A. Towergate Schemes manage the Project Builder facility and is part of the Towergate Underwriting Group Europe's largest independently owned insurance intermediaryregistered by the Financial Services Authority (FSA). Project Builder has provided insurance's for thousands of Self Builders during their build and has insured property with a total value in excess of £300 million.

A. Core covers:

• Building works (package) - Ideally as soon as you have purchased the land as it is important to have the Public Liability & Legal Expenses cover in place.
• The Premier Guarantee - Ideally at least 10 working days before the commencement of ground works. This is because the surveyor needs to make an appointment to visit the site once the footings have been dug.

A. The Premier Guarantee is an independent insurance policy which provides cover within the parameters of the policy wording. You know from the outset exactly what you are covered for and do not have to prove who was responsible for the damage. An Architects Certificate is merely a document which states that the building has been built to a certain standard - it is not an insurance policy. If you have subsequent problems with the property it would be down to the home owner to take action against the Architect and prove that the structural fault was as a result of their negligence. This can prove to be a long, costly and difficult procedure, especially if you need to pursue a claim through the courts. The Premier Guarantee is underwritten by Liberty Mutual and for added recognition, it is now listed in the Council of Mortgage Lenders (CML) Handbook.

A. Liberty Mutual has over $50 billion in consolidated assets and $13 billion in consolidated revenue. They employ over 37,000 people across 900 offices, worldwide.

A. Project Builder uses the Premier Guarantee which is acceptable to all leading Building Societies and Banks and can be found in the Council of Mortgage Lenders handbook.

A. Yes. The Premier Guarantee uses a network of qualified surveyors throughout the UK.

A. Project Builder is able to provide cover for all areas listed above but you must tell us what You are doing before the policy is taken out.

Q. Can I cover the existing structure?    

A. Usually, yes but cover will depend on the condition and value of the structure.

A. Yes. The sum insured is £10,000 and can be increased for specified periods on application to us, if so required.

A. No as this is a specialist area but all Project Builder clients are provided with a 24/7 Health and Safety hotline number should they have any urgent queries.

A. We have a specialist Household Department which provides insurance for thousands of clients Worldwide. As Household insurance is a specialist area, we do not merely convert your expired site insurance policy into a Household policy. Like you, we want to make sure that your property is being adequately protected and in view of this, a complete reassessment of your assets takes place. What's more, we will continue applying your 20% discount for as long as the policy is in force. So why not compare our rates on the longer term?