Terms of use
What this site is
Latent Defects Insurance Cost provides independent information, tools and data. Figures are researched, sourced inline, and dated; tools show their assumptions. Latent Defects Insurance Cost is an independent introducer site operated by Ellul Solutions Ltd. We are NOT authorised or regulated by the Financial Conduct Authority, and we are not an insurer or a broker. We do not advise, arrange or recommend any policy, cover or provider: we introduce you to brokers and providers by passing your details to them, and they deal with you directly. We may be paid a commission for that introduction by the firm we introduce you to, and it never changes the premium you are quoted. Nothing here is insurance, legal or construction advice. No premium is published on this site because latent defects cover is rated individually on value, construction type, unit mix, track record and inspection. Cover periods are given as the typical market range rather than as a rule; the period is a term of whichever policy you buy. Building control and building safety duties are separate statutory matters from insurance and are for your own advisers. Check any broker or provider on the FCA's Financial Services Register before paying anything.
What this site is not
Nothing here is financial, legal, tax, medical or other regulated advice, and no tool output is a quote, an offer, or a recommendation to act. Results are estimates from the stated assumptions; confirm anything that matters with a qualified, authorised professional before acting. Where we introduce you to a provider, we act as an introducer only: we do not advise on, arrange, or recommend between providers, and we never handle client money.
Accuracy and liability
We work to keep every figure current (each table shows its last-updated date) but make no warranty that content is error-free. To the extent permitted by law, Ellul Solutions Ltd accepts no liability for loss arising from reliance on this site. Links to external sites are provided for sourcing; we are not responsible for their content.
Embedding and citation
You may cite this site's data with attribution (a link to the page cited) and may use the embeddable widget where offered, unmodified. Scraping that removes attribution, or republishing tables wholesale without a link, is not permitted.