Lack of Planning Permission Indemnity Insurance


Sometimes where building or alterations have taken place there is a Lack of Planning Permission. Most major building alterations or changes in use of a property require planning permission or confirmation that building regulations have been complied with. In some circumstances, the relevant permissions were not obtained or the relevant documentation has been lost or mislaid. The relevant permissions and certification will be required by a purchaser. In most cases an insurance can be provided avoiding the need to apply for retrospective permissions and documentation.

In what circumstances is cover required?

Where there is no evidence of compliance with planning /or building regulations or there is a lack of the required certification in respect of:

  • Extensions/additions/alterations carried out to the property
  • Conversions and/or alterations undertaken
  • New/replacement doors/windows having been installed (see also Fensa Indemnity)
  • Installation of a new or replacement boiler
  • Electrical alterations


See also Lack of Boiler/Electrical Installation Certificate

Product features:

Risks covered: loss of market value, damages and expenses arising in complying with any enforcement notice/proceedings served by the appropriate authority.

Information needed:

  • Property address
  • Property value (or developed value in the event that development is to take place)
  • Use of the Property (both current and intended (if a change of use or development is intended)
  • Office Copy entries and filed plan
  • Details of the works carried out and their date of completion
  • Details of the missing permissions/documents


For further information about building regulations/lack of planning indemnity insurance or to get a quote, call our team on 0345 557 0845  or 01293 880700 or email us at