Insurance for Non Council Approved Structures

Insurance for non council approved structures is available, but can be more expensive and harder to obtain. Building without council approval can also result in legal and financial consequences.

Non council approved structures, such as sheds or garages, may require additional insurance coverage to protect against damage or theft, as well as potential liability issues. Building structures without council approval can be tempting due to the cost savings and time involved in obtaining approval.

However, it is important to consider the potential risks and consequences of doing so. Not only can it lead to legal and financial issues, but it can also affect insurance coverage. Specific insurance policies may be required for non council approved structures, as they may not be covered under a standard property insurance policy. This article explores the risks and insurance options for non council approved structures.

Insurance for Non Council Approved Structures


Understanding Non Council Approved Structures

Definition Of Non Council Approved Structures

Non council approved structures are buildings or constructions that have been erected without obtaining the necessary permits and approvals from their local council. These structures may include sheds, carports, garages, or even entire living spaces, and are often built without adhering to the required building codes and standards.

Some common reasons for constructing non-approved structures are lack of funds, time, or knowledge of the building requirements. While these may seem like reasonable excuses, it is important to note that building a structure without proper approval puts the owner at risk of violating local laws and regulations, which may result in fines and legal action.

Different Types Of Non Council Approved Structures

There are various types of non-approved structures that homeowners may build on their property, including:

  • Sheds
  • Carports
  • Garages
  • Granny flats or secondary dwellings
  • Decking or patios
  • Fences
  • Swimming pools

It’s essential to note that any structure that requires a building permit from the local council falls under the ‘non-approved’ category if the permit has not been obtained.

Risks Of Not Having Insurance For Non Council Approved Structures

Building a non-approved structure not only puts the homeowner in breach of local council regulations, but it also poses significant risks. Without adequate insurance, the owner may face financial losses in the event of damage or destruction of the non-approved structure.

Some potential risks of not having insurance for non-approved structures include:

  • Absence of protection against natural disasters, such as fires, floods, storms, or lightning strikes.
  • Limited protection against theft or malicious damage.
  • Financial exposure in case of third-party property damage or personal injury on the owner’s property.
  • Legal repercussions for violating local laws and regulations.

Having appropriate insurance coverage is essential for homeowners who have non-approved structures on their property. It offers peace of mind and financial protection in case of unforeseen events, ensuring that the homeowner is not left with hefty repair bills or legal fees.

Insurance Options For Non Council Approved Structures

Insurance For Non Council Approved Structures

If you own a non-council approved structure, such as a shed or an extension to your home, you may be concerned about finding insurance coverage. While it’s true that some insurance companies will not provide coverage for structures that do not have council approval, there are still options available to you.

We’ll discuss the insurance options for non-council approved structures.

Availability Of Different Insurance Options

There are a few different insurance options available for non-council approved structures:

  • Specialist non-conventional insurance: Some insurers specialize in providing insurance for non-conventional structures. This type of insurance may come with higher premiums and excesses due to the perceived risk, but it’s an option worth exploring.
  • General insurance policy: Some general insurance policies may cover non-council approved structures. It’s important to check the terms and conditions of your policy or consult with your provider to see if this is an option.
  • Self-insurance: Self-insurance involves setting aside money to cover any damages or losses that may arise. While this option may be cost-effective in the short term, it can lead to financial strain in the long term.

Criteria For Choosing The Right Insurance

When choosing insurance for a non-council approved structure, there are several criteria to consider:

  • Coverage: Ensure that your insurance coverage includes the structure in question, as well as any contents or equipment within it.
  • Excesses: Check the excesses and the amount you need to pay in the event of a claim. Ensure that it’s affordable and would not leave you feeling financially overburdened.
  • Policy limits: Understand the limits of your policy, such as the maximum amount it will pay out in the event of a claim. Ensure that the limit is enough to cover any potential losses or damages.
  • Reputation of insurer: Research the reputation of the insurer you are considering and read reviews from customers who have made claims. This will give you an idea of their reliability and customer service levels.
  • Cost: Compare the costs of different insurance options and ensure that they are within your budget.

Cost Considerations

When choosing insurance for non-council approved structures, it’s important to factor in the cost. Insurers may view non-conventional structures as higher risk, which means premiums and excesses can be more expensive. Here are some ways to save money on insurance:

  • Improve security: Installing security systems or making structural improvements can reduce the perceived risk of your non-conventional structure. This, in turn, can lead to lower insurance premiums.
  • Shop around: Compare the costs and benefits of different insurance options to find a policy that works for your budget.
  • Increase deductible: Increasing the amount you are willing to pay in the event of a claim can lead to lower premiums. However, ensure you understand the financial implications of this before increasing your deductible.

If you have a non-council approved structure and are seeking insurance coverage, there are several options available. However, it’s essential to conduct thorough research to understand the criteria for choosing the right insurance and factor in the cost considerations before making a final decision.

