This policy covers property owners and their lenders should they suffer financial loss as a direct result of an enforcement or attempted enforcement of a breach of planning and/or building regulations if works have been carried out to the property for which either the appropriate planning consents and/or building regulations approval were required but were never obtained, cannot be located, or a condition of any consent and/or building regulations approval has not or may not have been complied with.

This policy covers property owners and their lenders should they suffer financial loss as a direct result of an enforcement or attempted enforcement of a breach of building regulations if works have been carried out to the property for which the appropriate building regulations approval were required but were never obtained, cannot be located, or a condition of any building regulations approval has not or may not have been complied with.

This policy covers purchasers of the property at the time the policy is taken out or the current owner in the case of the mortgage or remortgage by the existing owners and their lenders for any financial loss resulting from the Parochial Church or any other entitled party enforcing or attempting to enforce a chancel liability attaching to the property without such liability having been noted on the property title. This policy does not cover successive owners of the property.

This policy covers property owners and their lenders from the date of the policy including successive owners and lenders for any financial loss resulting from the Parochial Church or any other entitled party enforcing or attempting to enforce a chancel liability attaching to the property without such liability having been noted on the property title.

This policy covers the purchasing property owners and their lender at the time the policy is taken out and any lenders should they suffer a financial loss because the property is affected by a matter which they were not aware of at the start of the policy and which would have been revealed by a local search or drainage search had one been carried out at the start of the policy.

This policy covers lenders providing a mortgage at the time the policy is taken out should they suffer a financial loss because the property is affected by a matter which they were not aware of at the start of the policy and which would have been revealed by a local search or drainage search had one been carried out at the start of the policy.

This policy covers the purchasing property owners and their lenders at the time the policy is taken out should they suffer a financial loss because the property is affected by a matter which they were not aware of at the start of the policy and which was not revealed on a previous out of date search and would have been revealed by a local search or drainage search had an up to date search been carried out at the start of the policy.

This policy covers the purchasing property owners and their lenders at the time the policy is taken out should they suffer a financial loss because the property is affected by a matter which relevant parties were not aware of at the start of the policy and which would have been revealed by a local search or drainage search had one been carried out at the start of the policy, such searches being delayed and not available at exchange.

This policy covers property owners and their lenders should they suffer a financial loss as a result of a remediation notice being served by the local authority or the Environmental Agency because the land at the property is deemed to be contaminated.

This policy covers property owners and their lenders should they suffer financial loss as a result of a third party who is, or claims to be, entitled enforcing or attempting to enforce the restrictive covenants to which the title to the property is or may be subject, and which have or may have been breached.

This policy covers property owners and their lenders should they suffer a financial loss because they are prevented, or there is an attempt to prevent them from using a pedestrian right of way and/or vehicular access, and/or services serving the property (the easement) that was being used in connection with the property at the start of the policy, because there is a lack of entitlement to the relevant easements in the title to the property.

This policy covers lenders and purchasers who purchase for full value and at arm’s length should they suffer a financial loss because the property is subject to a deed of gift or transfer at undervalue which could be challenged under the provisions of the Insolvency Act resulting in the setting aside or attempted setting aside of the transaction.

This policy covers property owners and their lenders should they suffer actual financial loss as a direct result of a third party challenging legal title to the property or a third party establishing or attempting to establish an adverse right, the details of which are unknown to the property owners or lenders because the property is registered with Good Leasehold Title at the Land Registry.

This policy covers property owners and their lenders should they suffer a financial loss following damage or destruction of the property or the buildings of which the insured property forms part because the property owners are unable to reinstate or repair the property due solely and directly to the provisions of the lease of the property being defective or unenforceable.

This policy covers property owners and their lenders should they suffer financial loss as a result of being unable to enforce the repair of the property or adjoining premises, obtain reimbursement of the costs of, or appropriate contributions towards, repairs to adjoining premises because of a defect in the title of the insured property which does not contain adequate rights of support or shelter and/or covenants for repair maintenance and/or access for the purposes of carrying out the necessary repairs and maintenance for support and protection of the property.

This policy covers property owners and their lenders should they suffer a financial loss as a result of a missing landlord who could not be traced, failed to respond to correspondence or was in receivership at the start of the policy returning to enforce any arrears of rent or service charge, a breach of any covenants contained in the lease, or any alterations additions or extensions carried out to the property more than 12 months before the start of the policy and/or exercising or attempting to exercise a right to determine the lease.

This policy covers property owners and their lenders should they suffer financial loss as a result of being unable to enforce the repair of an adjoining property following damage to the insured property, where such property is in part a flying and/or creeping freehold over or under the adjoining property, because the title does not contain adequate rights of support or shelter and/or covenants for repair maintenance and/or rights to access the adjoining property to carry out repairs.

This policy covers property owners and their lenders should they suffer financial loss because there has been enforcement, or an attempt to enforce, an adverse interest by a third party where the property is subject to rights, easements or restrictive covenants which were unknown at the start of the policy because documents referred to on the property title are either missing, unavailable, illegible, incomplete or the property is registered with possessory title only.

This policy covers property owners and their lenders should they suffer a financial loss because a building was constructed on the property which was built over or within 3 metres of existing electricity cables, telecommunications cables, sewer or other drainage pipes, or other service media except gas without the required consent of the legal owner of, or statutory body responsible for, the utilities who later establishes or attempts to establish their right to gain access for the repair, maintenance, replacement or relocation of the utilities.