Legal Indemnity Insurance for Residential & Commercial Properties

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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)

    Covers the lack of express rights to use the roads and footpaths which provide access to the property and/or the service pipes, wires and cables.

  • Adverse Rights (AR)

    Covers the exercise by third parties of rights over the property which are not apparent and have not been exercised during the current owner’s occupation.

  • Flat / Maisonette (MI)

    Covers inability to enforce necessary repairs to parts of the building or to gain entry to protect the property.

  • Flying Freehold (FF)

    Covers the inability to gain access to adjoining premises over or under which the property extends to enforce repairs necessary for the support and protection of the property.

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Building

  • Build Over - Sewer Indemnity (SI)

    Covers a property or part of a property which has been erected over or within 3 metres of a sewer without a build-over agreement from the appropriate water authority.

  • Building Regulations (BR)

    Covers the enforcement of building regulations relating to the construction, alteration, extension or conversion of the property.

  • 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)

    Covers the enforcement of planning regulations relating to the construction, alteration, extension or change of use of the property.

  • No Search - Environmental (EP)

    Covers the enforcement of contaminated land regulations when an environmental search on the property has not been carried out.

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Chancel

  • Chancel Liability (SC)

    Covers the liability to pay for chancel repair when a full search of the Record of Ascertainments has not been carried out.

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Construction

  • Building Regulations (BR)

    Covers the enforcement of building regulations relating to the construction, alteration, extension or conversion of the property.

  • 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)

    Covers the enforcement of planning regulations relating to the construction, alteration, extension or change of use of the property.

  • No Search - Environmental (EP)

    Covers the enforcement of contaminated land regulations when an environmental search on the property has not been carried out.

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Covenants

  • Absent Landlord (AL)

    Covers non-payment of ground rent where the landlord’s identity and whereabouts are unknown and covers unknown breaches of leasehold covenants and inability to comply with pre-conditions to assignment.

  • 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 Title Deeds (LD)

    Covers unknown rights, restrictive covenants and interests contained in the deeds which have been lost.

  • Missing Particulars (MP)

    Covers unknown or unclarified matters including restrictive covenants adversely affecting the property, referred to in the title registers of the property as being contained in deeds or documents which have not been supplied to the Land Registry.

  • Missing Rentcharge (MR)

    Covers past and future rentcharge payments and unknown matters adversely affecting the title to the property contained within a missing rentcharge instrument.

  • Restrictive Covenant (RC)

    Covers both known and unknown restrictive covenants which may or may not have been breached.

  • Superior Lease (SL)

    Covers the cost of obtaining relief against re-entry or applying for a vesting order in respect of an underlease due to forfeiture of any superior lease.

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Deposits

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    Documents

    • Adverse Rights (AR)

      Covers the exercise by third parties of rights over the property which are not apparent and have not been exercised during the current owner’s occupation.

    • Missing Particulars (MP)

      Covers unknown or unclarified matters including restrictive covenants adversely affecting the property, referred to in the title registers of the property as being contained in deeds or documents which have not been supplied to the Land Registry.

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    Easements

    • Absence of easement (AE)

      Covers the lack of express rights to use the roads and footpaths which provide access to the property and/or the service pipes, wires and cables.

    • Adverse Rights (AR)

      Covers the exercise by third parties of rights over the property which are not apparent and have not been exercised during the current owner’s occupation.

    • Flat / Maisonette (MI)

      Covers inability to enforce necessary repairs to parts of the building or to gain entry to protect the property.

    • Flying Freehold (FF)

      Covers the inability to gain access to adjoining premises over or under which the property extends to enforce repairs necessary for the support and protection of the property.

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    Environmental

    • Environmental Search - Failed (EF)

      Covers the enforcement of contaminated land regulations when the result of an environmental search on the property indicates ‘FAILED’ or ‘FURTHER ACTION’.

    • 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)

      Covers the enforcement of contaminated land regulations when an environmental search on the property has not been carried out.

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    Gifts

    • Insolvency Act (IA)

      Covers mortgage lenders and future owners of the property if the person making the gift was insolvent and is declared bankrupt.

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    Insolvency

    • Insolvency Act (IA)

      Covers mortgage lenders and future owners of the property if the person making the gift was insolvent and is declared bankrupt.

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    Leases

    • Absent Landlord (AL)

      Covers non-payment of ground rent where the landlord’s identity and whereabouts are unknown and covers unknown breaches of leasehold covenants and inability to comply with pre-conditions to assignment.

    • Contingent Buildings (CB)

      Covers inadequate buildings insurance provisions in residential leasehold flats or maisonettes.

    • Flat / Maisonette (MI)

      Covers inability to enforce necessary repairs to parts of the building or to gain entry to protect the property.

    • 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)

      Covers the cost of obtaining relief against re-entry or applying for a vesting order in respect of an underlease due to forfeiture of any superior lease.

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    Planning

    • Building Regulations (BR)

      Covers the enforcement of building regulations relating to the construction, alteration, extension or conversion of the property.

    • Planning Permission (PP)

      Covers the enforcement of planning regulations relating to the construction, alteration, extension or change of use of the property.

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    Searches

    • Chancel Liability (SC)

      Covers the liability to pay for chancel repair when a full search of the Record of Ascertainments has not been carried out.

    • Searches Combined (AS)

      The Searches Combined 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.

    • Environmental Search - Failed (EF)

      Covers the enforcement of contaminated land regulations when the result of an environmental search on the property indicates ‘FAILED’ or ‘FURTHER ACTION’.

    • 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)

      Covers the enforcement of contaminated land regulations when an environmental search on the property has not been carried out.

    • No Search - Mortgagee (SM)

      Covers the mortgage-lender when a local, drainage or mining search would disclose adverse entries if those searches were carried out on completion.

    • No Search - Purchase (SP)

      Covers the buyer and the mortgage lender when a local, drainage or mining search would disclose adverse entries if those searches were carried out on completion.

    • Search Delay (SD)

      Covers the buyer and the mortgage lender when a local, drainage or mining search has been applied for but not received, and would disclose adverse entries if those searches were carried out at exchange of contracts.

    • Search Validation (SV)

      Covers the buyer and the mortgage lender when a local, drainage or mining search would disclose different adverse entries to those disclosed by recent existing searches if those searches were repeated on completion.

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    Services

    • Absence of easement (AE)

      Covers the lack of express rights to use the roads and footpaths which provide access to the property and/or the service pipes, wires and cables.

    • Adverse Rights (AR)

      Covers the exercise by third parties of rights over the property which are not apparent and have not been exercised during the current owner’s occupation.

    • Flat / Maisonette (MI)

      Covers inability to enforce necessary repairs to parts of the building or to gain entry to protect the property.

    • Flying Freehold (FF)

      Covers the inability to gain access to adjoining premises over or under which the property extends to enforce repairs necessary for the support and protection of the property.

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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 Title Deeds (LD)

      Covers unknown rights, restrictive covenants and interests contained in the deeds which have been lost.

    • Missing Particulars (MP)

      Covers unknown or unclarified matters including restrictive covenants adversely affecting the property, referred to in the title registers of the property as being contained in deeds or documents which have not been supplied to the Land Registry.

    • Missing Rentcharge (MR)

      Covers past and future rentcharge payments and unknown matters adversely affecting the title to the property contained within a missing rentcharge instrument.

    • Registered Possessory Title (PT)

      Covers unknown rights, restrictive covenants and interests affecting part of the property registered with possessory title only.

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