FINANCE SERVICES
WHEN DO YOU NEED SELF-BUILD INSURANCE?
Self-build insurance isn’ t just for the construction phase. There are key stages throughout your project where cover is essential, and sometimes legally required.
1. Arranging Finance- Mortgage lenders often require a Structural Warranty. Securing it early can save money and streamline approvals.
2. Finding a Plot- If you ' ve bought materials or equipment, you can protect them with insurance against theft, loss or damage.
3. Owning Land- You’ re potentially liable for injuries to anyone on your land— even trespassers. Public Liability Insurance can help protect you.
4. Planning Permission- Once you’ ve started the planning process, Site Liability Insurance can protect your plot before work begins.
5. During the Build- Builders, tools, machinery, and the structure itself could all need protection. Specialist Self-Build Insurance covers these risks.
6. Finishing the Build- As you install appliances and furnishings, ensure your policy covers the increasing value of your property and contents.
7. Moving In- Once you receive your Completion Certificate, remember to switch to Buildings and Contents Insurance.
8. After Completion- A 10-Year Structural Warranty protects against defects in design, materials, or workmanship— giving you long-term peace of mind.
Building your own home is a big undertaking— and protecting it shouldn’ t add to the stress. At SelfBuild Insurance, we’ ve been supporting self-builders for over 20 years with tailored insurance solutions designed to safeguard every stage of your project.
Our SelfBuild Insurance is underwritten by Zurich, a trusted global insurer, and includes:
• Up to £ 5M Public Liability
• £ 10M Employers’ Liability
• £ 50K –£ 1M Contract Works
• £ 1,000 Tools Insurance
• £ 5,000 Personal Possessions
• Flexible durations: 3 to 24 months
You can also insure your site before building begins with our Site Liability Insurance, which protects you against third-party injury or damage while you prepare for construction.
Once your build is complete, your policy converts to Home Buildings & Contents Insurance for up to 90 days— giving you time to transition to permanent cover.
We also offer insurance for renovation projects, extension projects, and structural warranties. If you ' re building a home to live in anywhere in the UK or Northern Ireland, we’ re here to help.
From plot purchase to move-in day, having the right insurance at each stage of your journey can be crucial.
Explore our full range of self-build insurance products on our website www. selfbuild. uk. com
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