Extension Insurance
Extension insurance is essential from the moment you begin works. It is not just your new extension that needs covering. The existing structure being extended, usually your home, is exposed to risk too. If a wall collapses during opening works, standard buildings insurance will not cover you. Most home insurance providers exclude cover while a property is unoccupied, being renovated or extended, and even where some cover is offered it will not adequately protect you against the risks you actually face.
Protek extension insurance completely replaces the need for buildings insurance during the works. It covers the existing structure, all new works, materials, plant, tools and equipment, plus public liability and employers liability as standard.
WHY IT MATTERS
Protect your home and your extension from the moment work starts
Extension insurance is essential from the moment you begin works. It’s not just your new extension that needs covering – the existing structure being extended (usually your home) is exposed to risk too. If a wall collapses during opening works, standard buildings insurance won’t cover you. Some home insurance providers will even withdraw cover entirely during an extension project.
Protek extension insurance completely replaces the need for buildings insurance during the works. It covers the existing structure, all new works, materials, plant, tools and equipment, plus public liability and employers’ liability as standard.
WHAT’S COVERED
The existing property being extended and all new extension works, including temporary works
Injury to contractors, visitors or neighbours – included as standard
Materials, plant and equipment on site protected against a wide range of perils
Owned and hired-in plant including ongoing hire charges if damaged or stolen
Contractual liability cover for damage to adjoining owners’ property under the Party Wall Act
WHY YOU NEED IT
It's not just the new works you need to think about
Extension projects expose you to risks that most homeowners don’t consider until something goes wrong. Your contractor’s public liability insurance will not adequately protect you – it covers their liability, not yours. And if you’re managing the project yourself, the responsibility for the site and everyone on it falls squarely on your shoulders.
Collapse During Opening Works
Creating a new opening in an existing wall is one of the most dangerous phases of any extension. If the structure collapses, standard home insurance won't cover it - Protek will.
Theft of Materials and Plant
Building materials, tools and hired-in plant are valuable targets. If they're stolen or damaged on site, extension insurance ensures you're not left out of pocket.
Injury and Liability Claims
Building sites are hazardous. Injury to contractors, neighbours or uninvited visitors can become your legal responsibility - and claims can be substantial.
COVER THAT FITS YOUR PROJECT
Cover that fits your extension project
Your project may take shape in a variety of different ways. Irrespective of your chosen build route, Protek has a solution for you.
Occupied Extension
Extending while living in your home? Protek can cover occupied properties throughout the works, protecting both the existing structure and the new extension.
Unoccupied Property
Property vacant during the works? Unoccupied properties carry higher risk - Protek covers these too, so you're protected regardless of occupancy status.
Contractor-Led Project
Using a main contractor to manage the works? Even with a contractor on site, you remain liable for the existing structure - Protek covers both.
Party Wall Agreements
Working within 3-6 metres of a boundary or party wall? Protek can include party wall contractual liability cover to protect you under the Party Wall Act 1996.
Ready to protect your project?
Get a full quote online in minutes – tailored to your extension type and project value.
GETTING COVERED
Straightforward to arrange
Our team has many years’ experience helping homeowners arrange the right cover for their extension project. We’ve designed our extension insurance to be flexible on cover duration and options, while remaining comprehensive and competitively priced. If you’re unsure whether your contractor’s insurance covers the existing structure, the answer is almost certainly no – call us on 0333 456 8030 and we’ll talk you through it.
Get a quote online
Answer a few quick questions about your extension type, build value and duration – and get a full quote in minutes.
Get a quote ›Tailor your cover
Choose the level of cover that fits your extension and budget. Select only what you need – existing structure, new works, liability, plant cover, party wall – and nothing you don’t.
Build with confidence
Receive your policy documents and begin your build knowing your project is protected from day one. Need to extend because your build is running over? Protek offers flexible short-term extensions.
Get started ›FREE RESOURCES
Download our free guides
Not sure what cover you need? Our guides explain your options in plain English – no jargon, no obligation.
FREE PDF GUIDE
Extension Insurance Guide for Homeowners
A clear overview of the extension insurance and structural warranty products available through Protek – what they cover, when you need them, and how they work together to protect your project.
Download Free GuideFREE PDF GUIDE
Essential Guide to Insuring Your Extension
Everything you need to know about insuring a home extension project – from cover types and liability to party wall obligations and structural warranties.
Download Free Guide
THE EXPERIENCED PROVIDER
The experienced extension insurer you can rely on
The dedicated team at Protek have 10 years of combined experience in specialist construction insurance. We work with an A-Rated insurer to deliver cover that genuinely protects your extension project – not just ticks a box. Whether you’re building a single-storey kitchen extension or a large two-storey addition, we’ll ensure you have the right cover in place from day one.
COMMON QUESTIONS
Frequently asked questions
When does extension insurance need to be in place?
Cover should be in place from the moment you start any works on the property – including enabling works, demolition or the creation of any new openings. It must remain in place until the project is fully completed and taken into use.
Does extension insurance replace my home insurance?
Yes. The Protek extension policy completely replaces the need for buildings insurance during the works. Your existing home insurance is unlikely to cover the risks associated with an active building project and some providers will withdraw cover entirely once works begin.
Will my contractor's insurance cover the existing structure?
Almost certainly not. A contractor’s public liability insurance covers their own liability – it does not cover damage to the existing property. If the existing structure is damaged during the works, that liability typically rests with you as the homeowner.
What if my project runs over schedule?
Protek offers flexible cover periods from 3 months to 2 years. If your project runs over schedule, cover can be extended so you’re never left without protection. We recommend building in some contingency from the outset.
Is Party Wall liability covered?
Yes, as an optional add-on. If your extension falls within 3-6 metres of a party or boundary wall, you may have obligations under the Party Wall Act 1996. Protek can include contractual liability cover for any damage caused to adjoining owners’ properties.
Do I need employers' liability cover?
Yes, if you’re engaging any workers directly – even on a casual or informal basis. Employers’ liability is a legal requirement in this situation. It is automatically included as standard in the Protek extension insurance policy.
COMPLETE YOUR COVER
Don't forget - you'll also need a structural warranty
A structural warranty covers the property for 10 years against defects in design, workmanship, materials and components. Your lender will require one – mainly because it helps secure their lending risk on your project.
Protek provides both products, so you can arrange everything in one place. Our structural warranty has been designed specifically for self-build projects and is accepted by UK banks and building societies.
10-Year Structural Warranty
Required by most mortgage lenders. Covers major structural defects for 10 years after completion.
Find out more ›
Self-Build Mortgage Support
Protek’s policies meet lender requirements for staged-release mortgages – making your application straightforward.
Find out more ›
Policy Summary
All extension insurance cover information at a glance – exactly what is and isn’t included in the policy.
Request a summary ›Your build deserves proper protection.
Get a full quote online in minutes – or call our specialist team on 0333 456 8030.
Get a Free Quote 0333 456 8030
✓ A-Rated Insurer ✓ 10+ Years Experience ✓ Trusted by thousands