C-R-L Structural Insurance Guide

www.C-R-L.com
Basingstoke I Belfast I Birmingham I Cardiﬀ I Dublin I Edinburgh
Horsham I Liverpool I London I Málaga I Newcastle

Construction Register & CRL are trading names of CRL Management Limited. Registered in the United Kingdom under registration number 07563546.
CRL Management Ltd is an Appointed Representative of BCR Legal Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA).
CONTENTS
01.
Contents
Who, What, Why?
Fast, Flexible, Competitive
Project Types:
Our Clients:
Our Clients:
Key Client Case Study - Aedis.
Recent projects
Mortgage Lenders
FAQs
.01
.02
.03
.04
.05
.06
.07
.08
.09
.10
Self Builders, Solicitors, Structural Engineers and
Surveyors
Architects, Builders & Developers, Fixed Charge Receivers, Insolvency Practitioners and
Quantity Surveyors
Self Build, New Build, Mixed Use, Barn Conversions, Distressed (Insolvent) Properties and
Partly or Fully Completed Projects
T: 0800 772 3200 / +353 1 685 2043 (Dublin) F: +44(0)20 7900 3996 info@C-R-L.com
www.C-R-L.com

WHAT WE DO?
We provide 10-year structural defects insurance
for new builds, complete or partially completed
builds, timber frame constructions, mixed-use
projects, barn conversions and distressed
(insolvent) properties.
Our clients come from a diverse range of
professions in the construction industry. They
include: developers, builders, structural
engineers, architects, insolvency practitioners,
fixed charge receivers, solicitors, accountants
and quantity surveyors.
WHO WE ARE?
C-R-L.com has supplied 1000s of structural
defects insurance policies throughout the UK &
Ireland, delivering fast, flexible cover at competi-
tive prices. With an insurer who is authorised
and regulated by the FCA, (Financial Conduct
Authority) and covered by the FSCS, (Financial
Services Compensation Scheme), C-R-L.com
offers affordable premium rates, priced on
contract value.
If you are engaged in a building project or
manage a portfolio of new-build properties that
require mortgages, then your lender will
typically require a 10-year structural defects
insurance policy on the property. C-R-L.com is
recognised by more than 30 mortgage lenders
acrosstheUKandIrelandsohere’showwecanhelp:
WHY CHOOSE C-R-L.com?
Our clients tell us that our flexible approach to
their needs coupled with our fast turnaround
and competitive premiums make us a cut above
the rest.
Our technical team also provides a full on-site
technical assessment, with regular inspections
to current building regulation standards from the
commencement of the project until completion.
02.
WHO, WHAT, WHY?
www.C-R-L.com

COMPETITIVE!
Of course, speed of execution and flexibility
only count if the price is right too! At C-R-L.com
we work tirelessly to provide the best value and
some of the most competitive structural defects
insurance policies on the market. Whether you
work for yourself on small to medium size
projects or work for a larger corporation with a
more extensive portfolio of developments, we
can provide a package that will suit your
requirements AND your budget.
FLEXIBLE!
The nature of the construction business
demands that you engage the services of
people you trust. C.R.L.com is one of the most
respected names in the industry and has a repu-
tation that we have built by delivering compre-
hensive cover at fair prices.
You can have confidence in the fact that
C.R.L.com will work closely with you to design a
tailor-made package to suit your project
demands. We have the flexibility and experi-
ence to assess every client on an individual
basis and respond to their needs accordingly.
With our fast and flexible approach to structural defects insurance
coupled with competitive pricing, C-R-L.com offers a quality solution
to all its clients.
FAST!
Time is money and this has never been truer
than in today’s economic climate. Every minute
spent not focused on your core business is
costing you money.
From your initial enquiry to the issue of your
policy, our streamlined processes are designed
to take as little time as possible out of your busy
schedule to ensure that you will have your
insurance organised quickly and smoothly with-
out any fuss or delays.
Our experienced team will respond quickly to
your enquiry and our surveyors will action site
inspections as soon as it is convenient for you.
FAST, FLEXIBLE, COMPETITIVE!
03.
www.C-R-L.com

