Legal Indemnity Insurance policies for issue by solicitors and conveyancers

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Our Policies

Since some policies provide more cover than you might normally expect, we have collated the policies based on the circumstances under which you might wish to purchase cover. Please move your mouse pointer over the items below for a brief summary of the contents of each collection, and click the items for further information.

Access

  • Absence of Easement (AE)

    The Absence of Easement indemnity policy provides cover when a legal right to use an access to a residential and/or commercial property, and/or to use the service pipes, wires and cables connected to it cannot be established. Regular use of the access and/or services, without objection or consent, for at least 12 months must be confirmed by or on behalf of the owner.

  • Adverse Rights (AR)

    The Adverse Rights indemnity policy provides cover when the title deeds or Land Registry entries indicate that a property, being used for residential and/or commercial purposes, is subject to rights in favour of other people but those rights are neither visible nor known to have been exercised.

  • Flat / Maisonette Indemnity (MI)

    The Flat / Maisonette indemnity policy provides cover when the seller of a single private flat or maisonette has confirmed that there have not been any problems with repairs and maintenance or the payment for them but may be unable to enforce necessary repairs to other parts of the building or obtain appropriate maintenance contributions from other tenants.

  • Flying Freehold (FF)

    The Flying/Creeping Freehold indemnity policy provides cover when part of a residential and/or commercial freehold property (not being a freehold flat or maisonette) extends over or under adjoining premises and the property owner is unable to enforce necessary repairs to the adjoining premises for the support and protection of his or her own property, including where the adjoining premises are uninsured or inadequately insured.

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Building

  • Building Regulations (BR)

    The Building Regulations indemnity policy provides cover when there is a lack of evidence that building regulation consent has been obtained for the following types of work carried out to a single residential and/or commercial property: alterations, additions, extensions, conversions and construction that was completed at least 4 years prior to the commencement of cover.

  • Building Standards (BS)

    The Building Standards indemnity policy provides cover for the mortgage lender when there is a lack of evidence that a valid NHBC certificate, or similar warranty, or architect’s certificate was given on completion of a newly-built house or flat over which the mortgage lender intends to take a mortgage.

  • Planning Permission (PP)

    The Planning Permission indemnity policy provides cover when there is a lack of evidence that planning permission has been obtained or complied with or it is known that its terms or conditions were not complied with.

  • No Search - Environmental (EP)

    The No Search - Environmental policy provides cover when you are prepared to purchase a residential and/or commercial property without an environmental search being carried out.

  • Sewer Indemnity (SI)

    The Sewer indemnity policy provides cover where a property or part of a property, e.g. an extension or conservatory, has been erected over or within 3 metres of a sewer without a build-over agreement from the appropriate water authority. The property and any extension or addition must have been in existence for at least 3 years prior to the commencement of cover.

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Chancel

  • Searches: Chancel (SC)

    The No Search-Chancel indemnity policy provides cover on a purchase of a single residential and/or commercial property without a search or enquiries being carried out to check whether or not owners of the property may be liable to contribute to or pay for the cost of repair to a church chancel.

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Construction

  • Building Regulations (BR)

    The Building Regulations indemnity policy provides cover when there is a lack of evidence that building regulation consent has been obtained for the following types of work carried out to a single residential and/or commercial property: alterations, additions, extensions, conversions and construction that was completed at least 4 years prior to the commencement of cover.

  • Building Standards (BS)

    The Building Standards indemnity policy provides cover for the mortgage lender when there is a lack of evidence that a valid NHBC certificate, or similar warranty, or architect’s certificate was given on completion of a newly-built house or flat over which the mortgage lender intends to take a mortgage.

  • Planning Permission (PP)

    The Planning Permission indemnity policy provides cover when there is a lack of evidence that planning permission has been obtained or complied with or it is known that its terms or conditions were not complied with.

  • No Search - Environmental (EP)

    The No Search - Environmental policy provides cover when you are prepared to purchase a residential and/or commercial property without an environmental search being carried out.

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Covenants

  • Absent Landlord (AL)

    The Absent Landlord indemnity policy provides cover when the landlord of a single private dwelling is missing, unresponsive or insolvent and you are unable to obtain clear ground rent receipts at the date of purchase. The landlord or its successor may subsequently re-appear and make a claim against the property owner.

