I have a freehold property I am selling which has a disolved management company in 2009 which covered the communal car park and paths I have removed restrictions from title is there and indemnity which would cover car park ...

I'm a first time buyer, nearing completion on buying my first flat. However my conveyancers have emailed me to say that as the lease plan is missing and the seller will not enter into a Deed of Variation with the landlord, the indemnity policies are requi...

Replacement lean to conservatory less than 12 months old...

The bungalow is 17yrs old,I have an indemnity policy from when I bought the property in 2018, but that only covers breaches from when I purchased it. I'd appreciate any advice you can give me...

My conveyancer has requested four indemnity policies on my pending purchase. I note that the restrictions on cover on all the policies state "There is no cover if the property is being sold by a mortgagee in possession, a trustee in bankruptcy, personal r...

We have been in the process of buying our first home with no chain at either end since the end of June. It is a "second hand" new build property built in 2018 and comes with an estate rent charge which we were told would be around £140 a year which we th...

We are in the process of buying a property that has no completion certificate for a loft conversion that is a office/storage room. We have asked the buyer to obtain one but he is hesitant and we feel this is because he has altered original plans. Our surv...

There's a rentcharge on my flat title and the housing association have admitted not paying it can I charge them for the policy costs...

My Cash buyer has requested a leasehold deed variation and/or Indemnity Indurance. Is this required or just for mortgages?...

Asking for a worried relative. Deceased husband handled purchase of a house in 2005, during the searches it was discovered the land previously belonged to the church and there maybe a liability for repairs and he was advised to take out indemnity insuranc...

Hi. We got a conservatory built in 2019, at the time we started with building regulations involved but my builder said that building regs definitely wasn't needed and we just needed permitted development which we done.
It's over two years since it was co...

I own a freehold property but there is a communal footpath and allocated parking spaces for some of the properties in the Close. There was a Management Company in force at the time of purchase some 10 years ago but on completion of the development the Man...

Welcome to the world of adult Dating loveawake.ru...

We are due to complete in the next few weeks, but have been informed by our solicitor that we require indemnity insurance policy for an internal garage that was converted to a dining room in approximately 1984. I have looked at the Mortgage Lenders Handbo...

Hi, we are purchasing a property with leasehold solar panels which are owned by ASG. The seller has taken out 2 indemnity policies because the seller didn’t have paper work for the building regs or transfer deed but will we still need a deed of variati...

Long story short: I tried to purchase a house, in freehold, and the garage was a peppercorn rent. My solicitors went on a crusade asking for a deed of variation about the garage, which for whatever reason the sellers didn't want to go through. Indeminty i...

My lease says carpet only and i have laminate flooring in some rooms, my solicitor has recommended an indemnity insurance how does this cover it and is it expensive?...

We live in a Victorian terrace which has a shared side and rear alley which gives us ( and our neighbours) access to our back garden gate. Our buyers are requesting that we provide legal indemnity insurance to cover this. Is this correct as we and our ...

we are trying to sell ou house, but teh buyer is asking for an idemnity isnurence for the sheds we ahve at the bottom of the graden. Our deeds written in 1923 state that no hut or caravan can be sited on the land. No house shall be built for disrepute or ...

I have purchased the leasehold to a plot of land which I wish to develop, however the land has a freeholder who is demanding an extortionate amount of money for permission. I believe the lease contains a restrictive covenant which seeks to restrict buildi...

I have a policy in place but am trying to sell my flat. I am seeking to increase cover to pass over to the purchaser. Is this possible or now we have contacted the freeholder we have to get a deed of variation? Please help!...

My solicitor cant find copy of lease of my house need to sell my house by 2nd nov can the solicitor applyfor indeminity insurance the land registry dont have a copy as well...

At the point of selling our property, we have found an old extension is currently unregistered with Land Registry. If we decide not to continue to prove undisputed ownership, is Legal indemnity insurance a valid solution to allow us to proceed?...

Like other commenters, we bought a leasehold house. Semi with large garden. We have made changes to it with a very small extension to replace basic lean too and also painted the exterior and added double glazing and sky lights. However, I know that we sho...

I would like to take out insurance to cover the value of the unowned property I have taken charge off....

We are selling a property which we carried out works on ourselves 5 years ago to knock through two load bearing walls. The buyers Solicitors have asked do we have building regs for the works, I advised no. They have now asked if the works included walls w...

