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Products

Whether you are involved in sales and acquisitions, refinancing, investments, or developments, we have you covered.

 

If you have a need which is not covered by the list below or a non-standard head of loss, please contact our underwriting team to discuss your specific needs.

Common title risks

 

  • Absence of Easement (Access and Services)

  • Adverse Possession of Land/Lack of Title

  • Adverse Third-Party Rights

  • Chancel Repair Liability

  • Estate Rent Charges - paid and unpaid

  • Flying/Creeping Freehold

  • Historical Freehold Rent Charges

  • Lateral Support

  • Limited or No Title Guarantee

  • Manorial Rights

  • Mineral/Mining Rights

  • NHBC Certificate, Builders Warranty or equivalent

  • Possessory Title

  • Railway Lease Indemnity

  • Restrictive Covenant - past and future breaches

  • Utility Provider Cover

  • Title Warranties

Leasehold specific

  • risksAbsent/Missing Landlord

  • Breach of a Leasehold

  • CovenantContingent

  • BuildingsFlat/Maisonette

  • Forfeiture of Lease

  • Forfeiture of Headlease

  • Good Leasehold Title

  • Lack of Mortgagee Protection Clause

  • Termination of Lease (Non-reinstatement)

Title Contingency risks

  • Absence of Adoption Agreements (Road and Sewer)

  • Absence of Build Over Agreement (Sewer and Utilities)

  • Contaminated Land

  • Insolvency Act - undervalue transfers, deed of gift or gift of deposit

  • Lack of Party Wall Agreement

  • Lender’s Due Diligence coverage

  • Search covers

 Planning risks

  • Abortive Planning Costs

  • Building Regulations

  • Conservation Area Consent

  • Highways Consent

  • Judicial Review

  • Listed Building Consent

  • NHBC Certificate, Builders Warranty or equivalent

  • Planning Permissions

  • Planning Obligations (Section 106 Agreement)

  • Tree Preservation Order (TPO)

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