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 Insurance for Legal Indemnity Risks.

Legal indemnity insurance provides cover to property purchasers or secured lenders against the risks associated with property title or covenants.

The policies are typically single premium, long-term and non-renewable contracts that provide protection against the financial consequences of disputes regarding the use of or ownership of property.

Solicitors often source these policies themselves but may only approach one provider which may impact on the competitiveness of the premium. Furthermore, because solicitors are not insurance experts, important nuances in policy cover that affect the insured may be overlooked.

Cover available from insurers spans a broad range of risks including:

• Judicial Review
• Access/Services
• Defective Title
• Mining/Mineral Rights
• Unknown Rights/Easements
• Lost Title Deeds
• Lack of Build over Agreement
• Contingent Buildings Insurance
• Flying/Creeping Freehold
• Good Leasehold Title
• Local Search
• Missing Beneficiary
• Outstanding Leasehold Interest
• Restrictive Covenant
• Potential registration as Town or Village Green
• Adverse Possession
• Obstruction of Rights of Way
• Possessory Title
• Absent/Uncooperative Landlord
• Chancel Repair Liability
• Deed of Gift/Transfer at Undervalue
• Forfeiture of Lease
• Lack of Planning and/or Building Regulations consent
• Maisonette Indemnity
• Missing Lease