About Retrospective Warranties
Specialist brokers for structural warranties and latent defects insurance on projects that started or finished without cover, across England, Scotland, Wales and Northern Ireland.
- Instant response
- An honest answer, early
- UK FCA Regulated Broker
- 10 and 12 year cover
- Part built and finished projects
Who we are
A broker for the warranty nobody arranged
Retrospective Warranties exists because warranties get missed. A small scheme starts before anyone registers it, a certificate turns out not to satisfy a lender, a site changes hands halfway through. By the time the gap is noticed, a buyer, a lender or a funder is usually waiting.
At that stage cover is harder to find than it would have been before the start. Providers want more survey work and more evidence, and fewer of them will look at it. We work with the specialist underwriters who do, and give you a clear view early on of whether a project is likely to be accepted.
Retrospective Warranties is a trading style of Latent Defects, which arranges structural warranties across the UK and is a trading name of Finance Delta Ltd.
How we work
What to expect from us
A broker, not an insurer
We arrange cover on your behalf with specialist warranty providers and insurers. The warranty provider named in your quotation provides the warranty and decides whether to offer cover, and the insurer named alongside it carries the risk.
Non-advised
We find the providers who may consider your project and give you the information you need to decide. We do not make a personal recommendation - the choice is yours.
Straight answers
If a project is unlikely to be accepted, we say so early, before you spend money on surveys and reports. We never promise cover is available - the provider decides.
Costs and paperwork up front
Every quotation shows the premium, the provider's fees and our broker fee separately. Our modest broker fee is only charged on success - if we do not arrange your cover, you pay us nothing. You receive our terms of business and a statement of your demands and needs before any cover is arranged.
Part of Latent Defects
Retrospective Warranties is one of a family of specialist brands run by Latent Defects, each focused on a different kind of project. If your next development has not started yet, a sister brand can register it before work begins - the simplest and usually the cheapest time to arrange cover.
- Island Warranties - Guernsey, Jersey and the Isle of Man
- Newbuild Warranties - new build homes
- Large Warranties - large multi-unit and high-rise schemes
- Conversion Warranties - conversions and change of use
- Social Warranties - social and affordable housing
- Industrial Warranties - industrial and commercial units
- Data Centre Warranties - data centres and technical facilities
Regulatory information
Retrospective Warranties is a trading style of Latent Defects, a trading name of Finance Delta Ltd. Finance Delta Ltd is authorised and regulated by the Financial Conduct Authority, firm reference number 912378. You can check our details on the Financial Services Register.
Finance Delta Ltd is registered in England and Wales, company number 08244313, at 105-107 Farringdon Road, London EC1R 3BU.
Read our terms of business, privacy policy and complaints procedure.
Tell us about the project
Give us the basics and we will come back with an honest view of whether retrospective cover looks possible and what the providers will need.
- Takes under a minute
- Instant reply by email with your reference
- We call you, usually the same working day, with an honest view of what is possible
- Part built and completed sites across England, Scotland, Wales and Northern Ireland
- Free and no obligation
Already filled in a proposal form? Email it to us or send it on WhatsApp with any drawings you have and we will take it from there.
