Self-Build Site Insurance

Arranging self-build site insurance is incredibly important. It helps you protect your investment from the time you exchange contracts on the plot, and it continues throughout the project until completion.

Cover can be arranged for loss or damage to the works, materials, plant, tools and equipment. Liabilities incurred throughout the building project are included too. If you are living on site, the policy can optionally extend to cover the caravan, site hut, contents and personal possessions.

✓  A-Rated Insurer✓  10+ Years Experience✓  Trusted by thousands of UK self-builders✓  Online quotes available

WHY IT MATTERS

Protect your investment from the moment you exchange contracts

Arranging self-build site insurance is incredibly important. It helps you protect your investment from the time you exchange contracts on the plot – and it continues throughout the project until completion.

Cover can be arranged for loss or damage to the works, materials, plant, tools and equipment. Liabilities incurred throughout the building project can be included too. If you are living on site, the policy can optionally extend to cover the caravan, site hut, contents and personal possessions.

✓Cover structured around your specific needs and build route
✓Flexible duration – extend cover if your project runs over schedule
✓Comprehensive and competitive – quotes available online
✓Backed by an A-Rated insurer and accepted by UK mortgage lenders

WHAT’S COVERED

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Works in Progress

The structure, materials, plant and equipment on site

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Public and Employer Liability

Injury to contractors, visitors or neighbours

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Fire, Theft and Storm Damage

Including vandalism on remote or unmanned sites

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Plant, Tools and Equipment

Owned and hired-in including ongoing hire charges

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On-Site Living (Optional)

Caravan, site hut, contents and personal possessions

Get Your Quote Online

WHY YOU NEED IT

It's not just serious losses you need to think about

Essentially, it’s just not worth leaving your project uninsured. Here’s what can go wrong – and why cover matters at every stage.

Fire, Flood and Storm Damage

Serious losses like fire or flood are an obvious risk - but storm damage on a partially built structure, or vandals causing destruction without stealing anything, can be just as costly.

Theft of Plant and Materials

A mini digger can cost £16,000 or more to replace - and if you've hired it, you may be liable for continual hire charges until it's replaced. Remoteness of a site adds to the risk.

Injury and Liability Claims

Building sites are hazardous. Injury to contractors, friends or visitors - whether invited or not - could become your responsibility. Liability claims are usually very large and can result in prosecution.

COVER THAT FITS YOUR PROJECT

Built for all types of self-builder

Your project may take shape in a variety of different ways. Irrespective of your chosen build route, Protek has a solution for you.

100% DIY

Doing it all yourself from groundworks through to fit-out - Protek covers every stage, even with no main contractor on site.

Builder and Subcontractors

Managing multiple trades on site? Protek's policy is built for this approach, covering employer and public liability throughout.

Timber Frame System

Using a specialist timber frame system or package company? Cover is available for the full project from foundations up.

Custom Build and Turnkey

Working with a main contractor on a full turnkey solution? We cover projects even where a third-party contractor is managing the build.

Ready to protect your project?

Get a full quote online in minutes – tailored to your build route and project value.

Get a Free Quote

GETTING COVERED

Straightforward to arrange

Our staff have many years’ experience helping people get the right cover in place. The cover is designed to be inherently flexible – both in terms of product options and duration.

01.

Get a quote online

Answer a few quick questions about your project type, build value and duration. Our online system generates a full quote indication in minutes – no obligation, no phone call needed.

Get a quote ›
02.

Tailor your cover

Choose the level of cover that fits your project and budget. Select only the elements you need – works in progress, liability, plant cover, on-site living – and nothing you don’t.

03.

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

Site Insurance and Warranty for Your Project

A clear overview of the site insurance and structural warranty products available through Protek – what they cover, when you need them, and how they work together.

Download Free Guide

FREE PDF GUIDE

Essential Guide to Insuring Your Project

Everything you need to know about insuring a self-build project – written for self-managing homeowners who want to understand their options without the jargon.

Download Free Guide
A-Rated Insurer

THE EXPERIENCED PROVIDER

The experienced self-build insurer you can rely on

The dedicated team at Protek have 10 years of combined experience in self-build insurance provision. We genuinely understand the risks you face when undertaking a self-build, conversion, renovation or extension project.

We work hard to tailor the protection to suit the type of project you are undertaking – this means you are only selecting and paying for the essential elements of cover you need.

Get a Site Insurance Quote
✓
A-Rated Insurer

Backed by an A-Rated insurance provider – giving you confidence that your claim will be paid.

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Flexible, Tailored Cover

Only pay for the cover you need – policies designed around your project type and build route.

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Lender Approved

Protek enjoys wide acceptance by UK banks and building societies – making it easier to get your mortgage in place.

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Flexible Cover Periods

Self-builds don’t always run to schedule – Protek offers flexible periods and short-term extensions so you never run out of cover.

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Online Quotes Available

Get a full quote online in minutes for new build, conversion, renovation or extension projects.

COMMON QUESTIONS

Frequently asked questions

Your self-build site insurance should be in place from the moment you exchange contracts on the property or land. This is the point at which your exposure to risk starts – don’t wait until construction begins. You are legally responsible for the plot from exchange, even before any building work takes place.
Protek’s site insurance covers new-build homes, barn conversions, renovations, and extensions. Whether you’re a 100% DIY builder, working with subcontractors, using a timber frame system, or going with a turnkey main contractor – the cover can be structured around your specific build route.
Yes. The policy covers theft of materials stored on site as well as plant, tools and equipment. If you have hired in a piece of plant such as a mini digger and it is stolen, you may be liable for the ongoing hire charges until it is replaced – our cover addresses this. Remoteness of a site just adds to the risk of theft.
Protek recognises that self-build projects don’t always run to schedule – which is why flexible cover periods are available, along with the ability to purchase short-term extension policies to maintain continuous cover as required. It’s important not to let your insurance lapse between stages.
Yes. Public liability is included, covering you if a third party – a neighbour, visitor, contractor or delivery person – is injured on your site or their property is damaged as a result of your build activities. Employer’s liability can also be included if you are directly employing people on site. Claims for injury from building sites are usually very large and can result in prosecution.
Yes – site insurance and structural warranty are two different products. Site insurance covers you during the build. A structural warranty covers the completed property for 10 years against defects in design, workmanship, materials and components. Your lender will require a structural warranty. Protek provides both – find out more on our structural warranty page.

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.

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10-Year Structural Warranty

Required by most mortgage lenders. Covers major structural defects for 10 years after completion.

Find out more ›
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Self-Build Mortgage Support

Protek’s policies meet lender requirements for staged-release mortgages – making your application straightforward.

Find out more ›
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Policy Summary

All site 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.

✓ A-Rated Insurer   ✓ 10+ Years Experience   ✓ Trusted by thousands of UK self-builders   ✓ Lender Approved