Some examples of risks that can be covered by Legal Indemnity Insurance


Absent Landlord


Where a landlord is missing or insolvent.  Cover protects against problems such as requests for back-payment of rent and / or unknown breaches of leasehold covenants.

Access/Rights of Way Indemnity


Protection if your legal right of access to or from your property is disputed.

Adverse Possession


Protection is your ownership is disputed or your rights affected.

Breach of Planning Consents / Building Regulations


Protection if the local authority takes enforcement action because of a lack of appropriate consent for planning or building regulations.

Chancel Repair


Protection if the local parish requests contribution to repair the chancel area of the church.

Contaminated Land / Environmental


TBC

Conveyancing Fraud


Protection if you suffer a Loss as a result of somebody selling a property to you they had no rights to sell, or hijacking any transfer of monies carried out as part of the conveyancing process.

Flying/Creeping Freehold


Protection to ensure adequate rights for maintenance or access to your property which is above or below your neighbours.

Insolvency Act Indemnity


Protection for you as a successor or mortgagee if your property is put aside under the insolvency act.

Judicial Review Cover


Protection if your planning permission is Judicially reviewed. Cover would normally include loss in value and abortive costs if planning was quashed.

Lack of Search Indemnity


Replacement of searches such as Local Authority Land Charges, Water Service Company, Coal Authority, Chancel and/or Desktop Environmental.

Latent Defects


TBC

Mines and Minerals


Protection against financial loss if a third party exercises or attempts to exercise their right to mine or extract minerals from your land.

Missing Documents


Protection against unknown rights, covenants and/or reservations which may be contained within a document which is missing or illegible.

Portfolio Insurance


‘Good and Marketable’ Title Insurance and No Search Indemnity to reduce or replace due diligence helping provide additional security and speeding up the acquisition, disposal or re-finance of multiple asset portfolios.

Restrictive Covenant


Protection if a third party enforces or attempts to enforce a covenant restricting the use of your land.

Rights to Light


Protection against damages / compensation awarded as a result of an enforcement action from a third party. Standard cover will also protect against loss in value and abortive costs with some insurers offering delay cover.

Village Green/Commons Registration


Protection if your land is registered as a town or village green. Standard cover would include loss in value and abortive costs and delay costs can often be included.

Village Green/Commons Registration


Protection if your land is registered as a town or village green. Standard cover would include loss in value and abortive costs and delay costs can often be included.

Warranties & Indemnities


TBC