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Conveyancing Indemnity Insurance

Home » Conveyancing Indemnities

Facing an increasing need for client-facing legal indemnities for conveyancing transactions at a competitive premium? We can issue a policy in a matter of minutes.

We understand how time-consuming it can be to arrange conveyancing indemnities so, we offer a simple, user-friendly online facility, where you can obtain a premium in seconds and then be issued a policy in minutes.

Via our online portal, you can be issued with a range of conveyancing indemnities, including:

home

Adverse Possession

Adverse Possession

home

Adverse Possession

Adverse possession is a legal principle under which a person who does not have the legal title to a piece of property can acquire ownership through continuous occupation without the permission of its legal owner. This is often referred to as “squatters rights”. This policy covers the purchaser against any financial losses suffered if someone attempts to claim the land from them - such as the costs involved in defending a claim.
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Absence of Easement (Access & Services)

Absence of Easement (Access & Services)

landscape

Absence of Easement (Access & Services)

An easement is a type of right which one party has over another’s land. As part of the legal title to the property there should be a full description of all easements. These often comprise of rights of way and rights of service. Sometimes these are missing or not properly described. Generally, absence of easements in these cases can be insured very cost-effectively. Rather than complex and time-consuming negotiations with third parties in attempt to rectify a position, the policy will ensure that the owner of the rights can do so. E.g., a landowner having a right of way over land which belongs to a third party to reach their property.
house

Absent Landlord

Absent Landlord

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Absent Landlord

Absent Landlord insurance covers the situation where a landlord of a leasehold property cannot be traced or is in liquidation or receivership. Consequently, rent is not being paid or demanded and consent cannot be obtained for work to the Property or assignments of the lease. The risk is that the Landlord could reappear and make a claim against the property owner. An Absent Landlord policy protects you from any claim brought by a Landlord who reappears at any point.
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Breach of Planning Permission

Breach of Planning Permission

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Breach of Planning Permission

Most major building alterations or changes in use of a property require Planning Permission from the Local Authority. In some circumstances the relevant permissions were not obtained, or the relevant documents were lost or mislaid. However, the relevant permissions and certification will be required by the purchaser. Contravention of these regulations/ lack of evidence planning permission was complied with, can result in the Local Authority issuing an enforcement notice which requires the owner to alter or remove the work – which could be particularly costly. An indemnity policy would cover the costs of this should an enforcement notice ever be given therefore protecting the buyer from any future losses.
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Lack of Building Regulations

Lack of Building Regulations

blueprint

Lack of Building Regulations

Most major building alterations or changes, and all electrical installations and gas boiler installations after April 2005 require building regulations to have been complied with. Often in transactions, the relevant permission/ sign off were not obtained or the relevant documentation for which it was installed get lost. Contravention of these regulations/ lack of evidence building regulations were complied with, can result in the Local Authority issuing an enforcement notice which requires the owner to alter or remove the work – which could be particularly costly. An indemnity policy would cover the costs of this should an enforcement notice ever be given therefore protecting the buyer from any future losses.
magnifying-glass

No Search Lender

No Search Lender

magnifying-glass

No Search Lender

This product covers the scenario where a buyer decides not to use searches, and so it is a lender requirement to have a policy to protect from this risk. This indemnity policy covers any matter which adversely affects the property which would have been disclosed by an-up-to date search. This policy would be put in place solely to protect the lender from this risk/ to fulfil their requirements.
rejected

Restrictive Covenants Indemnity: Freehold

Restrictive Covenants Indemnity: Freehold

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Restrictive Covenants Indemnity: Freehold

A restrictive covenant is a legal rule imposing a restriction on the use of the land so that the value and enjoyment of adjoining land will be preserved. Properties or land can be subject to restrictive covenants relating to matters such as the number and type of premises that can be built, the use of premises, the nature of the use of the property etc. A property may already be occupied and used in breach of those restrictions or change of use or development may be proposed that would be in breach of the restrictions. There may also be covenants contained in documents that are not now available or recorded at the Land Registry. An indemnity policy for this protects the new owners of the property from any past breach of covenant and potential liability attached to this. This policy solely protects against restrictive covenants in Freehold properties.
pickaxe

