The Basic Info To Know About Indemnity Insurance For Properties

Posted on by convey_admin

Are you planning to purchase a property? Homebuyers might get a recommendation from their conveyancer to get indemnity insurance during the transaction process. This insurance policy aims to protect the homeowner should there be issues related to the property beyond their control. 

This article will discuss essential details you need to know if you decide to get indemnity insurance for the property you are eyeing.

On Coverage

Indemnity insurance provides protection to the persons who bought the property. When the homebuyer applies for a mortgage, it also protects the lender against any issue with said property. This protection also extends to their successors, should they plan to sell or give away the property in the future. 

In other words, the policy is attached to the property, which means that anyone who becomes its new owner automatically receives the protection. However, the new owner might need to pay for an additional premium if the house’s property value increases.

On Its Cost

Indemnity insurance is another separate expense besides the total cost of the house and land. There are also paperwork and processing to consider. If you plan to secure this policy, know that there is no one price for it. It all depends on what kind of protection you aim for and the total value of the property involved. Typically, the policy ranges from £20 to £300. It is also a one-off type of policy. 

On Who Should Pay for It

There has been a long debate about whether the seller or the new owner should pay for the insurance policy. The answer depends on what the parties negotiate. There are instances when the new owner might pay since they would benefit most from the situation, but there are also cases wherein the seller is responsible since they did not secure the policy before selling the house. If you are undecided, another option is to split the total fee between the two parties. 

On the Invalidity of the Indemnity Insurance 

Make sure that you read through the clauses of the policy before agreeing and signing to it. One of its clauses states that should the insured be responsible for revealing the problem to the third party. If this responsibility is violated, the insurance is null and void.  

For example, you know that your current house does not have the correct planning permission. To protect you from further problems, you secure yourself with indemnity insurance. But then later, you applied for retrospective permission, which is a subtle admission that the house needs correction, leading to the possible invalidation of your insurance. 

Conclusion

Indemnity insurance may be another expense for either the buyer or seller, but it provides protection for the family and future owners of the house. Once you and your conveyancer talk about it, do not hesitate to ask for further details of the concern. 

If you realise that the property issue cannot be fixed quickly, indemnity insurance is the best choice. Furthermore, should you proceed with acquiring this policy, make sure to arrange it with the best insurance provider.

Are you in need of a conveyancer in Manchester? Conveyancing Expert is your legal expert for concerns about transactions involving properties. We make sure that our client’s property transaction is completed with expert legal advice. Get your free conveyancing quote today. 

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