Medical insurance for renovators

[Alane]

This may not be the correct location for this question but it really relates to renovating.

I've just been speaking to my travel insurers about the level of cover I might have if I'm working on the house. The response was that if I'm not using machinery and I'm not more than 5m up a ladder then I will be covered. So I'm covered for replacing the upstairs windows if I use a hammer but not if I replace the downstairs windows and use an electric drill. The comment they made, which was fair enough, is that these products are meant to be travel and holiday insurance - I would be insured for scuba diving! They couldn't offer cover for using any form of machinery in the house.

Has anyone else managed to find an insurer who will provide cover? I'm assuming that if I injure myself while using a chainsaw for example that the medical cover will be covered by the E111, maybe I'd better check that.Obviously in that case the repatriation wouldn't be covered though.

Best Regards

Alan.