Legal indemnity insurance · Property defect & title cover · 0208 909 2899
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Don't let a title defect derail your property deal

Legal indemnity insurance protects property buyers, sellers and lenders against financial loss from defects in title, planning irregularities, restrictive covenants and missing documentation. It's often the fastest and most cost-effective way to resolve issues that would otherwise delay or collapse a transaction.

Get a legal indemnity quote

Who we cover

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Conveyancing Solicitors

Protect your practice and clients with tailored indemnity cover for title issues and conveyancing risks.

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Property Developers

Accelerate transactions and mitigate development risks with rapid policy issuance and wide cover scope.

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Mortgage Lenders

Satisfy lending security requirements with indemnity cover that resolves title issues efficiently.

What we cover

Absent Landlord

Cover against liability where freeholds are required and landlords cannot be located or traced.

Restrictive Covenants

Protection against breach of restrictive covenants affecting property use or future development.

Missing Permissions

Cover for absence of planning permission, building regulation consent, or other authorisations.

Chancel Repair Liability

Indemnity against historic chancel repair obligations that could affect the property.

Defective Title

Protection where title documents are missing, damaged, or have defects affecting ownership.

Search Indemnity

Cover for missing or defective search results that fail to reveal potential encumbrances.

Why choose Forum

Same-Day Policies

Rapid quotes and policy issuance to keep transactions moving and meet urgent deadlines.

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Wide Panel

Access to leading specialist underwriters and facilities with broad scope and competitive premiums.

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Competitive Premiums

Best rates negotiated for you across all cover types and property values from experienced brokers.

Claims Support

Expert guidance and support throughout the claims process to ensure swift resolution.

Frequently asked questions

What does legal indemnity insurance cover? +
Legal indemnity insurance protects against financial loss from title defects, missing planning permissions, restrictive covenants, absent landlords, chancel repair liability, access rights issues and defective property documentation. It's tailored to the specific risk affecting your property transaction.
Who pays for the insurance? +
The party responsible for the title defect typically pays the premium – often the seller in a purchase transaction. However, this can be negotiated between buyers and sellers. In some cases, lenders or developers may arrange cover for their own protection.
How long does the cover last? +
Most legal indemnity policies provide permanent cover for the named insured, though cover can be transferred to future owners. Some policies have date limitations depending on the risk insured. We advise on the appropriate term when providing your quote.
Is it a one-off premium? +
Yes. Legal indemnity insurance is purchased as a one-off premium, usually at completion or shortly before. There are no recurring annual premiums – you pay once and have permanent protection against the insured risk.
What are common uses for legal indemnity insurance? +
Common uses include: resolving missing planning permission issues, covering restrictive covenant breaches, protecting against absent landlord claims, covering defective title documentation, indemnifying against missing building regulation approvals, and protecting lenders' security interests during property transactions.

Client reviews

★★★★★
"Forum provided exceptional service on our indemnity quote. Fast, professional, and they explained everything clearly. Highly recommended."
Sarah M., Conveyancing Solicitor
★★★★★
"We needed indemnity cover urgently and Forum delivered same-day quotes and binding authority. Saved our transaction."
James T., Property Developer
★★★★★
"Best rates we've found on legal indemnity. Their panel of underwriters is genuinely competitive across all risk types."
Emma W., Mortgage Broker

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
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