Indemnity Insurance Policies

With latest research showing that as many as 1 in 5 of all conveyancing transactions are discovered to have a known risk which requires some level of Indemnity Insurance, Searches UK’s sister company - Indemnities UK – offers you the perfect on-line Indemnity Insurance cover solution.

Indemnities UK provides both Residential and Commercial Title Insurance to Solicitors and Conveyancers throughout the UK.

Thanks to our state of the art, on-line quote and order platform, Indemnities UK is able to supply instant on-line cover for all property transactions any time of the day or night.

Instant quote and order to cover Residential known risks

Searches UK and Indemnities UK are committed to providing a comprehensive range of policies to address any issue relating to residential title. Here are just some of the more common known risks that you can insure against and obtain Indemnity Insurance Policies for:*

Adverse Possession

Where paper title cannot be evidenced.

Possessory title

Where the property has been registered at the Land Registry with possessory title.

Good leasehold

Where the freehold title has not been proved to Land Registry and someone else challenges the validity of the lease. 

Absent landlord

(Flat/Maisonette or House) Where the landlord cannot be identified.

Title Subject To Rights and Reservations

Where the title is subject to third party rights.

Unknown Freehold Restrictive Covenants referred to in the Title or Deed which is missing

Where a deed or the registered title makes reference to restrictive covenants but the contents are unknown.

Missing Lease refers to easements, rights or other provisions, which are unknown

Where there is reference to a lease containing easements, rights or other provisions, which are unknown.

Defective Lease

Where the lease contains inadequate provisions as to repair/maintenance of the building of which the property forms a part or where the lease is otherwise defective.

Breach of Restrictive Covenant

Where covenants are breached which restrict the use or type of building.

Chancel Repair (Successor and Non-Successor)

Where the property is located within a  potentially liable parish for Chancel Repair payments.

Flying/Creeping Freehold

Where part of the residential property extends above or below another property.

ForcedRemoval/Obstruction of a Right of Way

Where there is a building over an existing Right of Way.

Lack of Drainage/Service Media/Water Supply

Where there are no or inadequate legal rights of drainage/service media/water supply to the residential property.

Lack of Building Regulations/Planning Permission/FENSA certificate

Building Regs/FENSA Certificate – Alterations or additions or replacement windows were made without formal building regulations approval/receipt of FENSA Certificate (if applicable)

Cover for lenders

Insolvency - Deed of Gift/Undervalue Transaction (Lender Only)

Where there has been a transfer of the land by a deed of gift or at an undervalue.

Freehold flat (Lender Only)

Where the title to the flat contains inadequate provisions as to the repair and maintenance of the building of which the property forms part.

Building over a sewer (Lender Only)

Where there is building over a public sewer.

Listed Building Consent (Lender Only)

Alterations or additions to the residential property were made without formal listed buildings consent.

Local Authority Search - No Search for Purchase or Remortgage Transactions

Where no formal search of the Local Authortiy Land Charges, Water Service Company and/or Coal Authority registers in accodance with forms LLC1 and Con29/29R/29DW/w9M have been applied for but less than 18 months old.

Local Authority Search - Search Delay for Purchase or Remortgage Transactions

Where formal searches of the Local Authority Land Chares, Water Services Company and/or Coal Authority registers in accordance with forms LLC1 and CON29/29R/29DW/29M have been applied for but there is a delay in receiving these back.

Local Authority Search - Search Validation for Purchase or Remortgage Transaction

Where existing searches of the Local Authority Land Charges, Water Service Company and/or Coal Authority registers in accordance with forms LLC1 and CON 29/29R/29DW/29M are more than three months old.

* subject to underwriting criteria

 For detailed Indemnity Insurance information please visit the Indemnities UK website.

 To ask any questions or to request further assistance please email us or call us on 0845 241 1826.