Mining & Mineral Rights

Mining & Mineral Rights

pickaxe

Mining & Mineral Rights

This policy provides cover where a property is or may be subject to exceptions or reservations of mineral rights beneath the land. This means that the owners of the property do not own the mines and minerals in the ground beneath their property. The policy protects the purchaser, lender, and their successors in title, should a third party seek to excavate these mines and minerals. An indemnity policy will mitigate the risk of financial loss incurred if the rights are exercised, including the cost of challenging any excavation.
home-insurance

Contingent Building Insurance

Contingent Building Insurance

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Contingent Building Insurance

Contingent Buildings Insurance deals with the circumstances where a leasehold title does not set out clearly the landlord’s responsibility for maintaining insurance on the fabric of the property and place an obligation to reinstate in the event of an insurance claim. The policy provides cover for buyers and lenders for financial loss incurred from damage/destruction to the property leading to the insured being unable to reinstate or repair the property due to these defective insurance provisions.
Restrictive Covenant Indemnity: Freehold

Restrictive Covenant Indemnity: Leasehold

Restrictive Covenant Indemnity: Leasehold

Restrictive Covenant Indemnity: Freehold

Restrictive Covenant Indemnity: Leasehold

A restrictive covenant is a legal rule imposing a restriction on the use of the land so that the value and enjoyment of adjoining land will be preserved. Properties or land can be subject to restrictive covenants relating to matters such as the number and type of premises that can be built, the use of premises, the nature of the use of the property etc. A property may already be occupied and used in breach of those restrictions or change of use or development may be proposed that would be in breach of the restrictions. There may also be covenants contained in documents that are not now available or recorded at the Land Registry. An indemnity policy for this protects the new owners of the property from any past breach of covenant and potential liability attached to this. This policy solely protects against restrictive covenants in Leasehold properties.
building

Flying Freehold

Flying Freehold

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Flying Freehold

A Flying Freehold is where a part of one property extends physically into or over a neighbouring property. This is normally where part of a property requires support from or provides support to another freehold premises part of which is built above or below the insured Property and there are no mutual rights of support and repair documented in the titles. Indemnity insurance provides a cost-effective solution to this problem.
contract

Missing Documents

Missing Documents

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Missing Documents

Missing Documents indemnity is designed for the situation where deeds or documents which pertain to the legal title of the property are either missing or unknown. This includes both deeds and title plans. The Legal title to the property should include a clear and unambiguous description of all the rights owned and enjoyed by the occupiers of the property together with relevant rights of way and services. If for whatever reason some of these elements are missing, then this cover is available for a wide range of potentially missing information, such as unknown covenants, easements, and rights.
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Chancery Repairs

Chancery Repairs

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Chancery Repairs

Chancel repair liability relates to powers granted to the Church of England to charge those in the local areas for the upkeep of the chancel to the parish church. An indemnity policy for Chancel Repair covers any losses incurred for properties which have been identified as being within a Parish which retains its right to charge or demand contributions to the Chancel repair.
house-key

No Search Lender & Buyer

No Search Lender & Buyer

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No Search Lender & Buyer

This product covers the scenario where a buyer decides not use searches, and so it is a lender requirement to have a policy to protect from this risk and the buyer also wants to be protected from any risks arising from the lack of searches. This indemnity policy covers any matter which adversely affects the property which would have been disclosed by an-up-to date search. This policy would be put in place to protect both the buyers of the property and their lender.
search time

Delayed Search

Delayed Search

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Delayed Search

This product covers the scenario where searches have been applied for but not yet received. This policy covers any matter which adversely affects the property which would have been disclosed by the searches being received prior to exchange of contracts.
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Search Validation

Search Validation

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Search Validation

Any searches obtained in a property transaction need to have been obtained within 6 months of exchange of contracts to be seen as valid by mortgage lenders. This policy can be put in place where a buyers’ searches have since expired. An indemnity policy covers any matter which adversely affects the property which would have been disclosed by an-up-to date search.
file search

Good Leasehold Title

Good Leasehold Title

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Good Leasehold Title

Good Leasehold Title describes the circumstances where a Leasehold interest in a property can be registered without there being clarity regarding the Freehold ownership. The risk is that it is possible that an unknown third-party could appear and claim the Freehold ownership of the property to the detriment of the Leasehold title. This policy will protect new buyers from the risk of this.
piggy-bank

