Thatch Cover

27/08/2026

We have a secret... but we can't show you everything just yet.

Behind the scenes, we are pulling back the curtain on something big. This major development is all focused on further improving and maximising our ability to find great cover for your thatched property at the lowest possible premium.

Stay tuned for the full reveal very soon.

25/02/2026

If you have a working fireplace or stove in a thatched home, chimney maintenance isn’t just good practice — it’s essential for safety and insurance compliance.

Most thatch insurers require chimneys to be swept twice per year, and the midpoint of the burning season is widely considered the best time for one of those sweeps.

Why halfway through the burning season?

✅ Creosote builds up fastest during regular winter use — removing it midway reduces chimney fire risk.
✅ Keeps airflow efficient, helping fires burn cleaner and safer.
✅ Aligns with insurer requirements — many policies specifically require twice-yearly sweeping with records retained.
✅ Peace of mind when your fire is in frequent use.

Check your policy wording

Always review your policy endorsements carefully — chimney sweeping conditions are often written as strict requirements. Not complying with the exact wording (frequency, certification, type of appliance covered, etc.) could affect claims.

Backed by industry guidance

This approach is consistent with advice from the Fire Service, HETAS, and findings from recent forensic fire investigations — all of which highlight that soot and tar build-up during peak usage periods significantly increases fire risk in thatched properties.

👉 Tip: Use a qualified chimney sweep and keep certificates safely — insurers may request them if a claim arises.

A simple job, done at the right time and in line with your policy wording, can make a huge difference to safety, compliance, and protecting your home.

03/11/2025

We don't just look after you at year one.

Last month, hundreds of our existing customers renewed their policies with us — with only two choosing to go elsewhere.

It’s a testament to the service, expertise, and attention to detail that make our market-leading renewal process stand out.

Find out why so many thatched homeowners choose to stay with us year after year.
📞 01392 409464
🌐 www.thatchcover.co.uk

30/10/2025

https://www.eadt.co.uk/news/25575762.cause-fire-rickinghall-thatched-home-revealed/

The cause of a fire in a thatched cottage in Rickinghall at the weekend has now been revealed by Suffolk Fire and Rescue Service.

02/10/2025

Well, we're very proud of this...

30/09/2025

25/03/2025

Heartbreaking news of yet another thatch fire this month. In this case, the contents were uninsured due to the occupier of 67 years being "unable to renew her contents insurance". If you're struggling to find insurance for a thatched property, try a specialist broker.

The 74-year-old's thatched cottage in Aberfeldy was destroyed in the blaze.

24/01/2025

Myth-Busting Common Misconceptions: Transferring Insurance Cover from Vendor to Buyer

"I’ve just purchased a thatched property that you currently insure. Can you put the policy in my name, please?"

This is a question we hear quite often, and we truly appreciate when our existing customers recommend us. It's always an advantage when we currently insure a property—our files often include helpful documentation (shared with permission from the vendor, minus any personal details, of course).

However, transferring an insurance policy isn’t as simple as just changing the name on it. Policies are tailored to individual policyholders, and several factors are taken in to account, such as:
✔️ Customer age
✔️ Occupation
✔️ Length of time cover has been held
✔️ No claims discount

Additionally, new buyers often have different insurance needs, such as:
🔹 Contents cover levels (higher, lower, or none)
🔹 Adding or changing personal possessions cover
🔹 Property usage changes (e.g., business use, letting, or unoccupied status)
🔹 Deciding on optional extras like accidental damage, legal protection, or home emergency cover

Important Reminder:
One scenario we occasionally encounter involves discrepancies in property risk details. For example, new buyers might obtain a RICS reinstatement valuation that differs significantly from the vendor’s insured figure. While it’s the policyholder’s responsibility to ensure disclosures are accurate, buyers sometimes assume the vendor's information is always correct. Unfortunately, this isn’t always the case.

COMING SOON:
We’ll soon release a "Guide to Insuring Your First Thatched Home" to help simplify the process of obtaining and comparing quotes for your new home.

In the meantime, speak with one of our experts—we’d be delighted to guide you through the process and ensure you get the right cover for your needs.

18/12/2024

For any claims related matters, please refer to your policy documentation for direct contact details.