We are selling a property that has ground mounted PV solar system. it has been in situ for around 3 years and has just been flagged up on buyers solicitors questions. It is more than 9m2 and consists of 22 standard size panels. Mt question is can we get a...

is indemnity insurance bad? does this mean the house could have something wrong with it ? ...

Our land registry clearly shows that the front garden of two teraaced houses is split directly down the middle. Both gardens have front walls and exactly in the middle is a wide opening to the pavement with a front gate. Both parties can walk out the gate...

Hi
I'm looking to sell my property and on re reading my lease I see that I'm not even allowed to put a shelf up without consulting the freeholder, which in this case is Southwark Council. I have over the years put in place 2 x built in wardrobes and cha...

Hi, I am remortgaging and going throgh conveyancing. I had new windows and boiler installed about 5 years ago. I dont have certificate for either of them as the windows were imported from Norway. Can I use indemnity insurance for a remortgage or would a s...

Hi I am trying to sell my leasehold maisonette, which occupies the first and second floss of a converted house. The ground floor flat is owned by the freeholder with no lease in place. Our buyers solicitor says this arrangement, along with various other p...

How can I find out if the property I am purchasing is affected by Chancel liability?...

I am selling a leasehold flat and I have been asked to pay £185 for the contingent buildings insurance indemnity - why do I have to buy this and not the buyer?...

Selling my property, which we have had for over 14 years, neither we nor the previous owners (of 25 years) have ever had to pay land rent as per an old covenant found via the land registry dating back to the 1800's. I am told I need to take out indemni...

I am going through the process of buying a flying freehold house but my solicitor has now said they I cannot get indemnity insurance a freehold property. One of the bedrooms from next door comes over above my kitchen. They said if it was leasehold it wou...

I had a dropped kerb installed by a council accredited builder who said he would undertake all the council permissions. I trusted him and it turns out he did the work without it.I spoke to other ground work and accredited people and most said the council ...

We are selling our yard and barn to a neighbour. His solicitor says he wants Indemnity Insurance as a third party who owns the field next door has an easement to enter the yard to 'lay down and maintain services, such as gas, electric and water & sewerag...

Hi,

I am in the process of buying the freehold to a building that has had two of the floors converted to apartments and sold them on. I am going to convert the meaning top floor from office to residential and sell the apartments on.

However, the GF...

We bought a flat in 2015 with laminate flooring which is on a flying freehold(no one underneath, but clause says we have to carpet all rooms except kitchen and bathroom, but this was not raised during sale.. how much should indemnity policy cost for a two...

hi, we are in the process of selling our house. we have no cosent from the county council and its unlikely they will due to the length of the drive.
we were advised to contact the council which did. now the buyers solictor has said a policy would be acce...

We bought a house less than 12 months ago and converted the garage without obtaining the consent from the freeholder. We now want to sell but understand an indemnity policy won’t be possible. What are my options?...

I urgently need advise regarding a breach of covenant indemnity. Your website mentions that is the breach has gone unchallenged for over 20 years that the matter can no longer be pursued. I urgently need advise on this matter...

My mother in law has sold her house and the buyers are asking for confirmation that a charge will be released on completion.
The charge holder- ex husband- is still bitter and controlling and neither he nor his solicitor are confirming that they will rel...

We are selling our house and were near exchange when buyers solicitor said that we dont own the garden. The land registry title plan only shows the house (red line). The black line, which is our garden, is unregistred land. We have owned house for 14 year...

I'm purchasing a top floor flat in a block which lost external cladding in a storm 3yrs ago. To date no repair has been carried out. Can I get an indemnity insurance to cover the cost should work be done and I'm charged after the sale completes?...

I am purchasing some land which currently has no access way. The plan is to create accessway over unregistered land. The seller has offered a Defective title and Absence of Easement Policy. the policy is subject to the land being used for 12 months witho...

My buyers solicitor wants me to vary my lease because the building address is 1 and since it is now 4 flats 1a 1b 1c and 1d. So she want the 'building' listed as 1a 1b 1c and 1d. Would indemnity insurance be a way round this ?...

hi, Im selling a flat which has a defective lease according to the buyers solicitor and they have asked for indemnity insurance. i need a quote moving forward ...

Hi, we are about to exchange on our home which we bought as a new build six years ago and it has just come to light that there is a small section of our garden that is still owned by the builders. When we purchased the house it was not highlighted to us b...

