We offer a wide range of Indemnity Policies and have listed a short summary of each below:
Absence of Easement Insurance
Provides cover when a legal right to use an access to a residential and/or commercial property, and/or to use the service pipes, wires and cables connected to it cannot be established.
Absent Landlord Insurance
Provides cover when the landlord of a single private dwelling is missing, unresponsive or insolvent and you are unable to obtain clear ground rent receipts at the date of purchase.
Provides cover for residential and commercial properties in the event that the medieval parish church, for which the property to be insured may be accountable, demands contributions towards repair of the church chancel in respect of Chancel Repair Liability.
Contingent Buildings Insurance
Provides cover if you cannot obtain reinstatement of or repair to the property or the adjoining premises following damage or destruction as a result of the defect(s) in the lease.
Enforcement of Known or Unknown Rights of way and/or Easements
Provides cover where a property is (or maybe) subject to private rights of way or easements in the event that any other party attempts to enforce such easements over, through or under the property.
Enlargement of Lease Insurance
Provides cover where it can not be proven that an ownership conversion from leasehold to freehold is valid due to the absence of full particulars of the relevant lease in the event that any other party attempts to establish otherwise.
Flat/Maisonette Indemnity Insurance
Provides cover for loss arising from the insured being unable to undertake or enforce any repair or maintenance of the premises and obtain reimbursement or contributions toward such work from the owner because the lease is defective, the landlord cannot be traced, or the landlord has no obligation to take over the responsibilities of a management company that fails to perform its duties.
Flying and/or Creeping Freehold Insurance
Provides cover when part of a residential and/or commercial freehold property (not being a freehold flat or maisonette) extends over or under adjoining premises and the property owner is unable to enforce necessary repairs to the adjoining premises for the support and protection of his or her own property, including where the adjoining premises are uninsured or inadequately insured.
Forfeiture of Lease (Bankruptcy/Insolvency) Mortgagee Insurance
Provides cover for a mortgage lender in the event of a forfeiture of lease resulting from bankruptcy / insolvency of the lessee and the loss arising from this together with any loss caused by the exercise of legal rights of re-entry by the lessor in accordance with any determination cause in the lease.
The policy can be used with residential properties only and does not cover the buyer or owner of the property.
Forfeiture of Lease (Breach of Covenant) Mortgagee Insurance
Provides cover for a mortgage lender in the event of a forfeiture of lease resulting from the breach by the lessee of any covenant in the lease and the loss arising from this together with any loss caused by the exercise of legal rights of re-entry by the lessor in accordance with any determination clause in the lease.
Freehold Rent Charge Insurance
Provides cover where a property is (or may be) subject to one or more rent charges in respect of the following situations: a) the insured fails to make ground rent payments due to an absent rent charge owner; b) the insured’s interest in the property is adversely affected by a matter contained in a missing rent charge instrument; c) a legal right of re-entry is exercised by the rent charge owner consequent to the above.
Good Leasehold Title Insurance
Provides cover in respect of loss arising where a residential and/or commercial property is (or is likely to be) registered at the Land Registry with Good Leasehold Title only due to a superior title not being satisfactorily deduced, and any party attempts to establish any estate, right or interest adverse to this title by superiority.
Insolvency Act Insurance
Provides cover for a mortgagee or third party purchaser where a property has been given away or transferred at less than its true value, or when part of the purchase price, typically the deposit, has been provided by someone other than the buyer. If the person who made the “gift” becomes bankrupt in accordance with the Insolvency Act 1986., it is possible for the gift to be set aside or overturned and for the trustee-in-bankruptcy to claim an interest in the property.
The policy can also be used when property has been acquired by a surviving joint tenant.
Lost Title Deeds Insurance
Provides cover where some or all of the title deeds to a residential and/or commercial property have been lost, misplaced, stolen or destroyed and any other party attempts to establish any estate, right or interest adverse to the Insured’s title to the property.
Mineral Rights Insurance
Provides cover where a property is or may be subject to exceptions of mineral rights in the title deeds and any party attempts to exercise their rights of entry to obtain mineral substances or carry out other ancillary operations at the property.
Missing Information (Registered Title) Insurance
Provides cover in respect of matters referred to on the title of a property where the full particulars of which cannot be ascertained should any party attempt to establish any estate, right or interest adverse to the title of the insured.
Planning and/or Building Regulations Insurance
Provides cover where planning and/or building regulations approval has not been obtained in respect of the works carried out on a property, in the event of the local planning authority issuing the insured with an enforcement notice, planning contravention notice or breach of condition notice.
Registered Possessory Title Insurance
Provides cover where all or part of an occupied residential and/or commercial property is registered at the Land Registry with possessory title only. The majority of the land, including most of the building(s), must be held with full title.
Residential Contaminated Land Insurance
Provides cover in the event of notice that a remediation notice is being served against the property in accordance with the Environmental Protection Act 1990.
Restrictive Covenant Insurance
Provides cover where a freehold property, being used for residential and/or commercial purposes, is (or may be) affected by restrictive covenants in the event of any party attempting to enforce these covenants.
Right to Buy Insurance
Provides cover for a mortgage lender in the absence of a deed of postponement (in relation to a statutory charge against the property) where the property has been purchased at a discount from the local authority under Right to Buy legislation.
Search Insurance (Commercial)
Provides cover for a commercial property being adversely affected by any matter which would have been disclosed by a search where any (or all) of the property searches have: a) been requested but not received (search delay) ; b) been received but are out of date due to delays in the exchange (search validation); c) have not, and will not be requested.
Search Insurance (Residential)
Provides cover for a residential property being adversely affected by any matter which would have been disclosed by a search where any (or all) of the property searches have: a) been requested but not received (search delay) ; b) been received but are out of date due to delays in the exchange (search validation); c) have not, and will not be requested.
Unregistered Adverse Possession (Garden Land Only)
Provides cover in the absence of documentary evidence of title to all or part of the garden land of a property in the event of any party proving a superior title to such land.
How To Order
For more information, prices or to order any of our Indemnity Policies, please call us free on 0800 074 3771.
HomeInfo UK Limited is an Appointed Representative of Conveyancing Liability Solutions Limited who are authorised and regulated by the Financial Conduct Authority.
Page last updated: September 30, 2014.