IPID & Key Facts
To access the following documents for each policy type:
- Key Facts
- IPID
- Demands and Needs Statement
Please click on the policy type needed, and download the documents required
Absence of Easement (AE)
Covers the lack of express rights to use the roads and footpaths which provide access to the property.
Absent Landlord & Good Leasehold (AG)
Covers the situation where a landlord/freeholder of a residential property is absent or unresponsive and cannot respond to enquiries or confirm receipt of ground rent and where the freehold title to a property has not been registered or deduced at the Land Registry and the property is therefore subject to unknown rights, covenants and interests.
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.
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.
Build Over – Sewer Indemnity (SI)
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)
Covers 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.
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.
Contingent Buildings (CB)
Covers inadequate buildings insurance provisions in residential leasehold flats or maisonettes.
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).
Flat / Maisonette (MI)
Covers inability to enforce necessary repairs to parts of the building or to gain entry to protect the property.
Flying/Creeping 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.
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.
Forfeiture of Lease – Housing Act Repossession (FLH)
Covers the mortgage lender if the freeholder services a Section 8 notice under the Housing Act 1988 & then attempts to exercise a legal right to take possession of the Property without the borrower and/or mortgage lender having a right to relief from forfeiture.
Good Leasehold (GL)
Covers unknown rights, restrictive covenants and interests affecting the property with good leasehold title.
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.
Japanese Knotweed (JK)
Covers the situation where a residential property may be served with a notice under the Environmental Protection Act 1990, the Anti-Social Behaviour Crime and Police Act 2014 and/or the Infrastructure Act 2015 concerning the presence of Japanese Knotweed which may result in remediation works for the treatment and removal of the Knotweed.
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.
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.
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 buyer and 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 has been applied for but not received, and would disclose adverse entries if those searches were carried out at exchange of contracts.
Planning Permission & Building Regulations (BP)
Covers the enforcement of planning regulations AND the enforcement of building regulations relating to the construction, alteration, extension or change of use 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.
Registered Possessory Title of Part (PT)
Covers unknown rights, restrictive covenants and interests affecting part of the property registered with possessory title only.
Restrictive Covenant (RC)
Covers breaches of restrictive covenants, the details of which may be known or unknown, affecting a freehold title.
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.
Standard Conveyancing Searches – Lender Only (ASL)
Covers the mortgage lender in the absence of local, drainage, mining, chancel or environmental searches.
Standard Conveyancing Searches – Purchaser and Lender (AS)
Covers the buyer and the mortgage lender in the absence of local, drainage, mining, chancel or environmental searches.
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.
Top-Up (TU)
Necessary when additional financial cover is needed to supplement the limit of indemnity given by an existing GCS Instant Issue policy.
- Absence of Easement (AE)
- Absent Landlord & Good Leasehold (AG)
- Absent Landlord (AL)
- Adverse Rights (AR)
- Build Over – Sewer Indemnity (SI)
- Building Regulations (BR)
- Building Standards (BS)
- Chancel Liability (SC)
- Contingent Buildings (CB)
- Environmental Search – Failed (EF)
- Environmental Search – Validation (EV)
- Flat / Maisonette (MI)
- Flying/Creeping Freehold (FF)
- Forfeiture of Lease (FL)
- Forfeiture of Lease – Housing Act Repossession (FLH)
- Good Leasehold (GL)
- Insolvency Act (IA)
- Japanese Knotweed (JK)
- Lease Enlargement (LE)
- Lost Title Deeds (LD)
- Missing Particulars (MP)
- Missing Rentcharge Owner (MR)
- No Search – Environmental (EP)
- No Search – Mortgagee (SM)
- No Search – Purchase (SP)
- Planning Permission & Building Regulations (BP)
- Planning Permission (PP)
- Registered Possessory Title of Part (PT)
- Restrictive Covenant (RC)
- Search Delay (SD)
- Search Validation (SV)
- Standard Conveyancing Searches – Lender Only (ASL)
- Standard Conveyancing Searches – Purchaser and Lender (AS)
- Superior Lease (SL)
- Top-Up (TU)