We often receive enquiries where we are being asked to cover a single property against several risks, which is why we already offer a huge number of combined covers, where the wordings of each policy complement each other. Not only does this save you having to obtain multiple quotes for the same property, but the cost of a combined policy is also less than the total of individual covers.
Some providers are happy to combine any mix of policies, but they can be incompatible and the resultant wording can be complex and confusing for the policyholder. We think the policy wording must be clear, and for these situations, when perhaps two covers are mismatched, we take a different approach, offering separate policies but, most importantly, still with the benefit of a ‘combined covers’ discount.
And unlike our competitors, who often rely on generic wordings, our policy wordings are specific to the defect(s) covered. Our IPID outlines summarises the multiple risks covered provided, which makes things clear for your client, and helps you comply with your regulatory responsibilities.
And at Isis these are all available via our online service, ICON, where you can obtain quotes for over 90 combined covers, including:
- Planning permission, Building Regulations, and Restrictive Covenants
- Building Regulations, Restrictive Covenants and Outstanding Rights/Easements
- Breach of Planning and section 52 or 106 Agreement conditions
- Restrictive Covenants and Mining/Mineral Rights
- Access and Services risks (including septic tanks)
- Adoption of Road and Sewer (no section 38 and 104 agreements)
- Absent Landlord and Good Leasehold Title
- Maisonette/Flat and Contingent Buildings Insurance
- No Search and Chancel Repair
- Rent charge (historic), Restrictive Covenants and Outstanding Rights (including mining)
And we have recently added these new combinations:
- Listed Buildings, Building Regulations and Restrictive Covenants
- Planning and Restrictive Covenants
- Adverse Possession and Flying Freehold
- Services and Outstanding Rights.
If you can’t find what you want online, give us a call, and even if there is no standard combined cover, we will still apply a similar discount to the cost of the individual policies.
For your next combined quote, use ICON, our online service, at isis-icon.co.uk, talk to one of our expert underwriters on 01603 761515 or email enquiries@isisconveyancing.co.uk.