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Ask the experts
We look at some of the most common questions posed to our underwriters.
Q: Can you provide a policy for lack of access rights where a repossessed property is being bought from a mortgagee in possession, and they are unable to provide any information about the property and previous use of the access?
A: Yes, this is something we can definitely look at. We would investigate the age and nature of the property, titles to the property and access if registered, as well as any other practical evidence of past use.
This includes looking at past and present images of the property for an existing opening in the property boundary onto the access, such as a path or driveway, or for existing parking facilities, indicating that a vehicle has crossed the land in question. We would also ensure the route is currently unobstructed, and that there has been no recent correspondence with the owner of the access (if known).
Q. If I need cover for multiple risks affecting one transaction, can you combine the policies?
A. Yes, in fact we already offer over 70 varieties of combined risk policies. We developed these policies based on feedback from our customers, and we often receive enquiries for cover combining:
- Building Regulations and Restrictive Covenants
- Planning Permission, Building Regulations and Listed Buildings Consent
- Access and Services
You can get quotes for these combinations and more by phone or email, and they’re available online via Elite as well.
Alternatively, if the risks aren’t suitable for a combined policy, we can issue individual policies and discount the total premium payable. Contact us with the details and we can consider your case.
If you have any questions, contact one of our underwriters on 01603 617617 or email enquiries@cli.co.uk.