A modern kitchen bar with four black stools, a sink, and decorative plants on the counter.

Understand your cover with Premier Guarantee

We hope that you are enjoying living in your new home and you are settling in well.

Stages of your cover

Before your home is complete

A worker in gloves applies mortar to a brick wall corner during construction.

If you have paid a deposit to a developer for a new home covered by our New Homes Warranty, and the build hasn't started or the developer doesn't complete a build due to insolvency or fraud, section of cover will help you to recover these costs. Please refer to your policy document.

Defects Insurance Period

Two construction workers inside a room, one reaching up towards a smoke detector on the ceiling.

If you do find any problems with your home during the first two years of cover, know as the Defects Insurance Period (one year for Social Housing Warrany cover), it will be up to the developer to put things right. Make sure you keep hold of their details once you have bought your home and speak to them about the process of reporting problems.

If you cannot come to an agreement with your developer about carrying out the repairs or they fail to carry them out, your structural warranty cover allows you to call us and we will help you get the work done as quickly as possible.

Structural Insurance Period

Two construction workers in safety vests discuss inside a partially built room with wooden framing and windows.

If you do find any problems with your home during the first two years of cover for new homes, known as Defects Insurance Period (one year for Social Housing Warranty cover), it will be up to the developer to put things right.

Make sure you keep hold of their details once you have bought your home and speak to them about the process of reporting problems.

If you cannot come to an agreement with your developer about carrying out the repairs or they fail to carry them out, your structural warranty cover allows you to call Premier Guarantee and we will help you to get the work done as quickly as possible.

What are the benefits of your cover?

'A’ rated insurers

All our policies are underwritten by ‘A’ rated insurers, giving you the reassurance that we’ll be there for you.

Dedicated teams

We have a dedicated claims team who will provide all the advice you need to get things sorted as quickly as possible as well as a free dispute resolution service.

Code protection

In addition to your cover, your new home is protected by one of the two leading new-build consumer codes in the UK – the Consumer Code for Homebuilders or the New Homes Quality Code.

Insurance Product Information Documents (IPIDs)

To support transparency when agreeing to purchase a property we have created Insurance Product Information Documents (IPIDs) which summarise the insurance cover available in your policy.

Find your IPID

How to make a claim

If you spot a structural issue:

Log in to our online portal or;
Call our claims team on 0151 650 4343

We’ll review your claim and let you know the next steps.