Below are the suite of policies available online together with the associated documentation. If the policy you require is not listed below, we can usually provide a bespoke solution, so please contact us.
| Policy | ||
|---|---|---|
| Absence of Build Over Agreement Insurance (Sewer) | Description | IPID |
| This policy provides cover if you suffer a financial loss in complying with or in defence of a notice served by a statutory body where any building or structure on the property was built over, or within, 3 metres of an existing electricity or telecommunications cable or conduit, sewer or other drainage pipe or other service media (excluding gas) without the requisite consent. | ||
| Absence of Easement Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from the owner of the access way to your property, or land through which services connecting to and serving your property are routed, prevents or threatens to prevent your use of such access way and/or services by claiming you have inadequate legal rights to use them. | ||
| Absent Landlord Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss resulting from a landlord who is absent at the inception date of the policy, returning to enforce or attempting to enforce any terms of the lease i.e. restrictive covenants in relation to works carried out to the property, the assignment of the lease, payments of ground rent and service charges, and/or the underletting of the property. | ||
| Breach of Leasehold Covenant Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from the enforcement or threat of enforcement of a breach of covenants contained in your lease of your property in respect of alterations carried out at least 12 months prior to the start of the policy where there is no evidence that the consent of the landlord or management company had been obtained. | ||
| Chancel Liability Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from the enforcement, or threat of enforcement of a chancel repair liability that your title to the property is or may be subject to and which requires you to contribute towards the cost of repairing the chancel of the parish church. | ||
| Contaminated Land Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss resulting from being served with a remediation notice, or notice of intent to serve a remediation notice in relation to the property due to historic contamination of the land. | ||
| Contingent Buildings Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss following damage or destruction of the property or the building of which the property forms part and you are unable to reinstate, or require reinstatement of, the property or the buildings directly due to the provisions, covenants, arrangements and responsibilities for buildings insurance relating to the property and remainder of the building of which the property forms a part contained in the lease of the property being inadequate or unenforceable. | ||
| Flat/Maisonette Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss due to an inability to compel the landlord or tenants (of the building of which the insured property forms part) to undertake or contribute to the maintenance or repairs to the building, or the landlord prevents or attempts to prevent the use of common services because the lease does not contain appropriate or adequate covenants, obligations, rights or provisions relating to support, shelter and protection; maintenance and repair; access and services, or it is not possible to ascertain if the lease contains the same because the relevant pages are missing or the plans are uncoloured. | ||
| Flying and/or Creeping Freehold Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss where it is not possible to carry out repairs or maintenance or to obtain contributions towards the repairs or maintenance because part of the property extends over or under an adjoining building and the title to the property does not contain all necessary or adequate rights for support, shelter, protection and covenants, arrangements and access rights for the purposes of maintenance and repair. | ||
| Forfeiture of Lease (Housing Act 1988) (Mortgagee Only) | Description | IPID |
| The policy provides cover to a lender for any actual financial loss in relation to the mortgage resulting from a landlord in the lease to the property exercising or attempting to exercise their right to terminate the lease by virtue of Ground 8 of the Housing Act 1988 for non-payment of rent on the basis that the lease is deemed to be an assured tenancy pursuant to Schedule 1, Section 3A of the Housing Act 1988, i.e. the yearly rent payable under the lease is over £1,000, if the property is within Greater London, or over £250 if the property is located elsewhere and has not been paid for a period of 3 months or more. | ||
| Freehold Rent Charge | Description | IPID |
| The policy provides cover for any actual financial loss resulting from a rent charge owner whose identity was unknown to the insured at the start of the policy enforcing or attempting to enforce a freehold rent charge including the cost of arrears and future rent charge payments, the enforcement of any restrictive covenants associated with the rent charge and the legal right of re-entry as a consequence of such non-payment and/or breach of said covenants. | ||
| Good Leasehold Title Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss due to a third party enforcing or attempting to enforce an adverse interest or challenging your title to the property where the property is registered at the Land Registry with good leasehold title only | ||
| Insolvency Act Insurance | Description | IPID |
| This policy provides cover if you (or your lender, in the case of cover applying to your lender) suffer a financial loss arising from a third party seeking to rely upon the provisions of the Insolvency Act in relation to a deed of gift or transfer at undervalue that took place on or before the start of the policy. | ||
| Manorial Rights | Description | IPID |
| The policy provides cover for any actual financial loss resulting from any third party enforcing or attempting to enforce manorial rights and/or claiming or attempting to claim that permanent structures and/or services present at property at the start of the policy constitutes a trespass on or infringement of such rights. | ||
| Mineral Rights | Description | IPID |
| The policy provides cover for any actual financial loss resulting from any third party enforcing or attempting to enforce mineral rights and/or claiming or attempting to claim that permanent structures and/or services present at property at the start of the policy constitutes a trespass on or infringement of such rights. | ||
| Missing Information, Lost Title Deeds and Possessory Title Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from the enforcement, or threat of enforcement of unknown rights, easements, restrictive covenants or other matters which your title to the property is or may be subject to and are contained in a missing, lost or destroyed title deed; or if your title to the property is registered with possessory title and you suffer a financial loss due to a third party enforcing or threatening to enforce a better claim to your title. | ||
| Planning and/or Building Regulations Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from enforcement action or a threat of enforcement action being taken by a relevant authority due to the absence of, or breach of planning and/or building regulations for the construction of, or alterations to the insured property. | ||
| Restrictive Covenant Insurance | Description | IPID |
| This policy provides cover if you suffer a financial loss arising from the enforcement, or threat of enforcement of restrictive covenants which your title to the property is or may be subject to and have been breached at least 12 months prior to the start of the policy, whether full details of the restrictive covenants are known or not. | ||
| Search Insurance | Description | IPID |
| This policy covers you if you suffer a financial loss resulting from an adverse matter which would have been revealed by an up to date search carried out against the property had that search been received at the start of the policy. | ||