  • Forfeiture of Lease (FL)

    The Forfeiture of Lease indemnity policy provides cover for a mortgage lender when the landlord of a single private flat or maisonette exercises, or attempts to exercise, a legal right to forfeit the lease during the term of the mortgage advance granted at the policy’s commencement date.

  • Lease Enlargement (LE)

    The Lease Enlargement indemnity policy provides cover when a property, used for residential and/or commercial purposes, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged and it may have been incapable of enlargement and the freehold interest in the property may still belong to someone else or the property will continue to be subject to matters which affected the leasehold interest prior to enlargement, the nature of which may be unknown because full details of the lease are missing.

  • Lost Deeds (LD)

    The Lost Title Deeds indemnity policy provides cover when all or some of the title deeds to a residential and/or commercial property have been lost.

  • Missing Particulars (MP)

    The Missing Particulars indemnity policy provides cover when deeds or documents to a single residential and/or commercial property are mentioned in the Land Registry entries but have not been supplied to the Land Registry and may contain unknown or unclarified matters adversely affecting the property.

  • Missing Rentcharge Owner (MR)

    The Missing Rentcharge Owner indemnity policy provides cover when, in relation to residential and/or commercial premises, the rentcharge owner is missing and you are unable to obtain clear rentcharge receipts at the date of purchase. The rentcharge owner may subsequently reappear and make a claim against the property owner.

  • Restrictive Covenant (RC)

    The Restrictive Covenant indemnity policy provides cover when a freehold property, being used for residential and/or commercial purposes, is subject to the burden of a restrictive covenant which has been breached for at least 12 months and you are not aware that any complaint has been made at any time.

  • Superior Lease (SL)

    The Superior Lease indemnity policy provides cover when a single residential property is held by an under lease, and there is no firm evidence that rent is being paid under the superior lease, the superior lease is missing, a superior landlord is missing or the landlord is missing and may not be paying rent.

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Deposits

  • Deposit Guarantee (DG)

    The Deposit Guarantee indemnity policy provides cover when a buyer is not able to raise the deposit that is required to be paid at exchange of contracts for the purchase of a residential property.

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Documents

  • Adverse Rights (AR)

    The Adverse Rights indemnity policy provides cover when the title deeds or Land Registry entries indicate that a property, being used for residential and/or commercial purposes, is subject to rights in favour of other people but those rights are neither visible nor known to have been exercised.

  • Missing Particulars (MP)

    The Missing Particulars indemnity policy provides cover when deeds or documents to a single residential and/or commercial property are mentioned in the Land Registry entries but have not been supplied to the Land Registry and may contain unknown or unclarified matters adversely affecting the property.

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Easements

  • Absence of Easement (AE)

    The Absence of Easement indemnity policy provides cover when a legal right to use an access to a residential and/or commercial property, and/or to use the service pipes, wires and cables connected to it cannot be established. Regular use of the access and/or services, without objection or consent, for at least 12 months must be confirmed by or on behalf of the owner.

  • Adverse Rights (AR)

    The Adverse Rights indemnity policy provides cover when the title deeds or Land Registry entries indicate that a property, being used for residential and/or commercial purposes, is subject to rights in favour of other people but those rights are neither visible nor known to have been exercised.

  • Flat / Maisonette Indemnity (MI)

    The Flat / Maisonette indemnity policy provides cover when the seller of a single private flat or maisonette has confirmed that there have not been any problems with repairs and maintenance or the payment for them but may be unable to enforce necessary repairs to other parts of the building or obtain appropriate maintenance contributions from other tenants.

  • Flying Freehold (FF)

    The Flying/Creeping Freehold indemnity policy provides cover when part of a residential and/or commercial freehold property (not being a freehold flat or maisonette) extends over or under adjoining premises and the property owner is unable to enforce necessary repairs to the adjoining premises for the support and protection of his or her own property, including where the adjoining premises are uninsured or inadequately insured.

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Environmental

  • Environmental Search - Failed (EF)

    The Environmental Search - Failed policy provides cover when an environmental search against the property which you propose to purchase discloses a risk of contamination which cannot be dismissed without further enquiries. The policy can be used for single residential and/or commercial properties.

