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SelfBuild Insurance

For when you're going to live in the property on completion

Building your own home can be one of the most rewarding things you ever do in your life. But it also represents a significant investment, so you need to know that you’re covered against even the worst case scenario. That’s where our SelfBuild Insurance comes in.

SelfBuild Insurance is designed to provide you with the cover you need ensure that your project is protected against a wide range of perils.

Your policy can last for up to 24 months, and includes employers’ liability insurance, public liability insurance and contractors’ ‘all risks’ protection - in short, the insurance elements you need to feel secure while you’re building your home (see Policy Summary for full details).

As part of Trade Direct, SelfBuild have decades of experience in providing trade insurance, so you can count on us to take care of your needs. To arrange cover for your project or for further information, don’t hesitate to call us today.

Who is this for?

keysPlanning to build your own home to live in on completion

pound signAlready have a plot intended for your self-build home

uk mapBuilding in the UK or Northern Ireland

uk mapPeople with Self-Build plots where clearance or construction has not begun

Product Features

housePublic Liability of up to £5M to protect you and your project against a wide range of risks

contentsEmployers’ Liability of £10M to cover the cost of your liability as the employer of your self-build project

waterCover for Contract Works up to £1M, Materials, Hired-in, and Owned Plant

uk mapOptional £50K of Legal Expenses cover can be added to the policy

Why us?

20 plusOver 20 years experience in the insurance industry

24hrFriendly support from a UK based team

zurich logoUnderwritten by Zurich, a major global insurer

£50 cashback with every
Self-Build policy purchased
Terms & Conditions apply
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Why do I need Selfbuild insurance?

With our Self-Build product you receive up to £5M Public Liability insurance so your project is protected against a wide range of risks. Our cover also includes £10M Employers’ Liability insurance, which is a legal requirement if you employ people to work on your self-build site. Contract Works cover is designed to protect your partly built home if it’s damaged or destroyed, and you can choose from between £50k to £1M, ensuring your future home is covered as it starts to have a value. You also get the added security of Tools insurance, Temporary Accommodation and Personal Possessions cover. View our Policy Summary to find out more.

What does it cover?

With our Self-Build insurance you’ll be covered from the moment you start building right up until completion. Not only that, your policy will convert into Home Buildings & Contents insurance once your new home is complete, until your policy expires. This gives you buildings cover (to the Contract Works value) and includes £5,000 Contents cover. A choice of cover durations is available for your project, so you can choose from 3, 6, 9, 12, 18 and 24 months. You can even insure your self-build site with us before build work starts, see our Site Liabilities cover. Different levels of policy excess are available to suit your budget.

Optional cover

We also offer Personal Accident cover, and Legal Expenses cover for extra peace of mind. Personal Accident insurance is designed to pay a lump sum of money if an insured individual is killed or suffers a defined permanent physical disability (e.g. loss of a limb, or loss of sight) while on the self-build site. Legal Expenses cover is designed to cover the legal costs arising from contractual disputes between you and your contractor, utility companies, or the removal of squatters from site during the insured period.

Quality product

We’ve worked closely with Zurich, a major global insurer, to offer a unique policy that can be tailored to your self-build project and provide the security you need.

Dependable team

With over 20 years in the insurance industry, we’ve learned a lot about what people really want from their cover. You can speak our UK based team if you need further information about our product. You will also have access to a 24-hour claims helpline.

£50 cashback offer

Celebrate the completion of your self-build project with £50 cashback on completion of your build! With every self-build policy purchased, get £50 cashback on completion of your build – to spend on celebrations, or finishing touches.

Applies only to Self-Build Insurance – not Site Only, Renovation & Conversion or Professional. Terms & Conditions apply.

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Selfbuild Insurance cover at a glance…

Selfbuild Insurance
Public liability
Up to £5 Million
Employers’ liability
£10 Million
Cover length
3, 6, 9,12, 18 & 24 months (can be extended)
Contract Works
£50k to £1M
Tools insurance
Personal Possessions
Period of cover
From the start of build to completion (your self-build plot is also covered before build works starts)
tick1 Planning to build a property to sell or rent out on completion

tick1 Already have a plot intended for self-build home

tick1 Clearance or construction has not commenced yet on site

tick1 Building in the UK or Northern Ireland

We also offer Site Liability insurance, Renovation & Conversion and Structural Warranty policies. If you’re looking to sell or rent out the completed self-build project, please visit our SelfBuild Pro page.

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Please visit our Frequently Asked Questions page.

Download documents

Our Policy Wordings may be found here.

Other useful tips

News and Views about homes and self-building.

If you need further information call us on 0800 230 0225 to speak to one of our UK based team between 8am to 8pm Monday to Thursday, and 8am to 6.30pm Friday. Alternatively, complete our Call Me form and one of our specialist team members will give you a call.

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