Structural warranties for developments in Guernsey, Jersey and the Isle of Man
Latent defects insurance for new homes, apartments, self-build and conversions on the islands - arranged by specialists who know which warranty providers will cover and inspect a site off the UK mainland.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- 10 and 12 year cover
- Large and small Island sites welcome
Fast answers
No more waiting weeks for a warranty quote
A slow broker holds up your site, your sales and your funding. We work to clear timescales.
1
Instant response
Send us your details and you get an instant reply by email with your reference and what we need next.
2
A call the same working day
We usually contact you the same working day to talk through your project and the providers likely to cover it.
3
Insurer quotes usually within one working day
Once we have your completed proposal and drawings, insurer quotes usually come back within one working day. Retrospective cover and unusual sites can take longer.
Choose your island
Structural warranty cover across the Crown Dependencies
Every island has its own planning rules, building control and mortgage lenders. Pick yours to see how we arrange a structural warranty there.
Guernsey, Alderney and Sark
New builds, granite barn conversions, apartments and self-builds across the Bailiwick of Guernsey.
Structural warranty Guernsey
Jersey
From St Helier apartment schemes to countryside conversions and one-off homes across the parishes.
Structural warranty Jersey
Isle of Man
Homes, apartments and conversions from Douglas and Onchan to Ramsey, Peel and Castletown.
Structural warranty Isle of ManWhy a specialist
Island sites are different - your warranty should be too
A structural warranty protects the people who buy and lend against your homes, usually for 10 or 12 years after completion depending on the policy. Arranging one for a site you reach by boat or plane brings problems a mainland developer never meets.
- Fewer providers will say yes. Not every UK warranty provider insures sites off the mainland. We know which ones do, and on what terms.
- Inspections have to travel. The provider's surveyor must see the work at key stages. We help plan visits around flights and ferries so the build is not held up.
- Local rules, local lenders. Your cover has to sit alongside the island's own building control and satisfy the lenders your buyers will use.
- Timing matters. Cover is simplest when it is registered before work starts on site. Already started? We can still help.
What we cover
Warranties for island developments of all sizes
From a single self-build to a multi-block scheme, we arrange 10 and 12 year structural warranty cover with a certificate for every home.
New build houses
Detached homes, terraces and small estates, registered before you start so each plot gets its own certificate at completion.
Apartments
Blocks of flats and mixed use buildings, including schemes where buyers pay deposits off plan.
Self-build homes
Cover for the one-off home you are building yourself, which your mortgage lender will usually ask about.
Conversions and renovations
Barns, farmhouses, offices and commercial buildings turned into homes, where the existing structure needs cover too.
Affordable and social housing
Warranties for housing associations, trusts and developers delivering affordable homes on the islands.
Mixed use and commercial
Shops with flats above, offices and commercial units where funders or tenants need latent defects cover.
Structural warranty cover at a glance
How it works
From first enquiry to final certificate
Tell us about the project
Where it is, what you are building and where you are up to.
Initial assessment
We match the scheme to providers who cover your island and build type.
Your quote
A clear breakdown of premium and fees, with the provider named.
Inspections
The provider's surveyor checks the work at key stages of the build.
Warranty issued
A final certificate for each home once it is complete.
Already on site?
Started without a warranty? It may not be too late
Retrospective structural warranties are available for homes already under construction, and some providers will cover a completed property if the right evidence is available. The sooner you ask, the more options there are.
Questions
Common questions from island developers
Do I legally need a structural warranty?
In most cases no law says you must have one. In practice, most mortgage lenders expect a new home or a converted building to come with a structural warranty from a provider they accept, so without one your buyers may struggle to borrow and your homes are harder to sell.
Can I get a warranty after building work has started?
Often, yes. Retrospective cover is available from some providers once work is under way, although they will ask for more evidence and the premium is usually higher. See retrospective structural warranties.
How long does a structural warranty last?
Most policies run for 10 years from completion, and some providers offer 12. Cover normally stays with the home for later owners for the rest of the policy period.
Are you an insurer?
No. We are an insurance broker. We find and arrange cover for you, and the warranty itself is provided by the warranty provider or insurer named in your quotation.
WARRANTYWIZARD
Got a quick question first?
Ask our Exclusive AI Powered WARRANTYWIZARD - how structural warranties work, what lenders usually expect, what documents to get ready or how retrospective cover works on the islands.
WARRANTYWIZARD is AI powered and answers straight away, day or night. Like any AI it can occasionally make mistakes, and it gives general information about structural warranties, not advice or a price - so check anything important with our team, and for a quote use the project form or call us.
Warranty with WhatsApp
Do the whole thing on WhatsApp
You can handle the whole process on WhatsApp - questions, photos and drawings, your proposal, your quotes and arranging your cover.
A person on our team replies in UK working hours. Message us any time and we will pick it up as soon as we are back.
Tell us about your project
Give us the basics and we will come back with the providers likely to cover it, what they will need from you and an idea of cost.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Guernsey, Alderney, Sark, Jersey and the Isle of Man
- Free and no obligation
Already filled in a proposal form? Email it to us or send it on WhatsApp with any drawings you have and we will take it from there.