  • Environmental Search - Validation (EV)

    The Environmental Search Validation policy provides cover when you are prepared to purchase a residential and/or commercial property relying on the result of an environmental search which was obtained up to 12 months before completion of the purchase.

  • No Search - Environmental (EP)

    The No Search - Environmental policy provides cover when you are prepared to purchase a residential and/or commercial property without an environmental search being carried out.

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Gifts

  • Insolvency Act (IA)

    The Insolvency Act indemnity policy provides cover when a dwelling-house or flat has been given away or transferred at less than its true value, or when part of the purchase price, typically the deposit, has been provided by someone other than the buyer. If the person who made the “gift” becomes bankrupt, it is possible for the gift to be set aside or overturned and for the trustee-in-bankruptcy to claim an interest in the property.

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Insolvency

  • Insolvency Act (IA)

    The Insolvency Act indemnity policy provides cover when a dwelling-house or flat has been given away or transferred at less than its true value, or when part of the purchase price, typically the deposit, has been provided by someone other than the buyer. If the person who made the “gift” becomes bankrupt, it is possible for the gift to be set aside or overturned and for the trustee-in-bankruptcy to claim an interest in the property.

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Leases

  • Absent Landlord (AL)

    The Absent Landlord indemnity policy provides cover when the landlord of a single private dwelling is missing, unresponsive or insolvent and you are unable to obtain clear ground rent receipts at the date of purchase. The landlord or its successor may subsequently re-appear and make a claim against the property owner.

  • Contingent Buildings (CB)

    The Contingent Buildings Insurance indemnity policy provides cover when any part of the building of which the flat forms part is damaged by a type of event against which the flat or the building was insured at the policy’s commencement date.

  • Flat / Maisonette Indemnity (MI)

    The Flat / Maisonette indemnity policy provides cover when the seller of a single private flat or maisonette has confirmed that there have not been any problems with repairs and maintenance or the payment for them but may be unable to enforce necessary repairs to other parts of the building or obtain appropriate maintenance contributions from other tenants.

  • Forfeiture of Lease (FL)

    The Forfeiture of Lease indemnity policy provides cover for a mortgage lender when the landlord of a single private flat or maisonette exercises, or attempts to exercise, a legal right to forfeit the lease during the term of the mortgage advance granted at the policy’s commencement date.

  • Lease Enlargement (LE)

    The Lease Enlargement indemnity policy provides cover when a property, used for residential and/or commercial purposes, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged and it may have been incapable of enlargement and the freehold interest in the property may still belong to someone else or the property will continue to be subject to matters which affected the leasehold interest prior to enlargement, the nature of which may be unknown because full details of the lease are missing.

  • Superior Lease (SL)

    The Superior Lease indemnity policy provides cover when a single residential property is held by an under lease, and there is no firm evidence that rent is being paid under the superior lease, the superior lease is missing, a superior landlord is missing or the landlord is missing and may not be paying rent.

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Planning

  • Building Regulations (BR)

    The Building Regulations indemnity policy provides cover when there is a lack of evidence that building regulation consent has been obtained for the following types of work carried out to a single residential and/or commercial property: alterations, additions, extensions, conversions and construction that was completed at least 4 years prior to the commencement of cover.

  • Planning Permission (PP)

    The Planning Permission indemnity policy provides cover when there is a lack of evidence that planning permission has been obtained or complied with or it is known that its terms or conditions were not complied with.

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Searches

  • Searches Combined (AS)

    The Standard Conveyancing Searches policy provides cover for when you are prepared to purchase a single residential and/or commercial property based within England and Wales, without the following formal searches in respect of: local land charges, information held by the Local Authority, mining or water or sewerage services to the property, environmental and chancel.

  • Searches: Chancel (SC)

    The No Search-Chancel indemnity policy provides cover on a purchase of a single residential and/or commercial property without a search or enquiries being carried out to check whether or not owners of the property may be liable to contribute to or pay for the cost of repair to a church chancel.

  • Environmental Search - Failed (EF)

    The Environmental Search - Failed policy provides cover when an environmental search against the property which you propose to purchase discloses a risk of contamination which cannot be dismissed without further enquiries. The policy can be used for single residential and/or commercial properties.

