Absence of Easement

The Absence of Easement indemnity policy provides cover when a legal right to use an access to a residential and/or commercial property, and/or to use the service pipes, wires and cables connected to it cannot be established.

Regular use of the access and/or services, without objection or consent, for at least 12 months must be confirmed by or on behalf of the owner.

 

Full Key Facts can be viewed by clicking here.

Key Features and Benefits

If someone establishes or attempts to establish a legal right to prevent use of the access and/or services, this policy provides cover for the following, up to your selected limit of indemnity (not exceeding £2.5 million*):

whichever is the lesser of,

  • the reduction in the value of the property,

and

  • the cost of obtaining the right to use the current access and/or services or creating new access and/or services plus any residual reduction in the value of the property

       as well as

  • damages and compensation
  • other costs and expenses with our consent.

       This policy does not cover vehicular access over common land or village greens*.

The policy automatically covers subsequent owners of the property and mortgage lenders, and remains in force from the day you issue it without any time limit. 

This ‘At a Glance’ description of cover does not set out the full terms and conditions of cover or the exceptions and limitations which apply to the policy, all of which can be found in the policy document. Please also refer to the Key Facts policy summary.
* For additional cover and higher limits of indemnity, see Bespoke Policies. 

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