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Listed below are our Defective Lease legal indemnity policies. If you are unable to find a product to suit your needs, then please call our underwriting team on 01603 617617 (Mon-Fri, 9am-5pm) who will be able to help. Click here to return to the full list of products.
Single policies
Inadequate provision to insure the building and/or reinstate the property or building
Inadequate provision to insure the building and/or reinstate the property or building - lender only
Inadequate rights of support, protection, and entry between leasehold 'overdwellings' and 'underdwellings' to enable repair
Inadequate rights of support, protection, and entry between leasehold 'overdwellings' and 'underdwellings' to enable repair, where the buyer/borrower is not obtaining a survey
Potential forfeiture in the event of insolvency of the tenant or superior tenant
Potential landlord repossession using a Section 8 Housing Act Notice due to outstanding ground rent under a long lease, as a result of the landlord interpreting the long lease as an Assured Tenancy or AST due to the amount of ground rent stipulated
Lender only policy to cover the risk of forfeiture due to a future breach of the long lease by the borrower, where the lender is not notifiied due to the lack of a mortgagee protection clause in the lease.
Potential forfeiture of a superior lease which results in determination of the leasehold chain of title
Inadequate provision to maintain and repair the building in accordance with sections 5.14 and 5.15 (or such relevant paragraph) of the UK Finance Mortgage Lenders' Handbook
Inadequate provision to maintain and repair the building in accordance with sections 5.14 and 5.15 (or such relevant paragraph) of the UK Finance Mortgage Lenders' Handbook - lender only
Inadequate provision to maintain and repair the building in accordance with sections 5.14 and 5.15 (or such relevant paragraph) of the UK Finance Mortgage Lenders' Handbook, where the buyer/borrower is not obtaining a survey
Leasehold title to the property may be defective and rights of access granted in the lease may be ineffective, as the lease plan is missing, illegible or uncoloured.
Title to the property may be defective as the lease plan is missing, illegible, uncoloured or coloured incorrectly
Combined policies
Inadequate provision to insure, maintain and repair the building and/or reinstate the property or building
Inadequate provision to insure, maintain and repair the building and/or reinstate the property or building - lender only
Inadequate provision to insure, maintain and repair the building and/or reinstate the property or building , where the buyer/borrower is not obtaining a survey
Lender only policy to cover the risk of forfeiture due to a future breach of the long lease by the borrower, where the lender is not notified due to the lack of a mortgagee protection clause in the lease, or in the event of a section 8 Notice being issued
The missing/illegible lease to the property may contain unknown restrictive covenants, rights of way and easements for services
Leasehold title to the property may be defective and rights of access granted in the lease may be ineffective, as the lease plan is missing, illegible or uncoloured, and title to the property is registered with Good Leasehold title only
Title to the property may be defective as the lease plan is missing, illegible, uncoloured or coloured incorrectly, and title is registered with Good Leasehold title only