PARTLY OR FULLY COMPLETED PROJECTS
We work closely with a number of professionals
involved in the build, management and sale of
properties that have gone into administration
at the part complete or complete stage of
development. We provide structural defects
insurance cover to help speed up the time to
either complete or sell the project.
DISTRESSED (INSOLVENT) PROPERTIES
Property developments which do not make it
to the completion stage due to the developer
going into administration are commonly
known as distressed or insolvent properties.
At C-R-L.com we can provide fast and afford-
able structural defects cover for this type of
property to help secure a speedy resale.
BARN CONVERSIONS
We recommend comprehensive and cost effec-
tive structural defects insurance cover to both
architects and individuals who are embarking
on barn conversion projects. We can also provide
policies for any other type of building conversion
from churches to office blocks and retail units.
MIXED USE
Properties which house both residential and
commercial premises are classed as “mixed
use”. We provide professional and comprehen-
sive cover for this type of project at any stage of
development or when they are completed.
NEW BUILD
C-R-L.com specialises in structural defects
insurance for new build residential properties.
These can cover single or multiple dwellings.
Cover starts from the date of practical comple-
tion. Our fast, efficient and cost effective service
helps builders to secure cover at short notice.
SELF BUILD
We provide cover for self build projects to
insure them against future structural defects
such as the destruction of, or physical damage
to, a load bearing element of the residential
property caused by a defect in the design, work-
manship, material or components of the struc-
ture. Cover against insolvency of the developer
cover can also be arranged to protect against a
situation such as the builder ceasing to trade
before the date of completion.
At C-R-L.com we can provide structural defects insurance for a range of
different property types at different stages of development or completion.
PROPERTY TYPES
04.
www.C-R-L.com

HOME OF
STRUCTURAL INSURANCE
OUR CLIENTS
C-R-L.com works closely with a wide range of professionals in the construction
industry to provide ﬂexible cover that suits their speciﬁc needs.
ARCHITECTS
We work with architects to provide structural
defects insurance for projects that they are
creating plans for. Architects act as an interme-
diary for their clients to ensure they have the
correct policy in place to cover their develop-
ment from future structural defects.
BUILDERS & DEVELOPERS
Builders and developers come to C-R-L.com to
secure comprehensive cover when they are due
to sell a recently completed development or
developments, or are looking to take on a part
complete project due to another builder going
into administration. Our policies are typically
based on contract value and do not include a
two-year builder’s liability period.
FIXED CHARGE RECEIVERS
Repossessed properties may require structural
defects insurance to be in place in order for
them to go to resale. Fixed charge receivers
work with C-R-L.com to get quick and competi-
tive cover so that the properties they are man-
aging can be sold on as soon as possible.
INSOLVENCY PRACTITIONERS
Given the current economic climate, business
generated through insolvency is becoming an
increasingly large part of our market. We work
with insolvency practitioners who manage
distressed residential properties, or are acting
as managing agent on behalf of receivers, to
speed up the time it takes to get structural
defects cover and sell the properties.
QUANTITY SURVEYORS
At C-R-L.com we have a history and working
relationship with a number of leading quantity
surveyors across the UK and Ireland. Our
relationship involves supporting quantity
surveyors and their clients in the costing and
purchase of structural defects insurance, prices
of work, labour, materials, plant machinery and
the implications of design decisions.
Next page >>
SELF BUILDERS
SOLICITORS
STRUCTURAL ENGINEERS
SURVEYORS
05.
www.C-R-L.com

SURVEYORS
We work with surveyors who discover proper-
ties which require structural defects insurance –
particularly barn conversions, completed or
partially completed builds and mixed use
projects. C-R-L.com can arrange 10-year struc-
tural defects insurance for residential property
and regularly engages with surveyors whose
clients may require this cover as a mortgage
requirement.
SELF BUILDERS
We work quickly and efficiently to ensure that
self builders have a competitive structural
defects insurance in place at any stage of their
project development. From initial enquiry to
issue of cover, our streamlined processes are
designed to keep time and costs to a minimum.
Our surveyors will review the build at different
stages of development to ensure that it meets
the structural requirements and high standards
demanded by our insurer throughout the
project.
SOLICITORS
The process of buying and selling houses can be
complicated, not to mention time consuming.
C-R-L.com works quickly and efficiently to
provide solicitors and their clients with compre-
hensive structural defects insurance, giving
them one less aspect of the buying and selling
process to worry about. C-R-L.com can even
provide structural defects insurance after a
build has been completed.
STRUCTURAL ENGINEERS
Our clients include structural engineers who discover new builds that do not
have structural defects insurance cover in place. They come to C-R-L.com to
secure cover that will protect the building and its future residents from unfore-
seen structural defects.
06.
OUR CLIENTS
HOME OF
STRUCTURAL INSURANCEHOME OF
STRUCTURAL INSURANCE
www.C-R-L.com

One of the many firms that C-R-L.com has recently started
working with is Aedis, one of the leading providers of build-
ing control services to both the public and private sectors in
the UK. Aedis provides services
to any project irrespective of size, type or location.
Our partnership means Aedis can now offer a package of
both building control services as well as a structural defects
warranty to all its clients.
C-R-L.com is currently working with a number of in dustry
professionals to offer similar packages to as wide a customer
base as possible.
07.
KEY CLIENT CASE STUDY
www.C-R-L.com

