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Building guarantee schemes

This advice applies to England

This page provides details on building guarantee schemes for new homes, insurance for bad building work or if the builder goes out of business and a payment protection scheme.

Warranties on new homes

Consumer Code for Homebuilders

The Consumer Code for Homebuilders is a code to make home buying fairer. There is a dispute resolution scheme to deal with complaints within two years of buying a home, if builders don’t comply with the code.  The main warranty providers adopt this code.

Local Authority Building Control (LABC) Warranty

Warranties for England and Wales on new homes
Haymarket Court
Hinson Street
Birkenhead
Wirral
CH41 5BX

Tel 0845 054 0505
Email: enquiries@labcwarranty.co.uk
Website: www.labcwarranty.co.uk

National House-Building Council

The National House-Building Council (NHBC) is an independent organisation that maintains a register of builders of new houses. Before being accepted onto the NHBC register, a builder must be able to show that they are technically and financially competent, and agree to abide by the NHBC Rules and Standards which cover technical requirements and guidance on practical design, suitable materials and quality of workmanship. NHBC technical staff examine homes at the design stage and carry out inspections at key stages of construction.

The NHBC runs the Buildmark scheme which covers homes built by NHBC registered builders for ten years once the NHBC has certified them as finished. The Buildmark scheme will, for example, protect a client's money if the builder goes bankrupt after contracts have been exchanged but before completion. It also covers defects which arise because the builder has not conformed with the NHBC Rules and Standards. Under the first two years of the Buildmark scheme, the builder is responsible for putting right any defects. During the third to tenth year, damage to a home resulting from building defects is covered by an insurance policy. The contact details of NHBC are:

National House-Building Council (General enquiries)
Customer Services
NHBC House
Davy Avenue
Knowlhill
Milton Keynes
MK5 8FP

Tel (ask for Customer Services): 0844 633 1000 (Monday to Friday from 8.30am to 5.30pm)
Fax: 01908 747255
Email: cssupport@nhbc.co.uk
Website: www.nhbc.co.uk

National House-Building Council (Claims)
Claims Department
NHBC House
Davy Avenue
Knowlhill
Milton Keynes
MK5 8FP

Tel (ask for Claims Department): 0844 633 1000 (Monday to Friday from 8.30am to 5.30pm)
Fax: 0844 633 0022
Email: claims@nhbc.co.uk
Website: www.nhbc.co.uk

National House-Building Council Scotland
Suite 4
5 New Mart Place
Edinburgh
EH14 1RW

Tel: 0844 633 1000 (Monday to Friday from 8.30am to 5.30pm)
Fax: 0870 850 4495
Website: www.nhbc.co.uk

National House-Building Council Northern Ireland
Holyrood Court
59 Malone Road
Belfast
BT9 6SA

Tel: 0844 633 1000 (Monday to Friday from 8.30am to 5.30pm)
Fax: 0844 633 0022
Website: www.nhbc.co.uk

Premier Guarantee

Premier Guarantee provide warranties on new homes in the UK

Premier Guarantee
2 Shore Lines Building
Shore Road
Birkenhead
Wirral
CH41 1AU

Tel: 08444 120 888
Website: www.premierguarantee.co.uk

Zurich Municipal Building Guarantee Scheme

Zurich is not taking on any new business for its building guarantee scheme, but continues to support existing customers. 

Zurich Insurance plc

Building Guarantee
Zurich House
2 Gladiator Way
Farnborough
Hampshire GU14 6GB

Tel 01252 377 474
Email: building.guarantee@uk.zurich.com
Website: www.zurich.co.uk

Insurance for bad building work or if the builder goes out of business

Building Guarantee Scheme Ltd

Northern Ireland

The Building Guarantee Scheme Ltd can provide a list of registered builders in Northern Ireland who offer an insurance backed guarantee on the quality and standard of their work. The contact details are:

Building Guarantee Scheme Ltd
143 Malone Road
Belfast
BT9 6SU

Tel: 028 9087 7147
Fax: 028 9087 7155
Email: bgs@cefni.co.uk
Website: www.cefni.co.uk

Contractors Insurance Guarantee Services (NI) Ltd Northern Ireland

Contractors Insurance Guarantee Services (NI) Ltd can provide a list of registered builders in Northern Ireland who offer an insurance backed guarantee on the quality and standard of their work. The scheme also provides an Northern Ireland-wide register of guaranteed registered contractors for grant applications to the Northern Ireland Housing Executive. The contact details are:

Contractors Insurance Guarantee Services (NI) Ltd
Whitehall Chambers
43 New Row
Coleraine
BT52 1AE
Tel: 028 7032 5980
Fax: 028 7034 3641

Construction Employers Federation - Building guarantee scheme

Provides list of builders who are registered with the Building guarantee scheme and provide insurance in Northern Ireland.

143 Malone Road
Belfast
BT9 6SU

Tel 028 9087 7147
Email: bgs@cefni.co.uk
Website: www.cefni.co.uk

Federation of Master Builders

The Federation of Master Builders offer Build Assure domestic and commercial warranties. This is an insurance backed guarantee that protects you against your chosen builder going into liquidation or otherwise ceasing to trade.

The contact details are:

Federation of Master Builders
4 Brooklands Avenue
Cambridge
CB2 8BB

Tel: 01223 508407
Fax: 01223 300 848
Email buildassure@fmb.org.uk
Website: www.fmb.org.uk/build-assure

Payment protection scheme

The Furniture Ombudsman

The Furniture Ombudsman provides a payment protection scheme if you have paid all of the money for a home improvement installation in advance. This includes the supply and fit of a fitted kitchen, fitted bathroom, fitted bedroom, fitted home office or other installation including conservatories. This scheme is only available if the company supplying and fitting is a full member of the Furniture Ombudsman.

Money is held in a protected account that can be drawn upon if there is a complaint and you win the case.

The contact details are:

The Furniture Ombudsman
2nd floor
3-4 Viewpoint Office Village
Babbage Road
Stevenage
Herts
SG1 2EQ

Tel: 0333 241 3209
Email: info@thefurnitureombudsman.org
Website: www.thefurnitureombudsman.org

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