Following the Government’s announcement asking everyone to stay at home, we’re making some changes to the way we work to make sure we’re looking after our people and our customers. We’re setting up as many of our colleagues as possible to work from home, but this will take a few days.
In the short-term, we’re only accepting new business online. That means new customers can’t buy insurance over the phone.
Existing customers: Please don’t phone unless it’s absolutely necessary.
We need to prioritise:
- Customers who have an urgent claim, for example your car is undrivable following an accident, you are injured, or your home is uninhabitable.
- Customers who can’t pay now as a result of the Coronavirus pandemic, call us - we want to help you.
If you have questions about your renewal or want to make a change to your policy, you can use our virtual assistant. If your policy is due to renew in the next week and you haven’t opted for auto-renewal, please call us. If you have opted for auto-renewal, please make sure your insurance still meets your needs.
For more information and frequently asked questions about COVID-19, go to our Coronavirus help and support page.
The planning system in the UK is designed to help protect the environment in our towns and cities, and in the countryside. Your local planning authority is responsible for deciding whether a building project to your home – an extension, for example – can go ahead or not. This also gives people who may be affected by your proposed development a chance to have their say.
When might I need to apply for planning permission?
Most new buildings, or major changes to existing buildings or to the local environment, need to get planning permission. Some common household projects that may need planning permission include installation of, or building work to:
- All listed buildings
- All buildings in designated areas (Conservation Areas, National Parks, Areas of Outstanding Natural Beauty)
- Extensions and additions
- External and party walls
- Solar panels or wind turbines
- Patios and driveways
- Dormer windows
- Party walls or internal walls
- Ground source heat pumps
- Underpinning and foundations
For an overview of when you need planning permission for works to your house, you can visit a handy interactive ‘Householder’s Guide’ at the Government’s Planning Portal. You can also find links to ‘common projects’ and ‘case studies’ on the Planning Portal website. For specific situations or applications you should contact your local authority for advice. You can also find a ‘fee calculator’ on the Planning Portal website to work out what it costs to get planning permission.
How do I make an application?
You apply to your council for planning permission. You can also apply for planning permission online at the Planning Portal website. Key areas that are looked at include:
- The number, size, layout, position and external appearance of buildings
- The proposed means of access, landscaping and impact on the neighbourhood
- The availability of infrastructure, such as roads and water supply
- The proposed use of the development
Who makes the application?
You can make the planning application yourself or appoint an agent (an architect, solicitor or builder) to do it for you. Anyone can make an application, irrespective of who owns the land. But all owners, part owners, leaseholders and agricultural tenants must be informed and a certificate produced to verify this.
Your application must also be accompanied by a plan of the site, details of any proposed works and the fee. At least three copies of the form and plans are required, although some councils may ask for more.
How long does it take?
The council should decide on your application within eight weeks. Large or complex applications may take longer. In both cases they may request to extend this period. For example, this could occur if the issues involved are complex or a lot of people are affected by the proposed development.
Does planning permission affect my Churchill home insurance?
If you do any building work to your home, whether you need planning permission or not, you should let us know. The work you do could increase the value of your home buildings and its contents and this could affect your Churchill home insurance premium. The last thing you want is to underinsure your extended property.
If you have had some building work done at home and need to change the details of your Churchill home insurance policy, please call us.