As you can see from this list of projects we have worked on recently, C-R-L.com can provide structural
defects insurance for a wide range of professionals in the construction industry.
From self builders to housing associations we can create the perfect structural defects insurance package
to suit their needs. Here are just a few of the larger construction companies and the projects we have
helped them with in the UK and Ireland:
PROPERTY DEVELOPER
Multi Developments
Abbey Developments
Russell Simpson Developments
Turnus Ltd
Carvill Group
M Girvan & Sons
Tiﬀen Developments
New Quay Developments
O&J Clarke
Fernheath Developments
BakerTilly
Talcar Developments
MCQ Developments
SITE LOCATION
Victoria Square, Belfast
Custom House Square, Belfast
Great Victoria Street, Belfast
St Anne's Square, Belfast
Castlereagh, Belfast
The Rose Garden, Derriaghy
Killycomaine, Portadown
Carrigart Crescent,Craigavon
Charles Baron Lodge, Lurgan
Throne View, Belfast
Parsons Court, Dublin
Windtown Park, Westmeath
Burnfoot, Co Donegal
RECENT PROJECTS
08.
www.C-R-L.com

MORTGAGE LENDERS
C-R-L.com is approved by over 40 mortgage lenders in the UK and Ireland.
These include:
UK AND NORTHERN IRELAND LENDERS REPUBLIC OF IRELAND LENDERS
Aldermore
Bank of Ireland
Bank of Scotland
The Coventry Building Society
Coutts & Co.
Cumberland Building Society
BM Savings (Birmingham Midshires)
Danske Bank
Eastern Credit
First Direct
Halifax
Handelsbanken
HSBC
Lloyds TSB
Metro Bank
NatWest
Nationwide Building Society
Precise Mortgages
Progressive Building Society
RBS
Santander
Scottish Widows Bank
Swansea Building Society
TMB
Ulster Bank
Barclays
Woolwich
Virgin Money
Bank of Ireland
ICS Building Society
National Irish Bank
KBC Bank
Permanent TSB
Ulster Bank
09.
www.C-R-L.com

6. HOW CAN I GUARANTEE C-R-L.com’s CREDENTIALS?
C-R-L.com is approved by over 30 recognised mortgage lenders in the UK
and Ireland. We are also approved by the Law Society.
7. HOW LONG WILL IT TAKE TO GET A QUOTE FOR MY STRUCTURAL
INSURANCE POLICY?
Our efficient team will aim to have your quote to you the same day as you
make your enquiry.
8. AFTER I HAVE ACCEPTED A QUOTE FROM C-R-L.com, HOW LONG WILL IT
TAKE TO GET A SURVEYOR ONTO MY SITE?
We will arrange a surveyor to be with you at your earliest possible convenience.
9. WHAT ARE THE ADVANTAGES OF BECOMING A C-R-L.com MEMBER?
The benefits of becoming a C-R-L.com member include heavily discounted
offers on insurance across multiple builds, accreditation from your suppli-
ers and clients in the submission of tenders for new business, and much,
much more.
FAQs
1. WHEN DOES MY 10-YEAR STRUCTURAL INSURANCE START?
Your structural defects insurance starts from the day of practical completion.
2. IS THERE A DEFECTS LIABILITY PERIOD?
There is no defects liability period with C-R-L.com’s structural insurance
policies.
3. IS BUILD PERIOD COVER AVAILABLE?
Yes. In the event of the developer becoming insolvent or bankrupt the
insurer will either refund the deposit paid by the policy holder or pay the
additional cost required to complete the residential property, this will be
decided on a case by case basis.
4. ARE C-R-L.com’s POLICIES BASED ON THE CONTRACT VALUE?
Typically, yes, our rates are the most competitive you will find on the
market and are based on the value of each individual contract.
5. WHEN IS MY INSURANCE CERTIFICATE ISSUED?
Your C-R-L.com insurance certificate will be issued upon satisfactory
completion of the build.
10.
www.C-R-L.com

T: 0800 772 3200 / +353 1 685 2043 (Dublin)
F: +44(0)20 7900 3996 E: info@C-R-L.com
www.C-R-L.com
Construction Register & CRL are trading names of CRL Management Limited. Registered in the United Kingdom under registration number 07563546.
CRL Management Ltd is an Appointed Representative of BCR Legal Group Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). 2014-10-04.WP
T: 0800 772 3200 / +353 1 685 2043 (Dublin) F: +44(0)20 7900 3996 info@C-R-L.com www.c-r-l.com

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