Selfbuild cover at a glance…
Eligibility
Self-builders planning to build a property and live in it on completion
People who already have a plot intended for self-build home
Self-build plots where construction has not commenced yet
Self-build projects in the UK or Northen Ireland
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.