10 & 12-Year Latent Defects Insurance

Checkmate delivers ten and twelve year residential and commercial warranties across a wide range of new and newly converted/refurbished
homes and commercial premises throughout the UK.

OUR PRODUCTS

Checkmate offers latent defects insurance for almost any development project, including newly built homes, permitted developments, mixed-use projects, and all types of affordable and private rental housing.

Coverage also extends to commercial projects across retail, industrial, healthcare, education, and hospitality sectors, whether as part of a residential development or standalone.

Policies are available for both new builds and conversions or refurbishments, covering the primary market sectors for:

Detached new build homes. UK

Residential

Provides warranty and insurance coverage for new homes, affordable housing, rentals, and homes built through conversions.

low view of the cranes to build new skyscrapers in the City of London

Commercial / High Value Schemes

Covers apartments, offices, retail, hotels, healthcare, and other commercial developments.

Modern industrial factory producing large prefabricated panels for sustainable building construction, with rows of

Offsite Manufacture

Offers coverage for homes and buildings constructed using modern or offsite techniques.

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Bespoke Homes for Private Clients

Custom home warranty coverage for private clients.

What we do

Everything Online to Save You Time​

Innovative Risk Management

Care About The Environment

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New Home Warranty Code

Checkmate invites you to join our new home warranty scheme. Members receive accurate indicative warranty cost, which includes all code registration fees and once registered, you can run as many projects through Checkmate under the single low cost annual registrations fee.

No Upfront Fees
Efficient Process

What Makes Us Stand Out

Checkmate stands out through our dedicated customer care, innovative solutions, and a proactive approach to managing properties effectively.

Low Premium Rates

Most competitive rates on the market

Comprehensive Coverage

Solutions for residential, commercial, and mixed-use developments.

Expertise

Decades of experience in construction warranties.

Modern Methods

Supports offsite construction and innovative building techniques.

Flexible Options

Tailored warranties for all project types.

Accredited Provider

Trusted by the industry for quality and reliability.

What's it Like Working With Us?

Structural Warranties for 10-12 years

Long-term protection against costly repairs for buyers and developers.

Digital Inspection Access

Faster project assessments and improved compliance tracking.

Rigorous Technical Standards

Enhanced quality assurance in new home and commercial builds.

User-Friendly Warranty Management

Simplified access and management of warranties, reducing administrative burdens.

Certified for Excellence in Construction Warranty

Checkmate is fully certified to provide industry-leading structural warranty insurance. Their certifications meet UK construction and insurance standards, ensuring high-quality protection for builders, developers, and homebuyers.

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Checkmate Warranty - Fast Quotes

Every development is different and therefore Checkmate assess every scheme’s individual characteristics to ensure a fair and accurate cost is provided.

We can usually provide an indicative cost of what a warranty would be for your next development within 24 hours and very often the same day. Please click on the link below to get started.

Blog Posts

News and Insights

15 October 2025
The Importance of RICS Surveyors in Construction Projects
Why Choosing the Right Surveyor Matters Buying or investing in property is one of the biggest financial commitments most people make. That’s why expert advice is crucial. Enter the RICS surveyor – a property professional...
20 June 2025
Performance Bonds: What They Are, Why You Might Need One
When you’re managing a construction project, there’s already enough complexity—finances, timelines, planning, and compliance. So when a lender, client, or local authority asks for a performance bond, what exactly does...
11 June 2025
UK Planning Delays: Turn Idle Time into Risk-Ready Opportunity
The UK construction industry continues to feel the strain of planning delays. With local authority backlogs, changing regulations, and extended consultation periods, developers across the country are finding themselves stuck...
05 June 2025
Performance Bonds and IBGs: Fast, Reliable Protection for Today’s Projects
In today’s fast-moving construction environment, risk management isn’t just a formality—it’s a necessity. With tighter margins, growing regulation, and high stakeholder expectations, contractors and developers...
28 May 2025
Why Major Developers Choose LDI Cover They Can Trust
In today’s construction landscape, confidence is currency. For developers navigating complex builds and tight timelines, protecting long-term investment is critical—not just for themselves, but for their funders and...
17 April 2025
Top 5 Things to Check Before Moving Into a New Home
Moving into a new home is an exciting milestone—but before settling in, it’s important to ensure the property is safe, functional, and ready for comfortable living. Taking the time to inspect a few key areas can help you...
12 March 2025
Navigating 2025’s Building Regulations: Are You FHS and ‘Building Safety Act’ Ready?
The regulatory landscape is changing rapidly. With 2025 bringing new regulations focused on sustainability, safety and planning, developers face both fresh challenges and exciting opportunities. The move towards greener,...
05 November 2024
Skill Shortages in Construction: Labour’s Strategy to Boost Apprenticeships and Training
The Labour government’s budget has introduced a strong focus on reducing skill shortages in the construction industry through increased funding for apprenticeships and vocational training. As construction shifts towards modern,...
04 November 2024
Building Green: Labour's Investment in Sustainable Infrastructure
Labour’s recent budget emphasizes a shift toward sustainable infrastructure, creating new opportunities and challenges for the UK construction industry. With funding allocated to green projects, such as renewable energy,...
04 November 2024
A New Era for Affordable Housing: Labour’s Pledge to Tackle the Housing Crisis
The Labour government’s latest budget sets the stage for transformative changes in the UK housing market, especially with its renewed commitment to affordable housing. As home prices and living costs soar, Labour’s...