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Rebuild cost is what it would cost to demolish the existing structure, clear the site, and rebuild the property from scratch — including labour, materials, professional fees and demolition. Market value is what the property would sell for on the open market, which reflects land value, location and demand. The two figures are rarely the same, and insurance should always be based on rebuild cost, not market value.

If rebuild figures have not been professionally reviewed in the last three years, if properties have been altered, extended or improved since the figure was last set, or if the original figure was based on purchase price or market value rather than rebuild cost, you should assume there is risk. The checker is the quickest way to sense-check your position before moving to a full assessment.

Desktop assessment works well for most standard residential and commercial properties where reliable remote information is available — including flats, houses, HMOs, blocks of flats, and standard rental stock. It is completed using mapping data, imagery, property information and BCIS cost data, with no need for a site visit.

We will tell you before proceeding, explain why a site assessment would give you a more defensible result, and either refund you or make no charge. You do not need to identify the right method yourself — that is part of the triage process.

ABI guidance recommends reviewing rebuild cost at renewal and after renovation or extension work. A professional assessment is typically a reliable baseline for around three years, though significant cost inflation or physical changes to the property can justify earlier review. The Protect option includes two annual refresh calculations so the figure stays current without requiring a full reassessment each year.

Yes. Portfolio clients can submit multiple properties together. We triage the portfolio, recommend the right method for each building, and process the assessments as a single instruction. Reduced rates are available for portfolios of five or more properties — use the portfolio quote route to discuss this.

The checker gives you a quick indication of whether your current declared value appears to be broadly aligned with what a professional assessment might find — or whether the gap looks significant enough to warrant a closer look. It is a useful first step, not a substitute for a full professional assessment. Your result is delivered by email, with a clear recommendation for next steps.

For the checker, enter your name, email address, property type, current sum insured banding and postcode area. For a full assessment, the property address, an approximate floor area or existing plans if available, and photographs of the front, rear and any significant features are the main inputs. A full checklist is provided at order stage — you do not need to prepare anything in advance.

Underinsurance occurs when a property is insured for less than its true rebuild cost, meaning a claim may not fully cover repair or rebuilding costs.

No. Market value includes land and location. Rebuild cost is the cost to reconstruct the building itself, which is what insurance should be based on.

A desktop rebuild cost assessment is a professional property valuation completed remotely using advanced technology, aerial imagery, and expert analysis. It provides accurate rebuild cost estimates without requiring a physical site visit.

Desktop assessments use the same professional standards, BCIS data, and RICS-regulated assessors as on-site assessments. For standard properties with clear information, desktop assessments provide highly accurate valuations that insurers accept.

We provide a status for how long our desktop assessments are currently taking at the top of the homepage of our website. If it becomes apparent an assessment may take longer than this, we will contact you and advise you accordingly.

No, desktop assessments are completed entirely remotely. You just need to provide property information, and our assessors complete the valuation using available data and imagery.

Yes, desktop assessments work well for many commercial properties, including rental properties, blocks of flats, and standard commercial buildings. For unique or complex properties, a site visit may be recommended.

Yes, our RICS-regulated desktop assessments meet professional standards and are accepted by UK insurers. Our assessments are completed by qualified assessors using industry-standard methodologies.

Desktop assessments are completed remotely without a site visit, while site assessments involve a physical inspection. Desktop assessments are faster and more cost-effective for standard properties, while site assessments may be needed for unique or complex properties.

Yes, desktop assessments are ideal for property portfolios. You can order assessments for multiple properties, and the remote nature makes this process efficient and cost-effective.

A desktop Rebuild Cost Assessment (RCA) will cost your client £178.69 (incl VAT), which is less than our standard direct price of £210.00.

We've put together several resources to help you explain to your clients why they should insure their buildings for the right amount. Check out the resource page on our website.

As soon as you arrange your client’s RCA on their behalf online, we send them an email automatically with a link to our secure payment page.

Our prices include VAT. Because the RCA final order and payment transaction is made by your client, they will be able to recover VAT if they are VAT registered and entitled to do so.

