About Social Warranties
Specialist brokers arranging structural warranties and latent defects insurance for social and affordable housing across England, Scotland, Wales and Northern Ireland.
- Instant response
- Insurer quotes usually within one working day of your proposal
- UK FCA Regulated Broker
- No broker fee to pay
- Rent, shared ownership and sale
Who we are
A warranty broker that focuses on affordable homes
Social Warranties works with housing associations and other registered providers, local authority housing companies and delivery vehicles, and the contractors and developers building for them. We place structural warranty cover with specialist warranty providers and underwriters across new build, acquisition and section 106 schemes.
Social housing brings requirements of its own - funder approval, homes passing from developer to landlord or between landlords, long-term stewardship and the needs of shared owners' lenders. The warranty has to sit comfortably with all of them, and that is what we focus on.
Social Warranties is part of Latent Defects, which arranges structural warranties across the UK. Both are trading names used by Finance Delta Ltd.
How we work
What you can expect from us
A broker, not an insurer
We arrange cover on your behalf with warranty providers and insurers. The warranty provider named in your quotation provides the warranty and issues the certificates, and the insurer named alongside it carries the risk.
Information, not advice
We work on a non-advised basis. We find the providers willing to cover your scheme and give you the information you need to choose between them, and the decision stays with you.
Clear costs
Every quotation shows the premium and the provider's inspection and administration fees separately. There is no broker fee to pay. We are paid by commission from the warranty provider, which is included in the premium.
Records that last
You receive our terms of business and a statement of your demands and needs before any cover is arranged. We keep certificate and policy records so landlords and owners can rely on them for years.
Part of Latent Defects
Social Warranties is one of a family of specialist brands run by Latent Defects, each focused on a particular kind of scheme. If your project fits one of these better, we will point you to the right team.
- Island Warranties - Guernsey, Jersey and the Isle of Man
- Newbuild Warranties - new build homes
- Large Warranties - large multi-unit and high-rise schemes
- Retrospective Warranties - cover after work has started
- Conversion Warranties - conversions and change of use
- Industrial Warranties - industrial and commercial units
- Data Centre Warranties - data centres and technical facilities
Regulatory information
Social 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 these 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.
Please read our terms of business, privacy policy and complaints procedure.
Talk to us about your scheme
Tell us what you are building and for whom, and we will come back with the providers likely to cover it and what they will need.
- Takes under a minute
- Instant reply by email with your reference
- Insurer quotes usually within one working day of your completed proposal
- Schemes anywhere in 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.
