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What Makes A Self Build Structural Warranty Unique?

Not sure whether you need a self build structural warranty for your project? 

A 10-year structural warranty offers vital protection against defects and problems in new build homes. But did you know that not all of these insurance products are designed the same way? Instead, they reflect the development route being followed and the needs of the first and subsequent homeowners. Self builders are both the builder and the homeowner. In the structural warranty world, this what makes a self build structural warranty unique.

How does a standard new home warranty work?

Most people are familiar with the concept of buying a new home from a developer or builder.  Because they will be benefiting from a 10-year new home warranty as part of this. In this type of transaction, the builder will be registered with the warranty provider. They then gift the first purchaser a 10-year structural warranty with the property. Under this scenario, the builder will be bound to investigate and remediate defects arising in the home during the first two years.

It’s a bit like a manufacturer’s warranty really. Importantly, during this defect period, the warranty company provides additional insurance cover to protect the homeowner in the event the developer fails to meet their obligations. That same insurance then continues in years three to 10 to provide direct cover to the homeowner for defects that may arise. To protect the resilience of this type of product, the warranty supplier must put onerous legal and financial securities in place that will ensure the builder meets their obligations. This creates a recourse opportunity, so that the warranty provider can recoup its costs if it has to step in during the defects period.

How does a specific self build structural warranty differ and what makes a self build structural warranty unique?

Self builders need to avoid structural warranties with a defect period. A high percentage of structural warranty claims occur in the first two years. Clearly as you’re directly commissioning the build, a standard new home warranty would make you responsible for issues in that timeframe. If you’re building your own dream home, you’re almost certainly putting your life savings into the project. So, you’re highly unlikely to have the financial resources in place to rebuild a property which has been the subject of a major defect. Nor are you going to want to be bound by the significant onerous legal instruments outlined above.

This is where the uniqueness of a self build warranty comes in to its own. The policy is designed to give you as builder and first homeowner insurance cover from the date of practical completion. Importantly, it does not have a defects period.  So it provides cover from day one, de-risking the financial implications of a major defect.

Are there any other benefits to using a self build warranty?

Yes! One example is around the community infrastructure level (CIL). This is a charge on new development that can run to the £10,000s. Around 10 years ago, the National Custom and Self Build Association (NaCSBA) secured a CIL charge exemption from the government. Specifically for genuine owner-occupied self build projects. A self build warranty carries a clause which states that, as the self builder, you must live in the property for at least 12 months before it can be transferred (sold) to a successor in title. It is for this reason that a self build warranty is deemed one of the instruments with which you can demonstrate that your project is CIL exempt. Protek frequently receives frantic calls from self builders who have finished their builds with the benefit of just a PCC certificate (see below), looking to obtain a self build warranty retrospectively to avoid paying CIL charges.

Can I just use a professional consultant’s certificate (PCC)?

Previously known as an architect’s certificate, a six-year PCC is nothing like a structural warranty. It is simply an extension to the consultant’s professional indemnity insurance. So, your ability to claim relies totally on you demonstrating that they were negligent for not picking up a problem during the build which later manifested into a defect. Proving negligence is not easy. It can often result in costly legal battles. Unfortunately, bringing unwelcome extra stress if you are experiencing serious problems with your new home.

In contrast, with a self build warranty, whether or not a defect was actually picked up during the works is irrelevant. Once the cover is issued, you are able to make a claim if you are experiencing problems with the build.  This is incredibly important when you consider the implications of selling your home further down the line. A self build warranty provides cover for successors in title. So, if you sell the property, the warranty is automatically transferred to the new owners. This means they can also claim on the policy and not pursue you as the builder.


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Best Self-Build for under £250K

Protek were delighted to be sponsoring the ‘Best Self-Build for under £250K’ award to this years winners KE-Design

The award for their ‘The Barn Field’ design was presented to Craig Marston by Protek’s Managing Director, Simon Middleton at Build It Magazine’s splendid 2021 Build-It Awards . It was an absolutely fabulous evening attended by all those in the industry that work tirelessly everyday to help make peoples dream homes a reality. 

Congratulations KE-Design for winning this closely contested category.

Best Self-Build for under £250k Build it Award 2021 goes to KE-Designke-design: Logo


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Best Self-Build Under £250k

Protek are delighted to be sponsoring the Best Self-Build Under £250k category at the prestigious 2021 Build-It Awards this year.

Best Self-Build Under £250k

Simon Middleton – Protek’s Managing Director said:

The Build It Awards have been an important accolade in the self-build industry for many years now. The widespread recognition of excellence in the respective categories can really make a difference to the winners, so we are proud to be associated with it. We wish all this years shortlisted entries the best of luck.