I am selling a leasehold flat, and have been asked to pay for an indemnity policy for the fact that the buyers solicitors have found the building block was built on contaminated land back in 1983 and a original NHBC or planning needs to be produced. As le...

Our bungalow extension was completed in 2000 with appropriate planning permission, checks from the building inspector and adaptation recommendation were completed.
However there was no completion certificate issued and we have sold the property. I want ...

Hi,

I was wondering if you could possibly help me out?

I am trying to buy a house which has a cul-de-sac right of way through the garden which terminates at the rear boundary.

It is cul-de-sac due to a partial extinguishment back in the 80’s to...

My flat is leasehold. I have inadvertently broken the covenant that says I cannot have laminate flooring. The Management Company say I have to take the flooring up as it breaks the covenant. Bu they are not the landlord. They say now they know about it, I...

I am looking at buying a lot of land with No title guarantee. Can I buy indemnity insurance in case someone else claims ownership or covenants are later revealed? The Deeds have been lost....

selling my building with a ACV attached to the title by the council need Indeminty Insurance. I am selling the building to the buyer and have planning to demolish the property and build flats on the site but the buyer cannot get a clean title as a Asset o...

Hi I am in the process of completing on my house.

My solicitor tells me that there is a small portion of ground between my house and my neighbours, they say that i will need indemnity insurance on this and that the vendor solicitor usually provides thi...

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i am selling my new build home but have noticed a breach of covenant as i have converted my garage. Will this limit my ability to sell or is it likely that indemnity insurance will be required? ...

We bought a small hotel and changed it to a family home with a planning application which was approved 7+ years ago. Were not told by architects needed building regs and the council made us put in plans for a building regs regularisation application 7 yea...

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Can i get an indemnity insurance against the sale of the freehold and a substantial raise in cost to purchase the freehold...

We have a site in Bedfordshire affected by Japanese knotweed. The contractor who removed the knotweed is a member of INNSA (knotweed trade body)and is offering INNSA's 10 year IBG details as follows:

• Broker - Insure-Risk Limited (http://www.insure...

Hello please can you assist. We purchased our house with an illegally extended garage so purchased an indemnity policy. Since then we have had an extension done on the house and the council noticed the illegal outbuilding and they have now listed this. If...

Could someone borough money on their house between exchange and completion. Would the buyer be legally embroiled....

We have a loft conversion which made the loft into a room, for which planning permission was not needed. However we are thinking of selling and have been advised we might need indemnity insurance. Would this be a good idea?...

I have a piece of land to sell and the access has been agreed by way of a deed of easement with the land owner. The piece of land has been used as an access for over 55 years unchallenged. The land owner registered the land as a village green in 1968. The...

...

I am remortgaging a leasehold property that I have owned since 2007. My solicitor says the new lender will accept no search indemnity and is now asking would I like to have searches conducted or go for the indemnity insurance. I have tried to research onl...

So confused about this it's doing my head in!

I'm selling my mum's maisonette to settle her estate and from previous advice on this site I was told the solicitor deals with this. The sale collapsed because the previous buyer's solicitor wanted the lea...

The sale of my mother's property has collapsed because the buyers' lenders wanted me to reword the lease as they queried access to the property. I refused to do so because it hasn't been an issue in the past and wasn't an issue for my parents when they bo...

I am in the final stages of buying a grade 2 timber framed house. My Conveyancing Solicitor is insisting on a indemnity insurance to be paid for by the seller as no one can produce any document regarding rights of access across my small garden. This acces...

Can you give me a quote...

I am acting as executor for the sale of my late mother's maisonette. The purchaser is requiring us to have indemnity insurance; how do I find out if insurance is already in place for the property? There have only been 2 owners of the property since the mi...

There is a deed of covenant on the property whereby the co granting it has gone into liquidation and the rights transferred to the Crown who are willing to disclaim any interest.Can an indemnity policy be taken out and which companies would underwrite...

Hello,
I am in the process of purchasing a property.

It transpires that the Vendors solicitor (or the Probate Solicitor) has lost the title deeds so the Vendor needs to re-establish the title.
I am aware that they will get a Possessory Title before t...

I am about to exchange contracts on a property. It has been discovered that part of my garden is not legally mine although it has been built on an existing site and the fence has been erected in the same place as the previous property. There is a carava...

