Legal indemnity insurance from the UK's leading title insurer. Over 150 policies, ordered in three simple steps.
Quick Summary
- Specialist title insurance with over 30 years' experience
- Over 150 legal indemnity policies available
- Authorised by the PRA, regulated by the FCA
KEY BENEFITS
WHAT'S INCLUDED
Chancel Repair Liability
Cover where an investigation identifies a potential chancel repair liability, as well as low-cost block policies where no chancel repair search has been carried out. Policies are in perpetuity and protect the insured, their mortgagees, and successors in title.
Bespoke Underwriting
For risks that fall outside the standard policy range, Stewart Title's underwriting team can assess the situation and provide tailored cover. This includes complex commercial matters, unusual title histories, and high-value transactions.
Commercial Policies
A full range of cover for commercial transactions, including rights to light, pre-planning cover, and block policies to facilitate multi-property transfers or portfolio refinances.
Defective Title Insurance
Cover for a comprehensive range of title defects including missing deeds, possessory title, breaks in the chain of title, and unknown third-party interests. Policies protect the insured, their lender, and successors in title.
MORE DETAIL
Title defects, missing documents, restrictive covenants, and planning irregularities are a reality of conveyancing. When a defect is identified, it can stall a transaction for weeks while the issue is investigated or resolved. In many cases, the most practical and cost-effective solution is a legal indemnity policy that allows the transaction to proceed while protecting the buyer, lender, and their successors in title against future loss.
Stewart Title Limited is a specialist title insurance company with over 30 years of experience in the UK market. A wholly owned subsidiary of Stewart Title Guaranty Company, they are authorised by the Prudential Regulation Authority and regulated by both the FCA and PRA. Their underwriting team has extensive experience working in legal firms dealing with real estate matters, giving them a practical understanding of the issues conveyancers face day to day. Stewart Title covers the full range of everyday defects encountered in conveyancing, including defective title, restrictive covenants, chancel repair liability, fraud, missing documents, lack of building regulation consent, absent landlord, rights of way, and search-related risks. Their online ordering platform, Stewart Solution, offers over 150 individual legal indemnity policies with cover available up to £5,000,000, and multiple risks can be combined within a single quote at a discounted premium.
FAQs
What kinds of title defects can Stewart Title cover?
Stewart Title covers the full range of everyday conveyancing defects, including defective title, restrictive covenants, chancel repair liability, missing documents, lack of building regulation consent, absent landlord, rights of way, fraud, and search-related risks. If your specific risk is not covered by a standard policy, their underwriters can assess whether bespoke cover is available.
How quickly can I get a policy?
Standard policies ordered through Stewart Solution are available in three simple steps and can be issued the same day. Bespoke policies that require underwriting assessment may take longer depending on the complexity of the risk, but Stewart Title's team is experienced in turning these around efficiently.
How long does a Stewart Title policy last?
Most policies are issued in perpetuity, meaning they protect the insured, their lender, and any successors in title for as long as they have an interest in the property. Cover is provided for a one-time premium with no ongoing fees.
Can I combine multiple risks into one policy?
Yes. Stewart Solution allows you to combine multiple risks within a single quote, and a combined premium discount is applied. This is particularly useful on transactions where several minor defects have been identified.