Written by Mark Langshaw Reviewed by Lee Trett
2 June 2026
First Published
2 June 2026
Full rewrite to bring page up to date
If you are searching for "Compariqo Home Insurance”, it is highly likely you have crossed your wires or been misinformed about what they do. It is important to clarify right away: Compariqo does not sell standard residential home insurance. They will not insure your TV against a burglary, nor will they cover your carpets if a pipe bursts in your bathroom.
Instead, Compariqo is a highly specialised broker and provider in the UK construction and property development sector. Based in Poole and part of the wider Accquis group, they provide structural warranties, latent defects insurance, and contractor cover for property developers, self-builders, and construction firms.
Because they focus entirely on the construction phase of a property rather than day-to-day living, you will need to buy a standard home insurance policy elsewhere once your build is complete and you move in. You can get independent advice and a personalised quotes comparison for standard, comprehensive home insurance from one of our expert advisers below:
Get property insurance quotes and advice today!
You can use our expert advisers to compare insurance deals from Compariqo with products from other providers across the market.
They will round up personalised quotes from Compariqo and alternative providers and offer bespoke advice on which one to choose.
To get started, fill in our quick online form below and one of our expert property insurance advisers with be in touch today!
What type of insurance do they actually provide?
Compariqo exists to protect the physical integrity of a build and the financial security of the developers and contractors involved. Their core products include:
Structural Warranty (Latent Defects Insurance)
This is their flagship product, essential for new builds, commercial conversions, or major renovations.
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10 to 12 Year Cover: It protects the property owner for up to 12 years against major structural defects in design, workmanship, or materials that only become apparent after the build is finished.
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Mortgage Compliance: If you are building a house, almost all UK mortgage lenders will legally require a structural warranty (from an approved provider) before they will release mortgage funds to you or a future buyer.
Contractor's All Risks (CAR)
This protects builders and developers while the construction is actually taking place.
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Site Protection: It covers the physical works, building materials left on-site, and expensive plant machinery against risks like fire, theft, storm damage, or vandalism before the project is officially handed over.
Insurance Backed Guarantees (IBGs)
If a contractor provides a guarantee for their work (such as installing a new roof, spray foam insulation, or solar panels) but subsequently goes out of business, the IBG steps in. It honours the remaining term of that guarantee, giving homeowners ultimate peace of mind.
Professional Indemnity & Surety Bonds
They provide financial security for construction projects, ensuring that contractual obligations are met, and protecting architects and consultants against claims of professional negligence.
How Compariqo calculates premiums
Pricing complex construction risks is vastly different from quoting standard home insurance on a comparison site. Your premium through Compariqo is based on:
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Project Value & Scope: The total contract value of the build, the final rebuild cost, and the architectural complexity of the construction heavily dictate the base premium.
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Developer Experience: A seasoned developer with a strong track record of successful, claim-free builds will attract far better rates than a first-time self-builder.
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Capacity Choice: Compariqo explicitly states they offer a choice between "A-Rated" and "Unrated" insurance capacity. A-Rated cover (backed by massive, highly secure insurers) will cost more but easily satisfies strict mortgage lender requirements. Unrated cover might be cheaper, but carries a higher financial risk.
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Technical Audits: For structural warranties, the premium includes the cost of independent technical audits and site inspections carried out during the build to ensure high standards are being met.
Pros and cons
Here are the pros and cons of using Compariqo for your property development or self-build project:
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Niche Expertise: They are true specialists in construction, meaning they understand the jargon, the on-site risks, and exactly what high-street mortgage lenders demand.
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A-Rated Capacity: They have secured their own lines of capacity, allowing them to offer the highly secure A-rated cover that is universally trusted by the UK finance sector.
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All-in-One Solution: You can sort your structural warranty, site insurance, and surety bonds all in one place, vastly streamlining the paperwork for a complex build.
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Rapid Quoting: The construction insurance market is notoriously slow. Compariqo prides itself on using bespoke technology to deliver fast, same-day quotes to keep your project moving.
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Not Standard Home Insurance: Once your house is built and the keys are handed over, Compariqo's job is done. You must source standard buildings and contents cover elsewhere.
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Complex Market Decisions: The latent defects market is complex; if a developer opts for cheaper "Unrated" capacity to save money without understanding the implications, they may struggle to sell or mortgage the property later.
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B2B Focus: Their services and terminology are heavily geared toward professional property developers and contractors rather than the average everyday consumer.
Customer reviews
Within the property development, self-build, and contractor sectors, Compariqo holds a very strong reputation.
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Trustpilot: They currently hold an Excellent rating (typically scoring around 4.7 out of 5) on Trustpilot.
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Service Praise: Reviewers consistently single out individual account managers by name, praising their persistence in securing difficult latent defect policies and their ability to explain complex construction terms simply and clearly.
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Industry Standing: As part of the Accquis group (alongside brands like Checkmate), they are viewed as a highly reliable, tech-forward disruptor in the structural warranty market.
How to get a Compariqo quote
If you are a property developer, contractor, or a homeowner embarking on a major self-build, you can get a quote for structural warranties or site insurance through one of our advisers.
However, if your build is already finished and you simply need to insure the bricks, mortar, and your furniture against fire and theft, they aren’t the right provider for you.
At Money Helpdesk, our property insurance experts can help you secure the right cover for your finished home. If you are looking to arrange robust residential insurance, get in touch and we will present you with your best options.
No. Compariqo provides commercial insurance for the construction sector, such as Structural Warranties (Latent Defects), Contractor's All Risks, and Insurance Backed Guarantees. They do not sell standard buildings and contents insurance for day-to-day living.
A structural warranty is an insurance policy designed to protect against defects in new buildings, normally for a period of 10 to 12 years after completion. If a major structural flaw is found (like a cracking foundation), the policy covers the cost of repairing it.
While not strictly a legal requirement to build a house, almost all UK banks and building societies will refuse to provide a mortgage on a newly built or newly converted property unless it is covered by a structural warranty from a recognised provider.
If a tradesperson (like a roofer or double-glazing installer) gives you a 10-year written guarantee for their work, an IBG protects that guarantee. If the tradesperson goes out of business in year 4, the IBG steps in to honour the remaining 6 years of the guarantee if something goes wrong.
Compariqo acts as a specialist broker and provider. They use their expertise and technology to arrange cover, placing the actual financial risk with their dedicated lines of insurance capacity (offering both A-Rated and Unrated backing depending on your project's needs).