For the purposes of the Homeprotect renovations insurance policy, cosmetic changes include non-structural changes to the property such as redecorating, replacing kitchen units, or laying new flooring. However, more significant works such as changing internal plumbing, gas pipes or electrical fixtures are not classed as cosmetic.  

And if cosmetic work is valued over £20,000, you’ll still need to let us know, in the same way as you would any valuable renovation works.