover offers;
- Specialist cover for BISF property construction methods
- Competitive premiums for BISF houses
- Standard excesses apply
- Claims handlers experienced with BISF
- Full online quote, purchase and policy management
- Average call centre answer time under 1 minute
Chat with an insurance expert
We’re here and ready to help to make sure you get an insurance policy that matches your BISF home insurance needs. Just click the chat option in the bottom right of the screen or give us a call on 0333 358 3359.
Why choose CoverBuilder for BISF Home Insurance?
We work with a panel of underwriters who can specifically offer competitive cover to customers who have a BISF home. We’ve designed our website to quote for BISF house online and with instant cover.
- Our quotes are 100% online meaning no lengthy phone call referrals
- Offering competitive rates for those with a BISF Home property construction type
- A wide range of acceptance criteria
- Instant online decision & acceptance
- Standard policy excesses apply unless otherwise stated in policy documents
- Instant Cover
MORE ABOUT BISF PROPERTY INSURANCE
BIFS houses are steel framed houses built by the British Iron and Steel Federation from 1946. The number of these homes built across the country is approximately 50,000, predominantly in pairs although there were terraces.
BISF house design
The BISF house is a pre-fabricated steel design originally built with a shallow pitched asbestos roof. Often they feature panelling to the upper level and render to the ground level. Between the metal frames are timber struts and insulation with an inner plasterboard or hardboard which originally had a design life of between ten and twenty years. BISF houses are often confused with other prefabricated houses, particularly those built in the same post-war era. One common misconception is that they are simply temporary structures. However, the lifespan of these properties should be similar to that of a traditional brick built house. This is another reason that mortgage companies place more stringent conditions when offering on these properties.
Specific BISF house property issues
- Roofing contains asbestos which is extremely hazardous to health if disrupted.
- Structure can suffer deterioration at the base of the steel structure, window surrounds and as a result of humidity in rooms such as bathrooms and kitchens.
- Insulation can result in condensation. Rectification work often needs to be done with the neighbouring property, although due to issues of access this can be difficult.
Post-war prefabricated property construction types
If you have any of the following property types, we have a specialist policy to match your needs.
Introduced by Clydebank Town Council in Scotland as experimental temporary homes after the Second World War.
Due to the shortage of bricklaying skills post-war, new techniques were sought to rapidly build housing stock. Building from steel and concrete was the solution to the brick laying shortage.
Other construction types include, Hawksley Homes, Newland Homes and Riley Homes.