Planning Permission

The Planning Permission indemnity policy provides cover when there is a lack of evidence that planning permission has been obtained or complied with (or it is known that its terms or conditions were not complied with) for the following works carried out to a residential and/or commercial property:

  • the construction of or conversion to a house or flat at least 4 years prior to the policy’s commencement date
  • any change of use implemented at least 4 years before the policy’s commencement date
  • alterations, additions or extensions carried out to the property at least 12 months before the policy’s commencement date where the property is not in a conservation area
  • alterations, additions or extensions carried out to the property at least 4 years before the policy’s commencement date where the property is in a conservation area

 

Full Key Facts can be viewed by clicking here.

Key Features and Benefits

If the local planning authority serves an enforcement notice or an injunction on the property owner in respect of the works described above, the policy provides cover for the following, up to your selected limit of indemnity (not exceeding £2.5 million*):

  • the cost of altering, demolishing or reinstating the property required by an enforcement notice or injunction under the planning controls
  • the reduction in the value of the property
  • costs and expenses with our consent.

The policy does not cover:

  • listed buildings* or the lack of conservation area consent*
  • failure to comply with building regulations (see Building Regulations indemnity)

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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