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Based on Build Costs

Who is it for? Latent Defects Insurance based on build costs is for anyone buying or selling a property that is either under construction, or that has been completed in the last 10 years. Latent Defects Insurance (IDI) is also known as Building Defects Insurance, Warranty Insurance, or Structural Warranty Insurance.

Latent Defects Warranties

is a specialist insurance product providing cover for various new and completed property builds that are less than 10 years old. This essential form of cover is required by mortgage lenders before they release funds to property purchasers.

Structural Defect Insurance

is also known as Structural Latent Defect Insurance and covers projects including New Builds, Self-Build, Conversions, and Social Housing Projects. It covers the structural envelope of the property (the foundations, walls, roofing, floors, etc.) and non-load-bearing elements. The policyholder is responsible for the fixtures and fittings.

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    Any property including new build, self build, conversion, apartment, bungalow, barn conversion or major refurbishment.


    Without a 10 Year warranty you will not be able to sell a property, and a mortgage cannot be raised against a property unless there is one in place. We understand that value for money is priority therefore our price is based on build cost, not sale price.


    Ok that’s interesting, so ROYLEMAC10 are competitively priced, how do I find out more and obtain a warranty? Simply click the link below, fill in the form and one of our dedicated team will contact you and create a bespoke Latent Defects Insurance package to meet your needs and ensure your success.

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