As well as your contact details and your client’s contact details, we will need information concerning the property. As well as basic details, such as address and postcode, you can also supply the following optional and helpful information: A policy number and renewal month Existing sums insured/declared value Unusual features, such as basement, mezzanine Listed status

As soon as payment is received from the client (and therefore the order is confirmed), we will proceed with producing a Rebuild Cost Assessment report for the property.

If payment is not received within 5 working days, we will send an email reminder to your client. If payment is not subsequently received within a further 5 working days, we will advise the client we are not proceeding with their RCA and will also advise you accordingly.

Sometimes, usually because of unusual property features, we are unable to complete a desktop RCA. If this happens, we will immediately refund your client and email them confirmation of this together with our quote for a site assessment. We will copy you in should this happen.

Your client will receive a comprehensive Rebuild Cost Assessment report. You can view sample Household and Commercial Rebuild Cost Assessment reports on our website.

The Rebuild Cost Assessment report will firstly be sent to you (the broker) by email, to forward on to your client. Please note your client will receive an email from us 21 days after sending you the report requesting feedback.

No, it's not. This tool doesn't provide specific figures for a property's rebuild cost. Instead, it will indicate the likelihood of a property being underinsured, overinsured, or accurately insured based on data from similar properties within the same postcode area.

The results are almost instant! You’ll see the likelihood of being under, over or accurately insured soon after once you hit ‘Go’. You can download a one-page report presenting the results by clicking ‘view your PDF report,’ which can be passed on to your client.

Just click here and follow the on-page instructions.

No. The details you enter will be used for lookup purposes only and then deleted.

No, the results are based on properties that we have assessed within the postcode area you have provided on the form. We’ve assessed over 150,000 properties in the UK, covering every single postcode area.

To indicate the likelihood a property is under, over or accurately insured. It helps to illustrate the high risk of inaccurate property insurance in the UK. It can be used for both residential and commercial properties.

We have assessed over 150,000 properties in the UK from every postcode area. Once assessed, we have determined whether a property is underinsured, overinsured, or accurately insured. Using this data, we can confidently indicate the likelihood of other properties' insurance status based on the rates of underinsurance, overinsurance, and accurate insurance in each postcode area.

The cost of an Enhanced Commercial Desktop assessment is £375 + VAT.

ECDs cannot be ordered directly. Please place your order for a desktop or request a site quote as usual, and our team will advise you when an ECD is suitable.

You can find our current turnaround times in the top banner of our website. If an assessment may take longer than expected, we will contact you to advise accordingly.

An ECD is the same process as a standard desktop, with an added phone call with one of our RICS-regulated surveyors. Utilising the surveyor's experience and expertise, this conversation enables us to assess high-value properties remotely by gathering specific details.

We need to speak to the/a person who is responsible for the building’s maintenance/insurance. This would need to be someone with knowledge of the property who can confidently confirm specific property details.

Our surveyors may ask to confirm the floor levels, usage of the building, internal specifications, etc. This is a great opportunity to inform our surveyor of any work that has been completed on the property.

If you are unable to provide our surveyor with the information they require, we will offer a site survey.

We have assessed over 150,000 properties in the UK from every postcode area. Once assessed, we have determined whether a property is under, over or accurately insured. Using this data, we can confidently indicate the likelihood of other property’s insurance status due to the rate of under, over, and accurate insurance in each postcode area.

The checker is there for property owners to find out the likelihood their property is under, over or accurately insured. It helps to illustrate the high risk of inaccurate property insurance in the UK. It can be used for both residential and commercial properties.

No, this tool doesn't provide specific figures for a property's rebuild cost. Instead, it indicates the likelihood of a property being underinsured, overinsured, or accurately insured based on data from similar properties within the same postcode area.

No, the results are based on properties that we have assessed within the postcode area you have provided on the form. We’ve assessed over 150,000 properties in the UK, covering every single postcode area.

No. The details you enter will be used for lookup purposes only and then deleted, unless you indicate you would like to receive updates, news and offers from us by clicking the checkbox above.

Just click here and follow the on-page instructions.