Latent Defects


Key description

  • Provides owners of new commercial or industrial properties with protection against damage caused by a defect in design, workmanship or materials not discovered before the cover commences.
  • Core cover includes:
    • Damage caused by structural defects and ingress of water
    • Remedial work to prevent threat of collapse
    • Costs of dismantling, moving, storing and re-erecting property costs
    • Professional fees
  • Cover can be provided up to 12 years from date of practical completion for the full reinstatement value of your property
  • The policy is freely assignable

Typical clients

Property owners, developers, financial institutions, landlords, tenants, leaseholders and contractors. Latent Defects product caters for all ranges of size from small/medium enterprises to global companies.

Selling points

  • Limited insurance market offering this product
  • Aviva offer a market leading product with over 25 years experience in this sector
  • Specialist, dedicated support team
  • Excellent service delivery

Service channels

Each of the risks submitted to us is individually underwritten.

Therefore it is important that our underwriters are provided with a minimum level of information to enable them to properly consider terms.

In order for us to provide a quotation, we require a completed proposal form.

Contact details:

David Townsend – Latent Defects and Construction Underwriting Manager
Tel: 0207 157 2476

Peter Hunt – Latent Defects Underwriter
E mail:
Tel: 0207 157 2898

Sarah Mears – Latent Defects Administration Support
E mail:
Tel: 0207 662 9780

Group e-mail box:

Calls to these numbers may be recorded and/or monitored.

Cross-sell products

Ask our underwriters about any of these products:

  • Contract Works
  • Property
  • Liability
  • Engineering
  • Bonds
  • Professional Indemnity

For more information about Target Market statements please visitlatent defects.


Key documents

  • To access key documents please log in.

All current documents

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We recognise the impact a claim can have on your customer’s business. We want to get them back to normal as quickly as possible.

Claims contacts and services

New claims

Rapid notification of claims.

  • Notify new liability claims by e-mail.
  • The sooner liability claims are notified, the sooner they can be investigated:
    • Witnesses will be easier to locate.
    • The incident will be fresh in minds.
    • Physical evidence is less likely to have been altered.
  • Offer injured parties the ability to report incidents to us before they go to a solicitor.
  • UK-based service.

Reported claims

  • Experienced and specialist claims experts and liability handlers.
  • We’e committed to providing excellent technical quality on each and every claim.
  • We offer advice and can work with your clients to manage their accident books.

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