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Restrictive Covenant Insurance

Insurance products can only be purchased by individuals who are FCA regulated. If you are a member of the public, we recommend speaking to your solicitor.

Restrictive covenant insurance protects your client from potential legal action if they unknowingly breach an existing restrictive covenant.

A restrictive covenant is a legal obligation attached to a property’s title that limits how the land or buildings can be used. For example, restrictions on extending a property, running a business from home, or altering its appearance.

Only FCA-regulated people can purchase this insurance, and we recommend doing so via a solicitor.

Placing your first order with us?
find out
how to open an account or register to pay by card. Alternatively call our customer service team on 0115 971 3550.

Prices start from
£ 46
00
  • for the minimum level of cover

Product summary

Restrictive covenant insurance protects your client if another person attempts to enforce restrictive covenants that affect your property.

Report created by

Arranged by Severn Trent Searches and provided by CLS Property Insight Ltd.

Cover for the following losses incurred:

  • Damage, compensation, costs and/or expenses (but not fines or other penalties) which your client must pay because of a court order
  • The amount by which the value of the property is reduced by the effect of a court order
  • Any other costs and expenses your client incurs with the insurer’s written consent because of an insured risk

The Insurer can refuse to pay a loss or reduce any payment for the loss because:

  • Your client confirmed a statement of fact that which you knew or could reasonably have been expected to know was not true; and/or
  • Your client made a claim knowing that it is false or fraudulent; and/or
  • Your client disclosed that this policy exists for another person who is not a potential property purchaser, their mortgage lender, or their legal advisers
Additional exclusion(s) are contained in the insured risk appendix of the sample (on the downloads tab).

Restrictive Covenant Insurance Prices

LIMIT OF INDEMNITY (up to and including)PREMIUM (including IPT)LIMIT OF INDEMNITY (up to and including)PREMIUM (including IPT)
£75,000£46.00£600,000£132.00
£100,000£52.00£650,000£143.00
£125,000£59.00£700,000£154.00
£150,000£65.00£750,000£165.00
£175,000£72.00£1,000,000£220.00
£200,000£79.00£1,125,000£275.00
£250,000£79.00£1,500,000£330.00
£300,000£79.00£1,750,000£385.00
£350,000£79.00£2,000,000£440.00
£400,000£88.00£2,250,000£495.00
£450,000£99.00£2,500,000£550.00
£500,000£110.00£2,750,000£605.00
£550,000£121.00£3,000,000£660.00
Restrictive Covenant Insurance Sample
Restrictive Covenant Insurance Sample
Restrictive Covenant Insurance Prices
Restrictive Covenant Insurance Prices

ChancelSure insurance

Cost-effective solution for properties where there is a potential liability for chancel repair.

No chancel search insurance

Safeguards against chancel repair liability where a chancel screening report has not been purchased.

No Search and Search Delay Insurance

Offers protection from adverse effects if local authority, drainage, environmental, or other conveyancing searches are not conducted or are delayed.

Product summary

Restrictive covenant insurance protects your client if another person attempts to enforce restrictive covenants that affect your property.

Report created by

Arranged by Severn Trent Searches and provided by CLS Property Insight Ltd.

What it includes

  • Damage, compensation, costs and/or expenses (but not fines or other penalties) which your client must pay because of a court order
  • The amount by which the value of the property is reduced by the effect of a court order
  • Any other costs and expenses your client incurs with the insurer’s written consent because of an insured risk

What it doesn't include

  • Your client confirmed a statement of fact that which you knew or could reasonably have been expected to know was not true; and/or
  • Your client made a claim knowing that it is false or fraudulent; and/or
  • Your client disclosed that this policy exists for another person who is not a potential property purchaser, their mortgage lender, or their legal advisers

Restrictive Covenant Insurance Prices

LIMIT OF INDEMNITY (up to and including)PREMIUM (including IPT)LIMIT OF INDEMNITY (up to and including)PREMIUM (including IPT)
£75,000£46.00£600,000£132.00
£100,000£52.00£650,000£143.00
£125,000£59.00£700,000£154.00
£150,000£65.00£750,000£165.00
£175,000£72.00£1,000,000£220.00
£200,000£79.00£1,125,000£275.00
£250,000£79.00£1,500,000£330.00
£300,000£79.00£1,750,000£385.00
£350,000£79.00£2,000,000£440.00
£400,000£88.00£2,250,000£495.00
£450,000£99.00£2,500,000£550.00
£500,000£110.00£2,750,000£605.00
£550,000£121.00£3,000,000£660.00

Downloads

Restrictive Covenant Insurance Sample
Restrictive Covenant Insurance Sample
Restrictive Covenant Insurance Prices
Restrictive Covenant Insurance Prices

Related products

ChancelSure insurance

Cost-effective solution for properties where there is a potential liability for chancel repair.

No chancel search insurance

Safeguards against chancel repair liability where a chancel screening report has not been purchased.

No Search and Search Delay Insurance

Offers protection from adverse effects if local authority, drainage, environmental, or other conveyancing searches are not conducted or are delayed.

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