Sometimes temporary site buildings are automatically included in a CAR policy as long as these are the insured works originally stipulated when buying the policy.

They may be covered under the general definition of the contract works indemnified by the definition of contract works within the policy.

If not, then it will be down to the policyholder to amend said policy to include any temporary buildings as required.

The amount you require will usually depend on the highest contract value that will be undertaken during the policy term.

You should consider:

- Free issue materials

- Professional fees

- Debris removal

- Terms imposed by regulatory authorities

In order to ensure that you have all your bases covered, you may also want to consider:

- Public liability 

- Employers liability

- Property Owners

Based on multiple examples of builders & groundworkers quoted on a Contractors All Risks Insurance product with hire charges of £5000 over 12 months and maximum value of hired plant at £250,000 including insurance premium tax but excluding any additional products, fees or upgrades, working at a depth of 3 metres. Annual price based on the previous criteria, monthly price is equivalent to annual price divided by 12 to give equivalent monthly price, please note this monthly price is purely for promotional purposes to display the annual cost divided by 12 months, paying in monthly installments by direct debit will incur additional charges. Quoted between October 22nd 2024 and March 31st 2025, with payment taken on an annual basis. For comparison only, your premium will depend on your circumstances and the level of cover you choose. Premium may vary by post code and other risk factors. Occasionally the premium quoted may be lower than the from price due to the unique profile where it is not reflective of the type of risks used to determine the from price.