London Belgravia Brokers

Latent Defect

Latent defect insurance for residential, commercial and mixed-use developments.

Latent defect insurance provides cover for damage as a result of defective design, workmanship or materials, not discovered before the cover commences and after practical completion.

It provides cover for the owner of a new property, should it suffer from damage caused by a defect in design, workmanship or materials used. There is first party insurance in place to rectify any defect.

The term of the policy is typically 10 years but in some instances 12 years can be achieved. Additional , coverage can also include; Loss of Rent, Cost of Alternative Accommodation and Mechanical & Electrical damage.

Cover is usually arranged by the developer or  contractor, and will be assigned to any future beneficiaries.

Benefits of Latent Defects

First party insurance

Underwritten by A- rated carriers

Acceptable to all funding lines

Offers peace of mind to all mortgage providers

Removes the need for litigation

Offers peace of mind to future purchasers

We are specialist risk insurance brokers who provide our clients the most appropriate cover at the most competitive rates.

Why Work With Us

We see our role as an independent advisor who reviews the merits of each policy to help our clients make well informed decisions.

About London Belgravia Brokers

We are now established as the UK property markets go-to broker for construction insurance and finance.


Our ethos is based around outstanding customer service. Obtaining specialist property insurance can be an arduous process. We take away that pain by managing the process for our clients and ensuring they recieve the most appropriate and commercially attractive solutions.

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