Structural warranty cover for UK developers & housing providers
10 & 12-year LDI policies. Access to specialist insurer and capacity provider markets. Accepted by the majority of UK Mortgage Lenders. Indicative terms typically within 24 hours.
- Specialist Insurer Markets
- Accepted by the majority of UK Mortgage Lenders
- Indicative Terms within 24hrs*
- Retrospective Cover*
- FCA Authorised and Regulated Broker
Get your LDI quote
Tell us about your project – we’ll come back to you.
Specialist Insurer Markets
Dedicated capacity for LDI
Accepted by the majority of UK Mortgage Lenders
Meets lender handbook requirements
Indicative Terms within 24hrs*
*Subject to satisfactory information & underwriting
Retrospective Cover*
*Subject to underwriting review
FCA Authorised and Regulated Broker
What is LDI?
Cover for Structural Defects
Latent defects insurance (LDI) provides long-term protection against structural defects arising from design, workmanship or materials that were not apparent at completion but later cause physical damage.
It is primarily used for residential developments, mixed-use schemes, and commercial property where lender security is critical — the cover stays with the property during any sale, without renewal, for the full policy term.
Unlike buildings insurance, LDI protects the asset itself rather than the contractor, making it attractive to lenders, investors and future purchasers.
LDI is often treated as a checkbox for lenders. In reality it is one of the most commercially sensitive decisions you make on a project — handled correctly it reduces risk, supports funding, and protects long-term asset value.
Checkmate’s in-house technical team and long-standing relationships with specialist capacity providers mean we can position your project effectively within the underwriting market.
Year policy term
Indicative terms*
Authorised & regulated broker
Who it's for
Built for developers, housebuilders & housing providers
Professional developers & housebuilders
Residential and mixed-use developments of any scale. From single-unit conversions to major housing schemes requiring structural warranty cover acceptable to mortgage lenders.
Housing associations & registered providers
Affordable housing, shared ownership and community-led developments. 12-year policies available for registered providers where required by funder or lender.
Build-to-Rent developers
Purpose-built rental schemes requiring structural warranty cover that satisfies institutional investors and lenders. LDI policies are fully assignable, meaning cover transfers seamlessly as ownership changes hands.
What's covered
What a Checkmate LDI policy covers
Checkmate LDI policies provide protection against structural defects arising from defects in design, workmanship or materials, together with the resultant structural damage covered under the policy.
Cover is provided for the duration of the policy term — typically 10 years from practical completion, with 12-year terms available where required — and is fully assignable to future owners without the need for renewal.
Optional add-ons
(subject to policy terms and insurer acceptance)
- Loss of rent & alternative accommodation
- Mechanical & electrical damage
What LDI does not cover
LDI is not a buildings insurance product and does not respond in the same way. It does not cover cosmetic defects, maintenance failures, or damage arising from causes unrelated to the original construction. Whether cover applies will depend on the underlying cause and the specific policy wording.
The process
Getting your LDI quote in three steps
Tell us about your project
Complete the short form above — project type, reinstatement value and contact details. Takes under two minutes.
We approach the market
Our in-house technical team reviews your project and approaches our specialist insurer and capacity provider panel on your behalf.
Receive indicative terms
Compare terms, confirm cover, and receive your policy certificate. Fully assignable to future buyers throughout the policy term.
Why Checkmate
Three reasons developers choose us
In-house technical expertise
Our in-house surveying team and experienced technical specialists provide support throughout the underwriting and policy process — from initial assessment to certificate of insurance.
UK Finance compliant
Policies meet the requirements of the UK Finance Mortgage Lenders’ Handbook for newly built and converted residential properties. Speak to our team for confirmation on specific lender requirements.
Established. Recognised. Trusted.
Built on track record, not promises. Checkmate is one of the most established names in the UK structural warranty market. Our long-standing relationships with specialist capacity providers and our reputation for technical rigour mean your project is presented to underwriters by people who are known and respected in the market.
Already built?
Retrospective LDI — cover after completion
If your project is complete but you need cover to satisfy a lender, enable a sale, or protect future owners, Checkmate is able to review your development and arrange retrospective LDI where appropriate.
Subject to underwriting review and project-specific criteria. Speak to our team for an initial assessment.
Ready to get covered?
Get your LDI quote today
Fill in the form above or speak directly to our team. FCA regulated.