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 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)