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We constantly track the type of enquiries we receive, along with the types of claims made, and will regularly review our policies to ensure that our products accurately meet the requirements of buyers and lenders. This may result in us adjusting the cover that we offer, developing new products, or creating new combinations of policies.

If you find other providers offering similar policies at cheaper premiums, it may appear at face value as though you’re getting a better deal. But it’s always worth taking the time to compare the details, as it’s unlikely to be genuinely like-for-like cover. Here are just a few examples of advantages that our policies have, over those of our competitors:

• Our Planning Permission and Building Regulations policy covers alterations that were completed at least 6 months ago, as standard. But most other providers issue cover only for alterations that have been in place for 12 months or more, or charge extra premium to reduce that period.
• We're one of the very few providers to offer a stand-alone FENSA policy, with premiums starting at just £12 - and for a small additional premium, we can cover works completed at least 6 months ago, instead of the usual 12 months that is standard for other providers.
• Our contaminated land policy has a term of 35 years, far more than the 10 - 15 years that most others offer. Our policy protects both the buyer and lender, and includes an escalator clause to protect the policy limit against inflation.
• Our sewer and drain cover policy has a term of 35 years, subject to the property being unaltered for 12 months, whereas other policies usually only offer a term of 10 - 15 years, and they require the property to have remained unaltered for 24 months.

We have more than 90 combined covers to choose from on Elite, including two new combined products launched this year, a Flying Freehold and Pedestrian Access policy, and our No Search purchase and Contaminated Land (residential) policy.

And we’re always looking to develop new products. Last year we launched our ‘lack of vehicle crossover consent’ policy, designed to help when a residential property benefits from an existing ‘vehicle crossover’ – or a dropped kerb – which has been constructed without formal consent from the local authority.

For the best deal and most comprehensive coverage, for both you and your client, call now on 01603 617617, or email enquiries@cli.co.uk.