Defective Title Indemnity Insurance – Protecting Property Owners

Defective Title Indemnity Insurance provides protection against financial loss arising from issues with a property’s legal title. These defects may only come to light during conveyancing or refinancing, but they can significantly affect ownership, property value, mortgage approvals, and the ability to sell.

Legal Brokers Ltd works with leading UK insurers to arrange fast, reliable Defective Title Insurance for residential and commercial properties. Whether you are a homebuyer, property developer, solicitor, or lender, our team provides tailored indemnity solutions designed to keep transactions moving smoothly.

What Is Defective Title Indemnity Insurance?

Defective Title Insurance protects against problems or gaps in the legal ownership of a property, including:

• Missing or incomplete title deeds
• Errors or inconsistencies within deeds
• Issues from historical transfers
• Lack of evidence confirming ownership
• Unregistered land complications
• Incorrect property descriptions
• Gaps in the chain of ownership
• Fraudulent or unauthorised historic transfers
• Rights of Access
• Rights of Way
• Rights of Services
• If the Title Deeds are missing
• Or certain documents are not clearly understood

Why Do You Need Defective Title Insurance?

A legal title defect can cause:

• Conveyancing delays
• Mortgage lender refusal
• Difficulty selling
• Legal claims from third parties
• Costly litigation
• Reduced property value

Who Is Defective Title Indemnity Insurance For?

Suitable for:

• Residential buyers
• Commercial purchasers
• Remortgaging applicants
• Property developers
• Landowners
• Solicitors and conveyancers
• Mortgage lenders

What Does the Policy Cover?

Policies arranged through Legal Brokers Ltd typically include:

• Financial losses due to legal challenge
• Legal defence costs
• Costs to resolve or remedy the defect
• Loss of market value
• Costs resulting from enforcement or injunctions

Common Scenarios Where Defective Title Insurance Is Needed:

• Missing deeds or untraceable documentation
• Lender concerns requiring urgent cover
• Refinancing or equity release
• Land acquisition for development
• Uncertain historic ownership

Developer-Specific Title Insurance

We provide policies covering:

• Sites with unclear title history
• Unregistered land
• Historic defects found during due diligence
• Multiple plots or entire developments

Why Choose Legal Brokers Ltd?

• Instant quotations
• Lender-approved policies
• One-off premiums
• Residential & commercial solutions
• Expert advice and specialist support

How to Arrange Cover:

• Provide details of the defect
• We assess and liaise with underwriters
• You receive a competitive quote
• Policy issued immediately upon acceptance

There are a variety of risks associated with Defective Title Insurances and whilst some are easily defined, there may well be situations where we need to generate bespoke quotes to satisfy your needs.

Our online portal will allow solicitors and conveyancers to run quotes, upload documents, and will instantly forward draft policies, the policies themselves, and the invoices. At the same time the system has the flexibility to allow you to back date certain policies by upto 30 days.  

We can provide quotes to individuals, but the policies themselves need to be purchased by law firms.  

In the first instance please either call our team on 0345 603 0708 or email indemnities@legalbrokers.com.

Legal Brokers Ltd

Defective Title Indemnity Insurance