Title insurance protects lenders or borrowers against losses arising from problems or defects with the ownership or legal title of a property.

Applying London & European’s title insurance products to a property transaction provides an added layer of security, as well as simplifying and speeding up the process - eliminating the need for a solicitor to carry out various aspects of the house-buying or remortgage process.

Title defects could already have been identified or could as yet be unknown. They can lay undiscovered for years and then rear their head when the property is subject to the conveyancing process. These defects might include:

Such defects – whether already known or lying undiscovered - can severely delay the completion of a transaction including a remortgage, despite the fact that searches will have already been done when the property was initially purchased. Not protecting against the possibility of these defects would put at risk the security of lenders’ assets and people’s homes.

London & European’s title insurance is a single premium indemnity policy, which absolutely guarantees that the title to a property is vested in the owner, free from defects and that the mortgage is valid, enforceable, and marketable and has the agreed priority.

Owner All Inclusive
Guarantees the value of a property against loss from title defects which could not have been identified through conveyancing, and which would normally fall to the property owner

London & European is the only title insurer in the market offering a 6 months ‘Cure or Pay’ guarantee: while it aims
to rectify problems with a title, it will pay the balance of the loan and accrued interest to lender if it is unable to solve
the problem within 6 months of the claim acceptance.

Summary benefits of London & European’s
Title Insurance