Check out our list of FAQs and answers for homeowners or people looking to buy a new-build home.
If you are buying a newly-built home you will need cover such as Buildmark in order to secure a mortgage and release funds.
If you are buying a newly-converted property your lender may not require you to have such cover, however, buying a property with Buildmark cover will give you reassurance that you will have protection if problems arise in the future. Please note that sometimes on conversion properties we add exclusions to the cover - these will be printed on your insurance certificate.
You should have received your Buildmark policy documents from your solicitor or conveyancer upon legal completion.
If you have not yet received your policy documents, please contact NHBC Customer Services at firstname.lastname@example.org, quoting your name, address, postcode and NHBC Buildmark policy number if available.
Alternatively, please call 0800 035 6422, and say 'Duplicate Documents'.
Selling, Moving, Building
If you are buying an older home where the Buildmark policy has not expired, the current owner should provide your solicitor or conveyancer with the Buildmark certificate and policy details. We recommend that once you have moved, you email us with your policy number, name and contact details.
If you have moved in to a property that you believe has Buildmark cover and you do not have the certificate, our Customer Services team can issue a duplicate for you. Please email email@example.com quoting your name, address and postcode or call 0800 035 6422 and ask for 'Customer Services'.
Electronic copies of the policy booklets are available, click here.
To offer Buildmark cover, your builder is required to build in accordance with the NHBC Requirements.These are contained in the NHBC Standards which include the technical requirements, performance standards and guidance for the design and construction of new homes that all NHBC registered builders and developers are required to build to for newly-built homes registered with NHBC.
Our inspectors carry out inspections of all new NHBC registered developments at key stages during their construction to check compliance, as far as reasonably practicable, with the NHBC Standards.
Please visit this page What does Buildmark cover? for information about the warranty and insurance cover provided by Buildmark.
Yes. The most we will pay is the original purchase price as shown on the insurance certificate up to a maximum of:
£1,000,000 for a newly-built home (up to a maximum of £25 million for all homes in a continuous structure) or...
£500,000 for a converted home (up to a maximum of £5 million for all homes in a continuous structure).
Note: The insured value may have been increased above these limits in special circumstances. Please refer to your Buildmark certificate and schedule, or contact our Customer Services team for further information.
The limits are increased on each anniversary of the completion date by 5% of the original limit. We then deduct amounts we have paid or have to pay for claims we have accepted (please see the current Buildmark Policy document for full details).
NHBC registered builders and developers apply and pay for Buildmark when they register their building plots with NHBC.
Buildmark warranty and insurance cover is included when selling newly-built or newly-converted residential homes to homebuyers in the UK.
Can't find your policy document?
If you know your policy number you can download a copy of your policy booklet here
Please note: If your policy starts with AJ, AE or XA or you don’t know your policy number then you will need to call our Customer Services Team to obtain your policy booklet.
Can't find your insurance certificate?
Our Customer Services team can issue a duplicate for you. Please email firstname.lastname@example.org quoting your name, address and postcode.
Selling, Moving, Building
Firstly you should ensure that you have an appropriate contract with the builder to build your home. It is the builder's responsibility to register your home with us for Buildmark cover and pay the appropriate fee.
Find out more about custom-build projects
We recommend that you check you have an offer of Buildmark cover before entering into a contract to have your home built and that you or your legal advisor accept the offer as soon as you have entered into the contract. You may be at risk of not having the benefit of Buildmark cover if you do not do this.
If you're planning to build the home yourself, then you will need a self-build policy. Find out more here
If you are the first owner of the home, Buildmark gives you protection from exchange of contracts if, due to your builder's insolvency or fraud, you lose your deposit or have to pay more to complete the building of your home.
Cover then continues for ten years from the date on your Buildmark insurance certificate - usually the date of legal completion. If you sell the home, the remaining cover passes to the new owner.
This remaining cover means both the balance of the 10 years post-completion, and also any available financial limit. Any claims made may have reduced, either partially or wholly, the financial limit available for future owners.
If you are not sure if your property is covered by an NHBC warranty, please email us at email@example.com, with your full name, address, postcode and a daytime telephone number, and we will let you know.
Alternatively, please call us on 0800 035 6422, and ask for 'Customer Services'.
If you're concerned that there’s a problem with your home, we recommend you take the following steps:
First, check that you have Buildmark cover and if you have, check your policy documents to see if the problem you’re experiencing is covered. If you’re not sure, our Customer Services team will be happy to help.
If your home is less than 2 years old then you should contact your builder in the first instance. If your builder is not putting things right, or you’ve been unable to contact them, we offer a free resolution service.
If your home is more than 2 years old (but less than 10 years old) then you should contact our Claims Team who will be happy to help.
Check out our Problems with my home page for more information.
Selling, Moving, Building
Buildmark provides cover for the home and is fully transferable during the lifespan of the policy. So, if you sell the home and the Buildmark policy has not expired, the new owner benefits from the remaining cover.
NHBC is the UK’s leading independent standard-setting body and provider of warranty and insurance for new homes. Our purpose is to work with the house-building industry to raise the standards of new homes and to provide protection for homebuyers in the form of Buildmark warranty and insurance. With no shareholders, we are able to invest surpluses in our purpose of improving the quality of UK house building. We also work with government and stakeholders to help shape housing policy.
NHBC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. NHBC is registered in England and Wales under company number 00320784. NHBC’s registered address is NHBC House, Davy Avenue, Knowlhill, Milton Keynes, MK5 8FP.
You can check our builder register here to see if your builder is registered with us or to find NHBC registered builders in your area.
If you’re buying a new-build home, once your conveyancer has accepted the Buildmark policy on your behalf via our online NHBC Conveyancing Portal, we will issue your Buildmark insurance certificate. Your conveyancer will be able to provide you with a copy and you will also be able to access an electronic version via NHBC HUG.
Where our subsidiary NHBC Building Control Services Ltd has acted as the Approved Inspector for Building Control, the Buildmark insurance certificate will not be issued until the Building Control Final Certificate has been issued. In this instance, the insurance certificate will include a statement that 'This home is subject to NHBC's Building Control'. Where Building Control is being carried out by a 3rd party, it is possible that we will issue the Buildmark insurance certificate before the 3rd party is ready to issue the Building Control Final Certificate. Your conveyancer should check the status of Building Control with the relevant Approved Inspector before completion.