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.

  • Adverse Rights (AR)

    Covers the exercise by third parties of access 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)

    The Sewer Indemnity policy provides cover when your property or part of your property 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 costs of repair to a chancel 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)

    Covers the mortgage lender when the landlord of a single private flat or maisonette based within England and Wales 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)

    Covers a property when the property used for residential and/or commercial purposes based within England and Wales, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged; and...

  • Lost Title Deeds (LD)

    Covers breaches of unknown restrictive covenants contained in title deeds which have been lost.

  • Missing Particulars (MP)

    Covers breaches of unknown restrictive covenants 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 Owner (MR)

    Covers unknown breaches of restrictive rentcharge covenants when the rentcharge owner is missing.

  • Restrictive Covenant (RC)

    Covers breaches of restrictive covenants, the details of which may be known or unknown, affecting a freehold title.

  • 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 access rights over the property which are not apparent and have not been exercised during the current owner’s occupation.

    • Missing Particulars (MP)

      Covers breaches of unknown restrictive covenants 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.

    • Adverse Rights (AR)

      Covers the exercise by third parties of access 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)

      Covers the buyer and mortgage lender in the event of enforcement of contaminated land regulations when an environmental search or survey has been carried out within the last 12 months which does not disclose any adverse matters affecting the property or land within 250 metres of the property (e.g. a Passed Certificate).

    • 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 is subsequently declared bankrupt and the transfer set aside.

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    Insolvency

    • Insolvency Act (IA)

      Covers mortgage lenders and future owners of the property if the person making the gift is subsequently declared bankrupt and the transfer set aside.

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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)

      Covers the mortgage lender when the landlord of a single private flat or maisonette based within England and Wales 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)

      Covers a property when the property used for residential and/or commercial purposes based within England and Wales, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged; and...

    • 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 costs of repair to a chancel when a full search of the Record of Ascertainments has not been carried out.

    • Searches: Combined (AS)

    • 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)

      Covers the buyer and mortgage lender in the event of enforcement of contaminated land regulations when an environmental search or survey has been carried out within the last 12 months which does not disclose any adverse matters affecting the property or land within 250 metres of the property (e.g. a Passed Certificate).

    • 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.

    • Adverse Rights (AR)

      Covers the exercise by third parties of access 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)

      Covers unknown rights, restrictive covenants and interests affecting the property with good leasehold title.

    • Lease Enlargement (LE)

      Covers a property when the property used for residential and/or commercial purposes based within England and Wales, was leasehold and the lease, full particulars of which are missing, is said by deed to have been enlarged; and...

    • Lost Title Deeds (LD)

      Covers breaches of unknown restrictive covenants contained in title deeds which have been lost.

    • Missing Particulars (MP)

      Covers breaches of unknown restrictive covenants 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 Owner (MR)

      Covers unknown breaches of restrictive rentcharge covenants when the rentcharge owner is missing.

    • 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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