Assessment For Insurance Coverage

Understanding The Assessment Process

When it comes to insurance coverage for non council-approved structures, the assessment process can be quite different from traditional structures. Here is what you need to know about it:

  • Insurance providers will assess the risks associated with your structure to determine suitable coverage and premiums.
  • Assessments may include factors such as location, materials used, age of structure, and intended use.
  • The insurance provider may also request inspection reports or documentation from an engineer or architect to evaluate the structure’s stability and safety.

Document Requirements For Claims

In the unfortunate event that you need to make a claim, it is important to have the necessary documents to ensure a smooth and successful process. Here are some of the documents that may be required:

  • Proof of ownership and occupancy of the structure
  • A police report (if applicable)
  • Contractor estimates or repair bills for damages
  • Photographs of the damages or incidents leading to the claim

Having these documents at hand can prevent delays and ensure that your claim is promptly processed.

Commonly Covered Risks And Exclusions

Insurance coverage for non council-approved structures can vary depending on the provider and the policy. However, some commonly covered and excluded risks include:

Covered risks:

  • Fire and lightning
  • Theft and vandalism
  • Accidental damage or loss
  • Water damage from burst pipes or storms

Excluded risks:

  • Earthquakes or landslides
  • Floods
  • War or acts of terrorism
  • Wear and tear or poor maintenance

It is important to thoroughly read and understand your policy to know what risks you are covered for and what exclusions apply. Make sure to ask your insurance provider for clarification if needed.

Steps To Take Without Insurance Coverage

Mitigation Options For Risks

If you have a non-approved structure on your property, insurance providers may not offer coverage for damage related to it. In such cases, you can take some steps to mitigate the possible risks. Here are some options to consider:

  • Inspect the structure regularly to identify any problems before they worsen and become a danger.
  • Remove any hazardous or flammable materials from the vicinity of the structure.
  • Limit access to the area around the structure to prevent accidents.
  • Consider making improvements to the structure to increase its safety and reduce the likelihood of damage.

Legal Implications Of Non-Compliance

Building a structure without council approval may have legal implications, which can lead to legal battles and fines. Here are some legal considerations to keep in mind:

  • Local governments have the power to issue fines or demolition orders for non-approved structures.
  • In case of an accident, liability may fall solely on the owner of the property, as insurance providers may deny coverage.
  • Non-compliance with building codes and regulations may lead to criminal charges and further legal penalties.

Available Support For Non-Insured Non Council Approved Structures

If you own an uninsured non-approved structure, you still have some options for help in dealing with potential issues. Consider the following sources of support:

  • Professional advice from architects or engineers can help assess the safety of the structure and identify the necessary improvements.
  • Non-profit organizations and legal clinics may provide legal aid and guidance on navigating the legal system.
  • Local governments may offer resources and assistance in demolishing or making improvements to the structure.

Non-approved structures pose a significant challenge when it comes to insurance coverage. However, by taking steps to mitigate risks, being aware of the legal implications and seeking support, individuals can better handle the potential consequences of owning such structures.

Frequently Asked Questions Of Insurance For Non Council Approved Structures

What Is Non Council Approved Structure Insurance?

Non council approved structure insurance provides protection and cover for structures that don’t have council approval. These might be things like sheds and garages or other structures added without council permission.

What Kind Of Structures Need This Insurance?

Non council approved structure insurance is designed for structures such as sheds, garages, and other outdoor buildings that have been built or altered without council approval.

Why Is This Insurance Necessary?

If your structure does not have council approval, you may be held liable for any damage or injuries it causes. Non council approved structure insurance is designed to provide protection and peace of mind for owners of these structures.

What Does This Insurance Cover?

Non council approved structure insurance typically covers damage to the structure and any injuries caused by the structure. Some policies may also cover legal expenses associated with defending against a claim related to the structure.

How Much Does This Insurance Cost?

The cost of non council approved structure insurance varies depending on several factors, such as the size and type of structure, location, and previous history. It’s best to get a quote from an insurance provider to find out the cost for your specific situation.

Who Sells Non Council Approved Structure Insurance?

Some insurance companies offer non council approved structure insurance. It’s a good idea to shop around and compare different providers to find the best coverage and pricing for your needs.


Protecting your property is essential for your peace of mind. Insurance for non-council approved structures provides the necessary security for structures that are built without council approval. While it is not recommended to build any structure without proper approvals, we understand that for some, certain circumstances may require it.

However, without insurance, these structures may lose out on coverage in case of mishaps such as fire, theft, or accidental damage. Getting insurance for non-council approved structures is a responsible and smart decision, not only for your immediate safety but your long-term financial security.

Choose a reputable insurance provider and ensure that you have the right coverage to meet your needs. With the right insurance policy, you can feel confident that your non-council approved structure is protected no matter what the future holds.

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