Shortlisted Entrants for the Best Self-Build Under £250k 

  • A’Bear & Ball Architects – Milton Road
  • Allister Godfrey Architects – Barn-Style Home, Cumnor
  • CB Homes – Damson House
  • Greenspace Architects – Earth Sheltered House
  • Ke-design – The Barn Field
  • Potton – The Allen-Godbold House
  • Smart Home Technical – Smart Stanley

Find out more about the awards

Previous Winners for Best Timber Frame: Fleming Homes

Best Self-Build under £250k  Best Self-Build under £250k  

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Precise Mortgages approve Protek Warranty for lending purposes

Precise Mortgages

Precise Mortgages have confirmed the approval of the Protek Warranty for lending purposes.  Protek’s Simon Middleton said “Precise Mortgages are an important lender in the property investor sector and were quick in getting the approval sorted out internally, which was refreshing and really appreciated.” 


Protek Group Limited, part of Lloyd’s broker Lucas Fettes & Partners is a self build insurance and structural warranty provider, specialising in structural warranty or latent defects insurance for the UK.  Our range of structural warranty products are backed by class leading Lloyd’s security. Insuring your next development project with Protek means you will be getting the cover you require, combined with excellent levels of service both on and off the construction site at a price that represents excellent value for money. Our new home structural warranty product solutions include, residential development, retail, mixed use, regeneration, conversion, self-build and custom build. Protek is an associate member of the CML.

Protek is a Consumer Code for New Homes code user.

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For more information on lenders that have approved the Protek warranty or our structural warranty products, please check out the listing on our website or call Protek on 0333 456 5040.


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Protek Warranty recognised by Lloyds Banking Group



Lloyds Banking Group has declared Protek Warranty as acceptable for its lending purposes, and added Protek Warranty into its Council of Mortgage Lenders’ (CML) handbook, entry part 2, item 6.7.1. The CML handbook provides comprehensive instructions for conveyancers acting on behalf of lenders in residential conveyancing transactions.

Protek, a trading style of Lucas Fettes Limited, provides structural warranties to the UK house building, construction and self build sectors.

“We are delighted that Lloyds Banking Group has added Protek Warranty to their CML entry. Protek is a Consumer Code for New Homes member for its new home warranty product, and this has been very beneficial in us gaining lender approval from Lloyds Banking Group,” said Simon Middleton, who heads up the Protek team.

“Insuring your next development project with Protek means you’ll be getting the cover you require, a high level of service, and a price that represents excellent value for money”, Simon continued.

The Consumer Code for New Homes was established to ensure that best practice is followed in respect of the marketing, selling and purchasing of new homes, and to set expected standards for after sales customer care service. Protek is a Consumer Code for New Homes member for its new home warranty product, which is specifically designed for builders and developers, providing homeowners with class leading new home warranty cover. It includes developer insolvency protection.


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Notes to Editors

Protek Warranty is Lucas Fettes & Partners’ structural warranty operation and specialises in 10 year building guarantees or latent defects insurance. Protek’s structural warranty product range is backed by an ‘A’ rated insurer, and has been designed for builders and developers of residential, regeneration and commercial properties

Lucas Fettes & Partners is a national, independently owned insurance and financial services group. The company employs over 200 staff and has a nationwide network of nine offices, catering to both commercial and personal clients.


0845 217 7059

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Market researcher predicts buoyant self build market despite recent slowdown

19 January 2016

Source Self Build Portal

A lead economist is predicting an upturn in the self build market, despite new figures showing minimal growth in the number of planning applications for new self build homes in 2015.

Just under 18,000 were submitted last year, 30 per cent below the historic 2010 peak figure. The latest data from construction industry analysts Barbour ABI also indicates that self build planning applications in 2015 were the second lowest for eight years, with only 2014 faring worse. These figures are more surprising considering the apparent turn-around over the last two years within the housing market.

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Nationwide Building Society confirms Protek Structural Warranty as acceptable for lending purposes.

Nationwide Logo

Nationwide, the worlds largest building society and their lending subsidiary The Mortgage Works (UK) plc have today confirmed the addition of the Protek Warranty (Protek) to the panel of structural warranty providers acceptable to them for lending purposes. Protek’s Simon Middleton said “This is positive news,  Nationwide Building Society have been diligent in their consideration and undertaken a thorough review of the product, so we are confident it will also be accepted by other CML and BSA members going forward.” Confirmation of the status can be found in both the Nationwide Building Society and The Mortgage Works respective Council of Mortgage Lenders Handbook Entries.

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Contact Us

Protek Group Limited,
First Floor, Marlbridge House,
Enterprise Way, Edenbridge,
TN8 6HF.

Tel: 0333 456 8030



Protek Group Ltd is is authorised and regulated by the Financial Conduct Authority. Protek Group Limited FCA Reg. No. 999394.

Protek Group Ltd registered office: First Floor, Marlbridge House, Enterprise Way, Edenbridge, Kent, TN8 6HF. Registered in England and Wales. Company Number 09616620.




Financial Ombudsman Service
Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service Exchange Tower, London, E14 9SR | Tel: 0800 023 4567 or 0300 123 9 123 |