Hi, I a looking into purchasing a freehold flat. I am aware of the issues of mortgagability. However, I have also been made aware that there is no lease in place to ensure that all flatowners in the block have adequate building insurance cover. Currently,...

We are thinking of buying a plot of land which is down a small lane with other properties in the immediate vicinity. The lane is the shared access to these properties and from what I have been told by the vendor no-one knows who owns the small lane. Ind...

I have been asked to fund legal rights reserved in the title as to use they are requesting an indemnity policy, supported by a Statutory Declaration because the road abutting my property is not maintained. Could you please give me some indication of the...

Will I be able to take out building regs indemnity insurance if the work was completed within the last 12 months and the council are aware that work was started, despite not actually receiving notification of completion or a request to visit for a final i...

Hi, I am in the process of selling my property and needing to arrange building regulations indemnity insurance to cover a permitted development loft conversion that has not had building regs sign off. Will I be able to gain an indemnity policy even though...

I am in the process of buying a flat. My solicitor is refusing to continue with my purchase unless I take out an indemnity policy, as the current owner laid wood flooring in one room, without telling the landlord. This solicitor will charge £150 for putt...

As per title. Can you arrange post sale restrictive covanant indemnity insurance as we now have full planning permission to build house where large wooden building has been sitting for several years. Next to traditional brick built ex council house. Ambig...

Can someone advise me on indemnity insurance,and if it's required. ...

is the cost of legal indemnity a 1 off payment or is it annual? does it replace building insurance. will i still need to buy contents insurance?...

I'm buying a basement flat with no landlord due to his company going into consolidation a few years ago which he lives in the top two floors of the prooerty. The current leaseholder of the basement flat thst we are buying is getting an imdeminity insuranc...

Can you give some idea of how much this will cost? Thank you....

I am in process of selling my flat. The buyers solicitor has requested written confirmation that no consent was required. The walls formed part of 2 storage cupboards and were stud walls and not load bearing. If I suggest to purchase legal indemnity insur...

Hello,

My father has gifted me £185000 to buy a property in UK. He lives in Lithuania, which is part of EU. He has signed the Declaration of Solvency, and Gift Declaration. Should I get Indemnity Policy? He is a businessman and often takes out large loa...

I purchased maisonette 10 years ago on a leasehold basis. During this time the only communication I have had with the freeholder is to send a cheque annually for ground rent. The maisonette itself is on the top floor with one other flat below. We are the ...

Q...

We are currently in the process of buying a property however it has been bought to our attention that they cannot get a copy of the original lease as it it a leasehold property. We have been advised to take out an indemnity insurance policy to cover us on...

My wife and I are interested in buying a property. We were informed that indemnity insurance will be required, and, during the process of better understanding the situation with our conveyance lawyer, it has become clear that part of the house was built ...

Seems my solicitor obtained indemnity insurance for the property we purchased (paid for by seller) for lack of building regs but the window installation was within 12 months of the policy inception date and it says on policy (which we received upon reques...

I purchased an end of terrace 2 bed property a year and a half ago. On the deed of transfer the solicitor tells me the first two schedules have lapsed but the third schedule is still in force. I am not sure if this restriction still applies or not and n...

We have exchanged contacts and were asked if we wanted to gain Chancel Indemnity Insurance. We did not want this, however we are completing on Friday and have received our balance for completion. On the statement we have been charged for Chancel indemni...

My buyers solicitor is asking for an indemnity policy, do I have to get one and what should I expect to pay for this?...

Hi, We have an issue with the sale of our property where our previous solicitors had not checked that part of the property had been registered to us. We are now selling this property and it has come to light. the property is a leasehold and we are told...

Hi I would like to know if this is a common thing. i am trying to buy a house which has potentially lack of building regulation. I was thinking of getting a indemity cover. The flat is something i really want to get but if it is too risky i will abort. pl...

are you able to obtain insurance for a conservatory which was initially refused permission i,e, amended plans but then built to the original plans. ( over 4 years ago )...

I recently completed my flat purchase last week and in the lease details it states I must register and apply to become a shareholder in the management company who act on behalf of the Freeholder. The past owner has no legal documentaion from recollection ...

I am in the final stages of buying a property but have been informed by my solicitor that the vendor requires an absent of easement policy due to a right of way issue now can I as the buyer ask my solicitor to sort out the policy as I am happy to pay for ...

The buyer's solicitor have asked me to pay for indemnity insurance for lack of having a colored copy of the plans. The only copy of the plan which the Land registry has provided in not colored and clearly shows boundaries etc, however the buyer's solicito...