  • Environmental Search - Validation (EV)

    The Environmental Search Validation policy provides cover when you are prepared to purchase a residential and/or commercial property relying on the result of an environmental search which was obtained up to 12 months before completion of the purchase.

  • No Search - Environmental (EP)

    The No Search - Environmental policy provides cover when you are prepared to purchase a residential and/or commercial property without an environmental search being carried out.

  • No Search - Mortgagee (SM)

    The No Search - Mortgagee indemnity policy provides cover for the mortgage lender when they are prepared to lend against a single residential and/or commercial property which the property owner already owns, without one or more formal searches in respect of: local land charges, information held by the Local Authority, mining or water or sewerage services to the property.

  • No Search - Purchase (SP)

    The No Search Purchase indemnity policy provides cover when you are prepared to purchase a single residential and/or commercial property without one or more formal searches in respect of: local land charges, information held by the Local Authority, mining or water or sewerage services to the property.

  • Search Delay (SD)

    The Search Delay indemnity policy provides cover when you have applied for one or more formal searches in respect of: local land charges, information held by the Local Authority, mining or water or sewerage services to the property.

  • Search Validation (SV)

    The Search Validation indemnity policy provides cover when you are prepared to rely on one or more formal searches in respect of: local land charges, information held by the Local Authority, mining or water or sewerage services to the property.

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Services

  • Absence of Easement (AE)

    The Absence of Easement indemnity policy provides cover when a legal right to use an access to a residential and/or commercial property, and/or to use the service pipes, wires and cables connected to it cannot be established. Regular use of the access and/or services, without objection or consent, for at least 12 months must be confirmed by or on behalf of the owner.

  • Adverse Rights (AR)

    The Adverse Rights indemnity policy provides cover when the title deeds or Land Registry entries indicate that a property, being used for residential and/or commercial purposes, is subject to rights in favour of other people but those rights are neither visible nor known to have been exercised.

  • Flat / Maisonette Indemnity (MI)

    The Flat / Maisonette indemnity policy provides cover when the seller of a single private flat or maisonette has confirmed that there have not been any problems with repairs and maintenance or the payment for them but may be unable to enforce necessary repairs to other parts of the building or obtain appropriate maintenance contributions from other tenants.

  • Flying Freehold (FF)

    The Flying/Creeping Freehold indemnity policy provides cover when part of a residential and/or commercial freehold property (not being a freehold flat or maisonette) extends over or under adjoining premises and the property owner is unable to enforce necessary repairs to the adjoining premises for the support and protection of his or her own property, including where the adjoining premises are uninsured or inadequately insured.

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Title

  • Good Leasehold (GL)

    The Good Leasehold Title indemnity policy provides cover when a residential and/or commercial property is registered at the Land Registry with good leasehold title only or, if the property is not yet registered, it is anticipated that the title to the property will be registered as good leasehold only on first registration.

  • Lease Enlargement (LE)

    The Lease Enlargement indemnity policy provides cover when a property, used for residential and/or commercial purposes, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged and it may have been incapable of enlargement and the freehold interest in the property may still belong to someone else or the property will continue to be subject to matters which affected the leasehold interest prior to enlargement, the nature of which may be unknown because full details of the lease are missing.

  • Lost Deeds (LD)

    The Lost Title Deeds indemnity policy provides cover when all or some of the title deeds to a residential and/or commercial property have been lost.

  • Missing Particulars (MP)

    The Missing Particulars indemnity policy provides cover when deeds or documents to a single residential and/or commercial property are mentioned in the Land Registry entries but have not been supplied to the Land Registry and may contain unknown or unclarified matters adversely affecting the property.

  • Missing Rentcharge Owner (MR)

    The Missing Rentcharge Owner indemnity policy provides cover when, in relation to residential and/or commercial premises, the rentcharge owner is missing and you are unable to obtain clear rentcharge receipts at the date of purchase. The rentcharge owner may subsequently reappear and make a claim against the property owner.

  • Possessory Title (PT)

    The Registered Possessory Title policy provides cover when part of an occupied residential and/or commercial property is registered at the Land Registry with possessory title only. The majority of the land, including most of the building(s), must be held with full title.

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