M&P Insurance Solutions

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LEGAL INDEMNITY INSURANCE

Legal indemnity policies are typically used during a property transaction where there is an issue with the underlying title that can’t be quickly resolved. Whilst they have the ability to cause a substantial loss to the owner of the property, such defects generally have a limited likelihood of materialising.

M&P specialise in delivering solutions for the more complicated and bespoke legal indemnity policies including but not limited to:

  • Defective Titles including Good Leasehold Title, Lost Title Deeds, Adverse Possession, Outstanding Rights and Easements.
  • Restrictive Covenants.
  • Chancel Repair Liability.
  • Defective Lease including Contingent Buildings Insurance, Absentee Landlord and Maisonette (incorporating seven of the most Common Defects).
  • Flying and/or Creeping Freehold.
  • Insolvency Act.
  • Lack of Planning Permission and/or Lack of Building Regulation Consent.
  • Access and/or Services.
  • Searches including cover for Search Delay, Search Validation, No Search and No Search-mortgagee only.
  • Contaminated Land – expenses incurred in treating, isolating or removing any substance from the Policyholder’s land in accordance with the requirements of any Statutory Notice.
  • Rights of Light.

If you think that you may have a need for legal indemnity insurance, it is essential that you do not notify anyone related to the covenant as this may limit your ability to secure cover. Instead, please get in touch with us and we will advise you as to the correct course of action.

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