Absence of Easement
The Absence of Easement legal indemnity insurance policy provides cover when a legal right to use an access to a residential and/or commercial property based within England and Wales, 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.
Click here to download our Demands & Needs statement
Full Key Facts can be viewed by clicking here.
Key Features and Benefits
If someone establishes or attempts to establish a legal right to prevent use of the access and/or services, this policy provides cover for the following, up to your selected limit of indemnity *:
whichever is the lesser of,
- the reduction in the value of the property,
- the cost of obtaining the right to use the current access and/or services or creating new access and/or services plus any residual reduction in the value of the property
as well as
- damages and compensation
- other costs and expenses with our consent.
This policy does not cover vehicular access over common land or village greens*.
The policy automatically covers subsequent owners of the property and mortgage lenders, and remains in force from the day you issue it without any time limit.