SelfBuild Insurance

  • Designed for you if you are building your own home to live in
  • Up to £5m Public Liability Insurance
  • £10m Employers' Liability as project employer
  • Up to £1m Contract Works cover

Product Features

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

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

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

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

Call us for a quote on 0800 230 0225

Selfbuild cover at a glance…

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
£1,000
Personal Possessions
£5,000
Period of cover
Build start to completion (plot covered before build starts)

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.

Call us for a quote on 0800 230 0225

Other SelfBuild Products and Information

Site Insurance

Designed to cover you against third party loss, damage or injury on your self-build site before work starts.

Find out more

Renovation & Conversion

Decided to convert, renovate or extend your existing property? This is the insurance cover for you.

Find out more

FAQs

Building your own home is exciting, but can be daunting, so we've compiled a list of FAQs to help.

Find out more