Search Indemnity

No Search Indemnity Insurance


In the light of closures and problems with working practices and processes, we are beginning to see cases where local searches have been applied for but have not been received and the parties need to exchange contracts. We can arrange cover for exactly those circumstances, in respect of both Residential and Commercial Properties, very quickly and cost-effectively.

In what circumstances is cover required?

A number of different types of Search indemnities are available from a variety of insurers.

Cover is available where a Property is being purchased and one or more official searches, being a Local Land Charges Search, Local Authority Search, Drainage and Water Search, Coal or Mining, Environmental or Chancel Searches are not being applied for or have been applied for but the results will not be available in time to complete a transaction.  Cover can also be provided for the situation where searches were carried out in the last two years but during a re-finance, the lenders ask for more up-to-date searches.

Insurance can be arranged to cover you for any adverse search entries that may have arisen at that time which cause a detriment to your property value.

Cover is not only available to mortgagees, but it can also include cover for the owners/purchasers of the property.

Product Features:

Risks covered: adverse difference in market value, cost of settling out of court and other costs and expenses arising out of matters that would have been revealed had the searches been undertaken or received prior to completion of a transaction.

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)
  • Details of the searches for which cover is required
  • Type of cover, i.e. no search, search delay or search validation


For further information about Search Indemnity Insurance or to get a quote, call our team on 0345 557 0845  or 01293 880700 or email us at or use the online chat at the bottom right of the page.