The buyers solicitors have given me a quote for an indemnity policy but can I or my solicitor deal with it as their quote is hefty? How long does the policy take to put in place?...

Buying property with shared driveway,with no document to support this in deeds. Present owners there 15 yrs with no problems. Access has been shared since 1956. A statutory declaration has been offered by vendors solucitor, but my solicitor says i also ne...

I am buying a new developement flat. I have been given searches dated 2015. Can an indemity policy cover my not carrying out searches...

Don't know if you can help. We live in France and selling our house. We did two small extensions ourselves with a little help from friends. All planning permits in place and signed off by Mayor, but agents ( who prepare the contract) want invoices for...

Hi,
My solicitor has told me I need Environmental Indemnity Insurance for contaminated land but says that he has to source it and his cost is £95 + VAT, which is quite a steep admin fee, so was wondering if I was able to obtain it and if so where/whom fr...

the office title shows a deed varying the terms of a lease. the current seller was not a party to the deed does not have the deed. the beneficiary of the deed is known but not contacted. Can an indemnity insurance be obtained in these circumstances ...

Indemnity insurance is only covered when the works out carried out more than12 months ago, my understanding. What proof would I show to the insurer in order to get indemnity policy. How can I proof that the internal wall removal was complete las March?...

if a covenant states : not to carry on or permit to be carried on any wholesale or retail trade or business or manufacturing business or use or permit to be used working machines other than of a purely domestic nature on the land thereby conveyed or in an...

...

I have no installation certificate for replacement of double glazing...

I wish to convert my loft space which I am told is not currently demised to me under lease terms. I enquired to the freeholder to jointly buy the freehold of our maisonette with my neighbour. When the agent visited the maisonette they said that downstairs...

I have obtained tite to some land thru Adverse Possession. I am told I cannot have Indemnity Insurance because I did not pay anything for it and, therefore, have nothing to lose However I am told that my executor would need such insurance to sell the land...

I would like to know if the item listed on my Official copy of Title Register can be excluded with an indemnity policy to enable me to extend my property...

I am buying a property for development.The seller is providing an indemnity policy for Right of way which will pass to me. I am building 13 units and the access will be owned by the company. Do I need separate policies for each of the freehold units or wi...

I am selling a maisonette with a leasehold. The lease refers to the block being edged in blue, however the blue is missing on the plan in the lease. I am told this makes the lease defective and that i will need to get a variation in the lease. Could i not...

do i need indemnity insurance on a wood burner installed prior to purchasing property i am now selling...

We wish to build a ground floor toilet on land at the back of our house. We ave been unable to establish the owner of the land. Is there any insurance available to cover us in the event the land owner appears? we have already sought legal advice with a lo...

I am selling my maisonette and been told I have to pay for the indemnity insurance is this correct and why ....

I have unknown covenants re my house which I am selling. I have been told to get an indemnity insurance policy to cover the defect title. I wish to know how much will this cost and this house has been built over 62 years now and I would of thought that an...

I own a leasehold flat in a converted house. The Freehold company was dissolved 2 years ago & we have no contact with her. Myself & the other leaseholders insure the property & carry out any works required to maintain it. Is there an insurance policy t...

I am buying a house that comes with a small patch of land at the bottom of the garden under a separate title number. The deeds for this patch of land are missing and my solicitor has provided a quote for a Missing Information insurance policy. The quote i...

Following an environmental search which brought up an issue of the land being potentially contaminated due to previously being landfill, we have been advised to accept indemnity insurance which is valid for 10 years. My concern is what happens after 10 ye...

Is there indemnity insurance available to protect against failure to complete after exchange of contracts?...

Hello,

We are in the process of buying a house which is a leasehold. Everything was going to plan until it came to light that the freeholder, a limited management company, had dissolved in 2006 and didn't release the freehold. Therefore, it has become bo...

Buying a property with no planning permission
Pros and cons of indemnity insurance...

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Can a barn conversion that has been finished and building regs signed off in last 2 months get indemnity insurance against not having final letter of approval from local authority saying planning conditions were met? LA say they wont issue this letter, ne...

On our property we have a restrictive covenant from a 1936 Conveyance which affects two other properties, that says we can have only a pair of semi detached or two detached houses. We are building in a house in our back garden and want to do a Indemnity ...