"Quality is never an accident. It is always the result of high intention, sincere effort, intelligent direction and skillful execution"

John Ruskin. 1819-1900 (Victorian Art Critic, Draughtsman, Social Thinker & Philanthropist)

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The main aim of our approach is to improve the quality of construction in the UK and we achieve this by collaborating with Developers & Builders who really commit to building quality properties.


At Q, we understand that affordable housing not only serves the investment requirements of many funds and bodies, but that Registered Social Landlords and Housing Associations must be in a position to provide high quality property to meet the needs of the many stakeholders involved, from shareholders and funders to tenants, client representatives and building/maintenance managers.


That is why Q offers an exclusive Structural Defects Insurance to the Affordable Housing Market – offering lifetime cover if you want it.


It is a highly risk-managed, quality focussed, flexible insurance, designed to meet the needs of any project and developed with all of the constraints of housebuilding in mind, ensuring that we can offer you a whole lot more than just insurance cover if you need it.


Essentially, if your new-build properties comes with The Q Policy, it means they are quality properties which have been built under the supervision of our "right-first-time" surveying team and underwritten by Lloyd’s of London, one of the oldest and most prestigious expert underwriters in the world.



Affordable Housing Policy

The Q Policy for Affordable Housing has been specifically designed for Registered Social Landlords and Housing Associations building, purchasing or commissioning New Homes in the UK.

It is an innovative approach to Structural Insurance and provides you with a real alternative to the traditional warranty for your affordable housing project, providing you with insurance cover for as long as you want it. And if you subsequently want to change the layout or make further adaptations to your homes, we give you the option to do this and maintain cover for the whole property.

Q - for Property Owners
Q is the mark of quality - work with us to protect your investment!

Key Features: The Q Policy for Affordable Properties

  • Minimum of 8 inspections per plot - Q commits to having the most regular and best risk management approach in the UK

  • Insurance Product offering Lifetime Property Cover

  • Policy underwritten by certain underwriters at Lloyd’s of London - the world’s specialist insurance market

  • Insolvency Cover for Defects Liability Period as standard - mirrors the contractual Defects Liability Period

  • Single point of recovery for Claims - no-fault redress dealing with Q direct from Day One of cover

  • Minimum Claim Valuefor both properties and common parts, rather than costly excess or deductible

  • Financial Loss Cover available - including costs of securing abandoned sites

  • Statutory Notice Indemnity included in cover - sometimes known as Contaminated Land cover

  • Clerk of Works & Snagging Service available

  • Cover automatically included for loss of rent or alternative accommodation

  • Structural extensions & modifications can be included in cover

  • Clear, concise & unambiguous cover

  • Feedback, assistance, guidance & training - available for you and your contractors

  • Independent Dispute Resolution Service available

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Information for Housing Associations
How Does The Q Policy Work? aff guide Key Facts - The Q Policy Affordable Housing Client Guide

Nine reasons to choose Q for your development...

Further Information

Our policies have A-rating backing, underwritten by certain underwriters at Lloyd's!   Find out more here.


We guarantee a minimum of 8 surveys per plot, offering greater site presence from knowledgeable surveyors.


No need for costly collateral warranties - our insurance product provides no-fault redress for Policyholders.


Our lifecycle costing approach reduces up-front development costs with no need for bonds / monies in Escrow.


With loss of rent cover, minimum claim value, financial loss cover and a Defects Liability Period dictated by the Contract.


From Day One, you deal with Q direct if you have any problems and we manage the process for you.


You have ultimate control over your policy cover and can extend it to include structural extensions & amendments.


In an increasingly environmentally conscious world, we actively encourage innovation & eco-friendly building methods.


Lifetime cover available for your properties - it's the ultimate commitment to quality!

Find out more about our Insurance Policies using the links below:

1. World-Class Underwriter:


2. Better Quality Control:


3. Reduced Costs:


4. Better Cashflow:


5. Designed for you:


6. Single Point of Contact:


7. Flexibility of Cover:


8. Modern Methods:


9. Unique Flexibility:

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