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Mason Owen

Introduction

MOFS are specialists in providing Legal Indemnity or Defective Title Insurance. We have a team who are able to provide advice and assistance in arranging policies for law firms and clients alike. We are able to accept quotation requests over the telephone, by post, fax, email or alternatively quotations can be provided almost instantly by using our Online Quotation System.

We can offer conventional insurance solutions to the more common defective title risks such as adverse possession, restrictive covenants, missing documents and lack of easements. Quotation forms for conventional risks can be obtained by using the links to the online quotation system or by downloading and submitting a form to MOFS, which are available from the “Obtaining a Quotation from the Market” section below. Some more unusual risks where cover may also be available may include, but are not restricted to the following:-

• Judicial Review Cover
• Village Green/Commons Registration
• Rights to Light
• Search Indemnity
• Chancel Repair
• Adverse Possession
• Absentee Landlord
• Breach of Trust
• Flying/Creeping Freehold
• Deed of Postponement
• Forfeiture of Headlease or Lease
• Improvement Grant Liability
• Insolvency Act
• Lack of Building Consent, Planning Permission and/or Building Regulations
• Lost Title Deeds or Documents
• Missing Beneficiary Indemnity

MOFS can approach a range of insurers, all of which will be disclosed to you when a quotation is provided. We can obtain quotations from a range of insurers that will include First Title, Aviva, Zurich and ISIS, though other markets are available to us. This ensures that our client obtains a competitive quotation from the markets approached.

In order to speed up the quotation process, we are able to provide you with some short quotation forms that you can download from the lists below. If you complete the form and return it to us with any supporting documentation that may be required either by email to mail@mofs.co.uk or fax to 0151 236 9844, we will be able to respond to your quotation in the shortest possible time. The quotation process, from receipt of all necessary information normally takes between 24 and 48 hours to complete.

Obtaining a Quotation from the Market

If you would like MOFS to obtain a quotation from the market, please select and download the appropriate form from the list below and submit it directly to MOFS by e-mail, post or fax along with any supporting documentation that may be required.

Development or Change of Use
For many risks under £5 million Gross Developed Value you can obtain a policy online. See Below for details, otherwise select a quotation here.

Continued Use
For many risks under £15 million in value a policy can be obtained online

For specialist risks such as Rights to Light and Judicial Review and utilising title indemnity insurance for other insurance based due diligence solutions
Click Here for further information on how to obtain a quotation.

Online Title Indemnity Quotations

MOFS can also offer an online quotations, which can provide added benefits to conventional market quotations. The summary of benefits are shown below:-

Residential Policies

• All residential policies are 20% cheaper online
• Multiple risks can be discounted by up to 25%
• Available 24 hours a day, 7 days a week
• No obligation quote within 10 seconds
• Quotations are available for risks up to £2,000,000
• Free 200% inflation cover
• More than 40 risks can be quoted online

Commercial Policies

• Continued use up to £15,000,000
• Developments up to £5,000,000
• All continued use policies up to £2,000,000 in value include Free Inflation Cover

MOFS act as agents of First Title Insurance Plc in bringing the quotation system to you and the system will provide quotations and policies that you can print yourself when you bind cover. The quotations and policies will however be limited to products underwritten by First Title Insurance Plc.

Any commission that MOFS receive for arranging a Policy will be disclosed to a client upon request in relation to a policy that is either to be quoted or bound on the system.

All policies that are arranged by MOFS are done so subject to the MOFS Standard Terms of Business. When using the online system, MOFS will be acting as an agent to First Title Insurance plc to provide products solely underwritten by First Title Insurance plc, but where MOFS provide you with a conventional quotation from the general insurance market we will always disclose our agency status to you. To proceed to the online quotation system please click here.