Groundsure Home Environmental Liability Policy – FAQs


How much will the policy cost?

The cost of the policy when ordered with a residential environmental search from Groundsure will be £50. This is made up of £30 insurance policy premium, £2.85 IPT and £17.15 insurance handling fee.


Can I get environmental insurance after purchasing a residential environmental search?

Yes. We may be able to provide you with a policy after you have acquired a residential environmental search either from Groundsure or another provider depending on whether the search identifies potential environmental liability issues, how significant these are and / or if there are other material facts. The cost of such a policy (if available) will be more expensive than purchasing the HELP at the same time as the Groundsure environmental search. The price will reflect the significance of any environmental liability issues identified in the environmental search report and / or other material facts.

Groundsure and Building and Land Guarantees Ltd will advise you whether insurance may be available in such circumstances.


Are there circumstances where the insurance may not be available when purchasing after an environmental search?

Yes. We do not guarantee the availability of environmental insurance if you have already acquired an environmental search that identifies potential environmental liabilities of concern or where there may be other material facts.

Groundsure and Building and Land Guarantees Ltd will advise you whether insurance may be available in such circumstances.


What is the policy cover?

The policy provides cover for costs and expenses incurred in complying with (or preventing issue of) a statutory clean up notice under Part 2A of the Environmental Protection Act 1990 arising from historical contaminated land identified at the property. This includes remediation costs, legal defence expenses and any residual reduction in the market value of the property in accordance with the terms and conditions of the policy.


How long will my policy run for?

15 years for the policyholder, and for any lender the full term of any mortgage or charge.


How do I make a claim?

You need to provide details of any potential claim by contacting the Claims Manager at Countrywide Legal Indemnities, St Crispins, Duke Street, Norwich, NR3 1PD or telephoning on (01603) 617 617.


Are changes in Part 2A legislation covered during the policy period?

Groundsure Ltd is an Appointed Representative of Ten Insurance Services Ltd which is authorised and regulated by the Financial Services Authority

Yes – amendments to Part 2A of the Environmental Protection Act 1990, including statutory modifications and re‐enactments, are automatically covered.


What is a ‘material fact’?

A material fact is one which is likely to influence our assessment and acceptance of the risk proposed. It is important that you and all parties in the transaction advise us of any material facts.If you are in doubt as to whether a fact is material, please contact us via: insurance@groundsure.com and we will raise this with the insurers. Failure to disclose material facts could invalidate the policy. If there are any changes in circumstances that arise before or after cover commences, please provide us with the details.


What if the property owner does some future work to the property e.g. an extension / conservatory? Would this be covered if it leads to a claim under Part 2A of the Environmental Protection Act 1990?

No, future works are not automatically covered, because the policy covers the continued use of the private dwelling as in existence when cover commences. Any future building work may necessitate a planning application, which, in turn, could prompt local authority considerations with regard to historical ground contamination.

Any future works without the Insurer’s knowledge would be deemed ‘an act….of the Insured’ if this resulted in a claim and would invalidate the insurance. However, consideration can be given to extending the policy if requested, but the nature of the proposed works and overall circumstances at that time would need to be considered by the Insurer.


My solicitor has written to the Local Authority and they have advised that my property is on the Contaminated Land Register, can it still be insured?

Generally, where a property has been identified by the Local Authority and included on the Contaminated Land Register, then cover is unlikely to be available. If full details can be provided, along with copies of the correspondence, then Insurers may still consider providing cover.


My property value exceeds the policy limit of £1,000,000, what can I do?

For properties which exceed the policy limit of £1,000,000 cover may still be available. In these circumstances the property will be reviewed individually by Building and Land Guarantees Ltd on (0116) 257 0111 and a quotation provided.

 


Get the full Groundsure Home Environmental Liability Insurance low-down:

Environmental Insurance

Key Facts

FAQ

Terms of Business Agreement

Policy Summary (download)

Demands and Needs statement (download)


Groundsure Ltd is an Appointed Representative of Ten Insurance Services Ltd which is authorised and regulated by the Financial Services Authority