YOUR REBUILD COST ESTIMATE Get a quote£99 Desktop Rebuild Report

BCIS recommended rebuild cost

Dave's gone very quiet.

…ok fine.– Dave

Basic quality

Recommended

Excellent quality

What this is based on

Is your sum insured at least ?

If it's lower, a claim could be paid in proportion. That's the average clause, and it applies to partial claims too. We'll check your cover for free: call 01296 329610 or visit insurance-desk.com/quote-now.

Good to know

  1. This is an estimate based on minimal details. Listed buildings or properties with special or unusual features need professional advice.
  2. External works (walls, drives, outbuildings) aren't included. The floor area is all floors added together, measured from the outside.
  3. Want more certainty? Our Desktop Rebuild Report is £99: insurance-desk.com/desktop-rebuild-report.
Estimate from BCIS, the Building Cost Information Service (bcis.co.uk). Report copyright BCIS. Insurance-Desk is a trading name of J R Cox, authorised and regulated by the Financial Conduct Authority, FRN 305402. 01296 329610 · [email protected]
[email protected] 01296 329610

FREE REBUILD CHECK · ABOUT 2 MINUTES

Dave down the pub reckons £130k.

Dave's never priced scaffolding.

Your buildings cover should match what it would cost to rebuild your property: demolition, debris, professional fees and the build itself. Not the sale price. Not a guess. Check yours with the BCIS rebuild calculator.

Check my rebuild figure Free. Instant BCIS estimate. No obligation.
D

Dave

Down the pub · Valuer of everything

★★★★★
self-rated

£130k

sorted – Dave

Illustrative rebuild: £390k

Dave's guess vs what a rebuild could actually cost.

DAVE'S GUESS

£130,000

Based on: a pint and a feeling.

ILLUSTRATIVE REBUILD COST*

£390,000

Only £260k out, Dave. That's 43,333 pints.

DemolitionTaking down what's left safely.
Debris removalSkips, lorries and tipping fees.
Professional feesArchitects, surveyors, planning.
The rebuildTo today's building regulations.

*Illustration only, not a valuation. Your property's figure will differ.

£57,000 claim. £19,000 paid.

Nothing personal, just maths.

If your policy has an average condition and the property is insured below its rebuild cost, the insurer may reduce a claim in proportion. It depends on your policy wording and circumstances.

ILLUSTRATION

Rebuild cost£390,000
Sum insured£130,000
Insured at33%
Escape of water claim£57,000
Could be paid (× 33%)~£19,000
Potential shortfall£38,000
Or, in pints (at £6)6,333 pints
D "7%? I'm definitely in that."

OUT OF EVERY 100 PROPERTIES ASSESSED*

0%

Got their rebuild figure right.

Out of 43,000+ properties assessed, 70% were underinsured and only 7% were insured accurately. Two minutes is all it takes to check yours.

Be the 7%

*RebuildCostASSESSMENT analysis of 43,000+ comprehensive property assessments, 2025.

THE REBUILD CHECK

Eight quick questions. One proper number.

At the end you get✓ Your rebuild figure on screen✓ A PDF report to download✓ A copy emailed to you

QUESTION 1 OF 8

Don't ask Dave. Ask us.

The calculator is for standard residential properties. If yours is one of these, talk to the team about the right rebuild assessment.

D

DESKTOP REBUILD REPORT

£99

A rebuild assessment for properties the free calculator can't handle, prepared from the details you give us.

Order a report

TALK IT THROUGH

Not sure which you need? Ask us, not Dave.

Call 01296 329610 [email protected]

01296 329610 · [email protected]

The calculator gives an estimate of rebuild cost from BCIS based on the information you enter. It is not a survey or a valuation and does not replace professional advice. Whether an average condition applies, and how a claim is settled, depends on your policy wording and circumstances.

Insurance-Desk Services is a trading style of J R Cox, authorised and regulated by the Financial Conduct Authority, FRN 305402. Privacy policy