Buildmark Choice policy details

The following is a summary of the Buildmark Choice cover we provide:

During the first 2 years - builder warranty and NHBC Guarantee

During this period, the contractor is responsible for putting right damage to the home(s) or common parts caused by their failure to build to the NHBC Standards.  In the event of contractor insolvency in this period, we insure their obligations.

What is the contractor liable for?

  • The contractor should put right, within a reasonable time and at their own expense, any damage caused by a failure to build to our Technical Requirements which is notified to them within this period of the cover.  
  • If the occupier has to move out of the home so that work can be done, the contractor should meet any reasonable costs incurred, by prior agreement with them, for removal, storage and appropriate alternative accommodation. 
  • If the contractor has been notified of a defect or damage during this period of cover, then they remain liable to put it right even after this period has expired.

What is the contractor not liable for?

Below are some things the builder is not liable for. Please refer to the Buildmark Choice policy document for the full list.

  • Wear and tear, neglect and failure to do the appropriate maintenance.
  • Damp, condensation and shrinkage not resulting from the builders' failure to comply with the NHBC standards.
  • Storms and severe weather conditions, flooding and changes in the water-table level.
  • Fire and smoke
  • Anything specifically excluded on your Buildmark insurance certificate
  • Anything done to your home or your land after the completion date, except for work done by your builder or NHBC to fulfil responsibilities under Buildmark.
  • If you are not the first owner, anything which you knew about when you acquired the home and which resulted in a reduction in the purchase price you paid or which was taken into account in any other arrangement.

Resolution Service

If there is a dispute between you and the builder about work to be done, then we may be able to offer our Resolution Service to assist in resolving disputes about defects or damage relating to the NHBC Standards.

NHBC Guarantee

If the builder cannot meet their obligations because they are insolvent or they don't comply with an NHBC resolution report, or court judgement against them relating to their obligations under Buildmark Choice, we will complete the work on their behalf or alternatively, if we choose to, we will pay what it would have cost us to have the work done

During years 3 to 10 - insurance after the builder warranty

You are covered during this period for damage to the following specified parts of the home:

  • Foundations, walls, external cladding, curtain walling, external render and external vertical tile hanging, roofs, ceilings, balconies, load-bearing parts of the floors, flues, chimneys and access steps, to the main structure.
  • Staircases, floor decking and screeds, to the inside of the main structure, if they fail to support normal loads.
  • Retaining walls, if they are necessary for the structural stability of the main structure.
  • Double- or triple-glazing panes to outside windows and outside doors, to the main structure, if newly installed at the completion date.
  • Below-ground drainage for which you are responsible

We will also cover removal, storage, loss of rent and alternative accommodation if the occupier has to move out so that repair work can be done.

Building Regulations

If you and your contractor appoint NHBC Building Control Services Ltd for your build, your policy will include extra cover for certain breaches of some Building Regulations if they pose a danger to the physical health and safety of the occupants.

Contaminated land

Buildmark Choice also protects you if you are served, or are likely to be served, a Statutory Notice about contamination of the land that existed at completion.

What's not covered?

Buildmark Choice does not cover general wear and tear, condensation, normal shrinkage, cosmetic damage or damage arising from failure to maintain the property.  You should refer to the full policy document for information on all the exclusions and limitations that apply. 

You choose your policy excess

You can choose to set a larger excess than our standard amount. However, if the home is for sale, or for shared ownership, our standard excess will apply.

Options to extend Buildmark Choice

You can choose to add additional insurance cover to Buildmark Choice as follows:

Option 1: Insolvency cover before practical completion

You can choose to add insurance cover to protect you if your contractor is unable to complete the build due to insolvency or fraud.

Option 2: Professional fees

You can choose to add insurance cover for reasonable professional fees that you incur in connection with a valid claim.

Option 3: Extended period of cover

You can choose to extend the insurance period (including for Professional Fees if selected) by a further 2 years, giving 12 years' cover in total

Full policy document

For full details of the Buildmark Choice policy, please read this policy document:

Current Buildmark Choice policy document

This particular sample document applies to new homes registered from 01 April 2014. If you need a copy of a policy for homes registered before this date please call us on 0844 633 1000 and ask for 'Customer Services'.

Contact us

0344 633 1000
Open: Mon - Fri   08:30 – 17:30

For general enquiries or to discuss a guide price: Ask for ‘Customer Services’,
email us or write to us

To discuss a claim: Ask for ’Claims’,
email us or write to us


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