Insolvency Act / Transaction At Undervalue

Insolvency Act / Transaction At Undervalue

piggy-bank

Insolvency Act / Transaction At Undervalue

Insolvency Act Insurance policy provides cover for a lender or third-party purchaser where a property is transferred for less than the market value. The reason for a property being sold for less than the market value is usually that the property is being sold between family members so there is an equity gift where part of the purchase price is provided by someone other than the buyer. If the person who made the gift later becomes bankrupt, it Is possible for their creditors to reclaim money or claim an interest in the property under Insolvency Act 1986. This policy protects the mortgagee or third-party purchaser from this risk.
real-estate

Breach of Listed Building Cosent

Breach of Listed Building Cosent

real-estate

Breach of Listed Building Cosent

When a building is listed, this means that the building has special architectural and historic interest. There are different classes of listing ranging from buildings of special interest to exceptional interest. Most properties of this type were built in the 19th century or earlier. If a building is listed, it can have implications on what you can and cannot have done to the property. It may mean that you would need to apply for planning permission where you wouldn’t for a non-listed building. You may also need Listed-Building consent. If this is not obtained the planning authority can issue an enforcement notice which could be costly. An indemnity policy protects new buyers from any past breaches by previous owners.
apartment

Flat or Maisonette Indemnity

Flat or Maisonette Indemnity

apartment

Flat or Maisonette Indemnity

Flat of Maisonette indemnity is relevant where: - There are inadequate clauses relating to rights of support/protection and repair. - There are no Landlord clauses relating to repair and maintenance obligations in respect of the remainder of the building should the Landlord or management company fail to undertake its obligations or - There is no adequate provision that future long leases will be granted in a similar form This policy will protect new buyers from this risk.
pollution

Contaminated Land

Contaminated Land

pollution

Contaminated Land

Contamination on land is usually caused by historical industrial uses. This is usually flagged on a buyer’s Environmental search report and is then a lender requirement that an indemnity policy is obtained to mitigate the risk of the new buyers being called upon to contribute to the cost of cleaning up the historic contamination, even though they did not cause it. The policy covers liabilities for necessary remediation costs following regulatory action under the Environmental Protection Act 1990.
neighborhood

Lack of Party Wall

Lack of Party Wall

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Lack of Party Wall

The Party Wall Act 1996 sets out the rule that when altering or moving a party/boundary wall consent must be obtained from adjoining owners before alterations can take place and documentation relating to the permissions under the Party Wall Act will be required by any subsequent purchasers. An indemnity policy for this acts to protect both lenders and purchasers from any loss arising out of any non-existing agreement.

The need for indemnity insurance for property sales

Solicitors must comply with the Solicitors’ Code of Conduct, the set of rules and regulations relating to the standard of professional conduct expected of solicitors in England & Wales. Part of this code is the professional obligation to always act in the clients’ best interests, which means giving detailed advice to clients at all times regarding any legal defects in a property, and the options on how to address a buyer’s concern. This is where a comprehensive range of conveyancing indemnities can help. Robustly devised and providing peace of mind, we have developed this comprehensive suite of products to aid solicitors and their clients alike.

If your practice is seeking a fast, simple, online facility with competitive premiums, talk to us as soon as you can. Contact us email info@palladiuminsurance.gg or complete the enquiry form on our contact page.

ATE Insurance

Our expert ATE insurance offers peace of mind for clients who wish to pursue a claim, but need cover from the risk of being liable to pay their opponent’s legal costs and disbursements, should the case be unsuccessful.

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Conveyancing Indemnities

Our in-depth experience as a provider of ATE insurance enables us to respond to the growing need of lawyers for client-facing legal indemnities specifically for conveyancing. We are specialists in the provision of a comprehensive range of conveyancing indemnities.

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Palladium Insurance Ltd is a Licenced Insurer registered with the Guernsey Financial Services Commission (GFSC) under the Insurance Business (Bailiwick of Guernsey) Law 2002. The Company is registered in Guernsey (Company Reg. No. 62801) and who’s registered office is Second Floor, Block A, Lefebvre Court, Lefebvre Street, St Peter Port, Guernsey, GY1 2JP. Copyright © Palladium Insurance Limited Website 2026. All Rights Reserved.