Lost Deeds

Key Features and Benefits

If someone establishes, or attempts to establish, that they

• own all or any part of the property, or
• have an adverse legal right over the property, or
• have the benefit of a restrictive covenant which has been breached

arising from the lost title deeds, the policy provides cover for the following, up to your selected limit of indemnity (not exceeding £2.5 million*):

• damages and compensation
• any sum paid with our consent to free the property from any adverse third party right or interest or covenant
• the reduction in the value of the property
• costs and expenses incurred with our consent.

The policy does not cover loss arising from the construction of the property or any alteration, addition, extension or change of use carried out less than 12 months before the date on which cover commenced, or any change of use after the commencement date.

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.