Road & Sewer Adoption (AD)

This policy is also known as: ‘Sewer Adoption’ or ‘Road Adoption’

This policy provides cover during the indemnity period in the event of the local highway authority and/or the water/sewerage company demanding from the property owner in respect of the property a contribution towards the costs of adopting the roadway serving the property and/or the sewers because a S38 Agreement and/or a S104 Agreement has not been entered into or it has but the developer has not fully complied with its obligations under the S38 or S104 Agreement.

For full terms, please see the Policy.

This policy is available in the following variations, each providing slightly different cover based upon your needs.

Click one of the buttons below for more information, documents & Quick Quotes:

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Road & Sewer Adoption - Capped 15 Years

Covers the buyer if the local highway authority and/or water/sewerage company seek to obtain a contribution towards the costs of adopting the roadway and/or sewers serving the property due to an absence of a S38 Agreement and/or S104 Agreement or due to a developer failing to comply with its obligations under a S38 and/or S104 Agreement.

• Premiums from £80.00 incl. IPT
• ‘Instant’ cover for residential properties
• Up to £3m limit of indemnity
• Comprehensive cover including automatic 5% inflation clause per annum for 10 years
• Electronic policies
• Monthly statement and numerous payment options
• LOI can be increased at any point using our top-up policy
• BACS and cheques accepted

Get a Quick Quote Download IPID (PDF) Download Specimen Policy Download Demands and Needs Statement

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Road & Sewer Adoption - In Perpetuity

Covers the buyer if the local highway authority and/or water/sewerage company seek to obtain a contribution towards the costs of adopting the roadway and/or sewers serving the property due to an absence of a S38 Agreement and/or S104 Agreement or due to a developer failing to comply with its obligations under a S38 and/or S104 Agreement.

• Premiums from £118.00 incl. IPT
• ‘Instant’ cover for residential properties
• This policy will run in perpetuity
• Up to £3m limit of indemnity
• Comprehensive cover including automatic 5% inflation clause per annum for 10 years
• Electronic policies
• Monthly statement and numerous payment options
• LOI can be increased at any point using our top-up policy
• BACS and cheques accepted

Get a Quick Quote Download IPID (PDF) Download Specimen Policy Download Demands and Needs Statement

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Road & Sewer Adoption - Lender Only

Covers the mortgage lender for loss suffered if the local highway authority and/or water/sewerage company seek to obtain a contribution towards the costs of adopting the roadway and/or sewers serving the property due to an absence of a S38 Agreement and/or S104 Agreement or due to a developer failing to comply with its obligations under a S38 and/or S104 Agreement.

• Premiums from £57.00 incl. IPT
• ‘Instant’ cover for residential properties
• This policy will run in perpetuity
• Up to £3m limit of indemnity
• Comprehensive cover including automatic 5% inflation clause per annum for 10 years
• Electronic policies
• Monthly statement and numerous payment options
• LOI can be increased at any point using our top-up policy
• BACS and cheques accepted

Get a Quick Quote Download IPID (PDF) Download Specimen Policy Download Demands and Needs Statement

If you are unable to find the cover you are looking for, or if you simply wish for us to provide cover directly from our office, please contact us for a ‘Bespoke or Direct’ quote.