hi all
There wasn't such a product when we were looking a year or so ago, we ended up getting a full self-build policy from Hibernian/Aviva. We were in a slightly different situation as we were getting a contractor to build a shell and doing plumbing, electrical etc,. via our own contractors. The contractor had his insurance for his scope and our policy covered ours - before, during and after the shell build. In my opinion, for any build, this insurance is an absolute must-have. We would not have believed the amount of thievery and trespassing on sites had anyone told us beforehand, we came back once to our house at wall plate level to find a family of 6-7, kids included, walking around, up ladders, etc. (the site was fenced). We also lost a generator, roof felt, lead, scaffolding, cable to the light-fingered.
You may want to check with your solicitor as to the extent of your legal liabilities. That should scare you enough!
Also bear in mind that a) these policies normally have to be taken out before building work starts and b) at some point the builder will "hand over" the site, this will likely be when you're getting kitchen etc. delivered - these have a habit of going missing on the first night they are in an empty house.
SSE