Structural Warranty Insurance
We offer specialist structural warranty insurance, otherwise known as latent defects insurance, providing our clients with confidence from foundation to finish. Get a free quote today.
What we cover
Residential Building Warranties
Recognised by industry regulators, government bodies and housing associations, our residential building warranties cover structural defects, workmanship issues, and other unforeseen construction-related challenges.
Commercial Building Warranties
CIR commercial building warranties offer protection for any type of building used for commercial purposes. Our commercial building warranties act as a shield against construction-related defects and their associated costs.
A Transparent, Straightforward Underwriting Process
Our latent defect insurance offers a safety net that covers structural defects, workmanship issues, and other unforeseen construction-related challenges. Our latent defect insurance acts as a shield, ensuring that homeowners are protected from potentially significant financial burdens that may arise due to construction-related defects.
Why CIR?
We're Committed to Transparency
Empowering you with access to all your information guarantees that we maintain the utmost levels of accountability and customer service.
Every email is carefully attended to, each phone call meticulously recorded for our mutual protection, and your documents are freely available to view on our portal at any time.
We are committed to transparency and openness, ensuring you have full visibility into every aspect of our interactions.
Online portal
We’ve meticulously crafted our portal to provide complete transparency, ensuring you’re informed at every stage. Importantly, we believe in giving you real-time updates. With us, you’ll always have access and insights, empowering you to make well-informed decisions confidently.
A 360 view, 24/7.
Embrace the convenience of our portal, where you can effortlessly follow your policy from foundation to finish and beyond. With our user-friendly portal, managing your insurance needs becomes an effortless and efficient experience.
Arrange a callback
Want us to call you back at a more convenient time? Drop us your details here and we will be in touch at a more suitable time.
Our Core Values
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Quality Assurance
Behind our quality assurance efforts are experienced professionals who bring their expertise to the table. Our team comprises individuals who understand the intricacies of structural risk, insurance underwriting, and construction best practices.
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Long-term partnerships
We don’t just aim for transactional relationships – we seek to build lasting partnerships. Our commitment to customer-centricity extends beyond a single policy purchase. We continue to engage with our clients, providing ongoing support and guidance as their needs evolve over time.
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Streamlined Efficiency
Our efficiency efforts are geared towards simplifying interactions for our clients. From user-friendly online platforms to clear communication channels, we make it easy for clients to access information, manage policies, and make updates, saving them valuable time and effort.
Peace of mind, from foundation to finish.
We provide coverage that safeguards your construction project against structural defects and risks. Our structural warranty insurance policies, also known as latent defect insurance policies, are designed to offer peace of mind to developers, builders, and homeowners, ensuring that their investment is protected from construction related damages, defects, and repair costs.
Reliable, tailored, and cost-effective.
With our expertise in risk management, technical expertise, and high level of customer service, we aim to be your trusted partner helping you to mitigate the risks of your construction projects. Partner with us for reliable, tailored, and cost-effective structural warranty insurance solutions that enable you to build with confidence.
Who we work with
A policy provided by CIR ensures our clients can build from foundation to finish with confidence. From developer to homeowners, find out how we can build better together.
Builders
Developers
Home & Property Owners
Architects
Engineers
Project Managers
Arrange a callback
Want us to call you back at a more convenient time? Drop us your details here and we will be in touch at a more suitable time.
Structural Warranty Insurance FAQ's
A structural warranty insurance policy or latent defect insurance policy provides protection to the property owner for major structural defects that occur during the cover period. An example of this would be a failed foundation or structural support member resulting in the property becoming unfit for purpose.
Structural warranty insurance provides several crucial areas of cover. The most important of which are defects insurance for any non-structural issues during the first two years of cover and structural insurance for any structural issues that occur thereafter.
It is a requirement of most lenders that a structural warranty insurance or latent defect insurance policy is in place as a condition of the lending solution when purchasing a property that has constructed within the last 10 years.
Yes, “latent defects insurance” and “structural warranty” are essentially the same product and you will find these terms are used interchangeably within the industry.
Latents defects insurance policies are customised to the specific needs of the policy owner, based on a range of factors. Contact the CIR team today on 0800 059 0150 or visit our Liverpool office for a competitive quote tailored to your exact requirements.
When selecting a structural warranty provider, it’s essential to prioritise factors such as reputation, financial stability, and coverage details. Opt for established companies like CIR with a history of trustworthy service. Established in 1986 CIR have an extensive background in providing insurance solutions to the construction industry.
Understand the specifics of the coverage offered, including the duration, exclusions, and limitations. A transparent and efficient claims process is crucial for addressing potential issues promptly. Also, consider the provider’s partnerships with builders and developers, as strong relationships often correlate with higher construction standards.
Additionally, enquire about transferability, independent inspections, regulatory compliance, costs, and the flexibility of coverage options. By carefully evaluating these aspects, you can choose a structural warranty provider that aligns with your needs and provides reliable protection for your property. If you are unsure about any of these specifics please get in touch with our team and we’ll be happy to answer any questions.
Resources & Guides
