New Build House Insurance

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If you plan to buy new build house, you can take advantage of preferential insurance cover with premium rates that reflect the reduced risk associated with new homes. An Ultima New Homes policy saves an average of 26% of premium to other household policies.

Select & Protect is offering Ultima New Homes, an innovative policy, which is available exclusively for homes constructed to NHBC guidelines. These requirements ensure good security as well as high standards of design and construction.

Benefits include

Discounts Available

• No claims discount.
• Higher excesses.
• Age related discounts.
• Higher Sums Insured.

Buildings Cover

• Full Accidental Damage.
• A choice of excesses from £60 to £500.
• All standard perils covered.
• 60 days unoccupancy terms .

Contents Cover

• Accidental Damage.
• Away from home worldwide cover.
• A choice of excess from £60 to £500.
• Free 10% uplift in Contents Sum Insured for Christmas and Wedding gifts.
• Valuables automatically covered up to 30% of Contents Sum Insured.
• Contents of home, garage and all outbuildings.
• Cover for children at university.
• New for old cover.
• Generous limits for pedal cycles, freezer contents, replacement locks and metered water.
• Cover for business equipment in the home.
• Theft of money and bank cards.

Options

• Legal expenses.
• MPPI.
• Home Emergency Cover.

A NHBC spokesperson comments: "The NHBC welcomes the growing recognition in the insurance industry that a new home with an NHBC warranty represents a significantly reduced risk for both buildings and contents."