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  • Friday

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Key, Baines House,

4 Midgery Court, Fulwood,

Preston, PR2 9ZH


0808 252 9170

Is there an 'act of God' exclusion in insurance policies?

25 August 2010

People looking into equity release may be interested to hear that contrary to popular belief, there is no "act of God" exclusion in insurance policies, it has been stated.

The Association of British Insurers has published a list of myths and facts that over-55s exploring how the value of their home could provide extra funds for their retirement may want to take note of.

Extra value achieved through home improvements such as house extensions, new kitchens and bathrooms should be reflected in the sum insured when renewing cover, the organisation said.

Over-55s concerned about their house becoming uninsurable should it suffer subsidence need not fear as this will usually be covered by buildings insurance and there are some schemes that provide protection to properties with a history of this.

Having everything in order is important especially if planning to release some equity from the value of a property, which is a means of raising extra money in retirement for travel or any other reason.

The equity release calculator from Key can help people find out how they can go about this.

Posted by Tom Papworth

Page last updated: Friday 28 September 2018