The Planning Permission legal indemnity insurance 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) for the following works carried out to a residential and/or commercial property based within England and Wales:
- the construction of or conversion to a house or flat at least 4 years prior to the policy’s commencement date
- any change of use implemented at least 4 years before the policy’s commencement date
- alterations, additions or extensions carried out to the property at least 12 months before the policy’s commencement date where the property is not in a conservation area
- alterations, additions or extensions carried out to the property at least 4 years before the policy’s commencement date where the property is in a conservation area
Click here to download our Demands & Needs statement
Full Key Facts can be viewed by clicking here.
Note: Where a Building Regulations policy ia also being issued for the same property, the Building Regulations policy may be issued at nil premium provided the Planning Permission policy number is clearly written on the copy Building Regulations policy that you send to us. When using GCS Online, the discount will automatically be deducted for you.
Key Features and Benefits
If the local planning authority serves an enforcement notice or an injunction on the property owner in respect of the works described above, the policy provides cover for the following, up to your selected limit of indemnity *:
- the cost of altering, demolishing or reinstating the property required by an enforcement notice or injunction under the planning controls
- the reduction in the value of the property
- costs and expenses with our consent.
The policy does not cover:
- listed buildings* or the lack of conservation area consent*
- failure to comply with building regulations (see Building Regulations indemnity)
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.