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What works can I carry out to the property once I move in?

Currently, we don’t allow major structural changes, like knocking down walls or altering the foundation of the building. However, you’re welcome to do light renovations.

Types of works Acceptable Pfida approval Insurer approval

Cosmetic work
replacing carpets or painting or decorating

 ✔️

⛌

⛌
Like for like works
replacing existing kitchen units

✔️

⛌*

 ✔️**

Stud walls
Can be removed or added with the exception where the removal of a wall will reduce the number of bedrooms in a property

 

 ✔️

 

 ✔️

 

 ⛌
Electrical, gas, or plumbing ✔️ ✔️ ✔️***
Structural
Knocking holes in, demolishing or moving walls, floors, ceilings or any element of the roof space which is structurally dependent

 

⛌

 

N/A

 

N/A

Renovations
Fitting a new bathroom

 Case-by-case basis ✔️****  

*For works affecting utilities (e.g., gas supply), you’ll need our approval and written consent from your insurer confirming coverage will remain irrespective of works.

**Make sure to inform your insurer about any planned work, detailing what you’ll be doing. Get their written approval and send it to us at least two weeks before starting the renovations.

** *You’ll need to share your proposals and any required documents so we can review them. If we agree, we might need to value the property both before renovations start and after the work is done.
Pfida Help V3210123456

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The content of this website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000.

Reliance on this website for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of the property or other assets invested or of incurring additional liability.

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