Refurbishments

Cover for both new and retained portions Cover for both new and retained portions 
 

	It does what it says on the tin. It is an insurance policy that protects against defects in the property that were not spotted during construction. The “insurance” word is important: it means the property owner has a binding contract with an insurer. The insurer assumes the risk that such defects will come to light at some point in the future, and agrees to compensate you if such risks occur. It's not unlike motor or travel insurance.   But, it differs from buildings and/or contents insurance, which responds to external causes of damage to the property or its contents. Buildings defects insurance responds to defects that are within, or “inherent” in the property.

Residential cover meets lender requirements Residential cover meets lender requirements 
 

	The products are approved by the majority of UK mortgage lenders.

Insurance cover starts from practical completion Insurance cover starts from practical completion 
 

	There is no 2 year exclusion period - the property owner has direct access to insurance cover for defects from day 1.

You can use the same simple proposal form You can use the same simple proposal form 
 

	We try and make it as easy as possible.   One simple proposal form covers most types of scheme (except where it's "pure" commercial). You can download it here, or get us to send you one. Or, you can complete and submit the proposal form on-line.    Try it and see - you may be surprised how simple it can be.

Straightforward and sensible pricing Straightforward and sensible pricing 
 

	Our prices are based on contract value. Not sale value.   It doesn't matter who you are, or where the scheme is - the same rates apply.   The only thing you need to decide is what cover you want: how much, and how wide.

Refurbishment projects will also benefit from our unique technical process.