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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 risks

  • Absent/Missing Landlord
  • Breach of a Leasehold Covenant
  • Contingent Buildings
  • Flat/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)