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We’re often asked to cover a single property against several title defects, which is why we offer a wide range of combined covers. Not only does this save you having to obtain multiple quotes for the same property, but the cost of a combined policy will automatically include a combined covers’ discount. 

Arranging one of our combined policies couldn’t be easier. Simply sign in to Elite, our online service, where you can obtain immediate quotes for over 90 combined covers, including:

• Absent Landlord and Good Leasehold Title
• Access and Services risks (including septic tanks)
• Maisonette/Flat and Contingent Buildings insurance
• Missing Mortgagee Protection Clause and Housing Act (lender only)
• No Search and Contaminated Land
• Planning Permission and Building Regulations, also available with Restrictive Covenants
• Restrictive Covenants and Mining/Mineral Rights
• Services and Outstanding Rights
• Unknown Restrictive Covenants, Rights and Easements

Chalk and cheese

Some things in life work together better than others. While it might be theoretically possible to combine any two or more covers, some combinations simply aren’t compatible with each other, due to differences in the period of insurance, or who the cover is being provided for. In these situations, the resultant wording can be complex and confusing for the policyholder. We believe in making our wordings as clear as possible and where two incompatible covers make them unsuitable to be combined, we’ll simply issue separate policies instead. This helps aid your clients’ understanding of both covers, and they still benefit from the combined covers’ discount too.

All our combined products are available online, but if you can’t find the combination you're looking for, or you have something that is a little unusual, why not call our expert underwriters on 01603 61617, or email enquiries@cli.co.uk?