Self-issue Policies

We offer a wide range of self-issue policies that allow you to arrange cover quickly and easily.

Planning & Building Regulations (including FENSA) Buy now IPID's Summary
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.
Building Regulations Only (including FENSA) Buy now IPID's Summary
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.
Chancel Repair Non-Successor (Residential) Buy now IPID's Summary
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.
Chancel Repair Successor (Residential) Buy now IPID's Summary
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.
Search Insurance (Purchase) Buy now IPID's Summary
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.
Search Insurance (No Search Mortgage) Buy now IPID's Summary
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.
Search Insurance - Search Validation Buy now IPID's Summary
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.
Search Insurance - Search Delay Buy now IPID's Summary
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.
No or Passed Environmental Search - Contaminated Land (15 year policy) Buy now IPID's Summary
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.
Restrictive Covenant Buy now IPID's Summary
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.
Absence of Easement - Access and/or Services Buy now IPID's Summary
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.
Insolvency Act Buy now IPID's Summary
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.
Missing Information, Lost Title Deeds and Possessory Title Buy now IPID's Summary
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.
Absence of Build Over Agreement (12 year policy) Buy now IPID's Summary
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.
Good Leasehold Title Buy now IPID's Summary
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.
Flying /Creeping Freehold Buy now IPID's Summary
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.
Missing Landlord Buy now IPID's Summary
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.
Flat/Maisonette Buy now IPID's Summary
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.
Contingent Buildings Buy now IPID's Summary
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.

Self-issue policies explained

CRM offers a choice of purchasing policies through our online portal or via our paper packs. Our competitively priced self-issue policies provide quick and easy legal indemnity insurance solutions to a wide variety of risks identified within the conveyancing process.

All policy types have limits of indemnity up to £3 million. Most polices will provide cover in perpetuity and will often cover successors in title as standard.

If your client doesn’t meet our self-issue underwriting criteria – or they need a limit in excess of £3 million – our bespoke underwriting team can provide tailored solutions.

Order online

Whether you need an initial quote or you want to purchase cover immediately, simply log in to our secure online system using your email address and password. If you don’t have log in details, please register. Once you have logged in, the process is very straightforward. If you need any assistance please call us on 020 7256 3847.

  1. Review a list of products offered and read a summary of what they cover to determine the product required
  2. Select ‘Buy Now’ to review the underwriting criteria and confirm they are correct. If they are not, please contact us to discuss your client’s specific needs. If all criteria can be met you will need to complete the property details and select a limit of indemnity. At this stage you will be sent a quotation to review
  3. Issue Policy – if you and your client are satisfied with the policy and it is ready to place on risk, sign back in and select ‘Retrieve Quotes.’ Select the relevant quote and click ‘Issue’
  4. Payment is due within 10 working days of the policy being issued

Order by post

If you prefer paper, our 4th edition self-issue pack is the ideal way to provide your clients with policies instantly. To request a pack or policy refills, please call us on 020 7256 3847 or email enquiries@crminsurance.co.uk with details of what you need. The process of obtaining a policy is straightforward.

  1. Read the relevant policy to make sure it meets the needs of your client and any lenders
  2. Ensure that your client can meet all of the underwriting criteria and that the terms and conditions are appropriate
  3. Check the premium table under the limit of cover required. The limit of indemnity must not be less than the market value of the property at the start of the policy
  4. Complete the policy schedule (all fields are required) and send us a photocopy retaining the original for your client
  5. Payment is required within 10 working days of the start date of the policy