Product Overview

We can provide insurance solutions when you need to distribute an estate, but are concerned about the potential legal pitfalls and uncertainties, which may affect the process.

We have created tailored and innovative solutions to address even the most contentious cases. We are the only provider of a comprehensive insurance product, which includes missing beneficiary, missing will and will dispute cover, amongst 13 other potential risks, protecting both personal representatives and the beneficiaries of the estate.

Our probate policies can act as an alternative to going to court, avoiding the need for a costly and lengthy legal process. Insurance policies have been the go-to solution for the aggrieved party in numerous Professional Indemnity claim cases, where mistakes have been made in the drafting of a will.

Our policies protect and pay claims, which in a worst case scenario could mean paying out the whole value of the estate again, to an aggrieved party. The policy will also pay defence costs for those cases which need defending, as well as legal costs incurred. This is without recourse to innocent beneficiaries, who have already inherited, and their legal representatives.

We can also provide insurance for legal rights claims relating to missing children and claims from creditors that cannot be resolved. Whether distribution of an estate is held up because of a known dispute, or for peace of mind, please contact one of the team below.

What's Covered

We can provide you with insurance protection for various specific legal risks including:

  • Missing Beneficiary
  • Missing Will
  • Disputed ownership of household items
  • A challenge against the validity of the will
  • Financial claims from unknown creditors
  • Identity fraud
  • Proprietary Estoppel
  • Inheritance Act 1975 claims
  • Claims from charities
  • Unknown tax liabilities

Please ask for a copy of the policy wording for the full list of Insured Events.

What's Not Covered

The policy won’t cover:

  • Claims from beneficiaries named in a will (unless covered as a Specific Risk)
  • Claims from HMRC for unpaid inheritance tax and claims from a foreign tax authority
  • Claims from known creditors or persons we might reasonably think you should have made enquiry of before the estate is distributed i.e. heath care providers
  • Identity fraud claims from non-UK nationals.
  • The discovery of a will outside the UK.

Please ask for a copy of the policy wording for a full list of the Uninsured Matters.

How much does it cost?

Make An Enquiry

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Speak to the team

Kate Thorp

Manager – Inheritance & Estate Protection

T:+44 (0)207 337 8775 / M:+44 (0)7519129136

London

Email Kate

More about Kate

Kate Thorp

Manager – Inheritance & Estate Protection

London

Email Kate

T:+44 (0)207 337 8775 / M:+44 (0)7519129136

Kate is an experienced commercial underwriter and manager of DAU’s executor and inheritance team.

Kate was responsible for developing a comprehensive inheritance product which includes missing beneficiary, missing will and will dispute covers amongst 13 other risks. It is the only product of its kind in the market.

Kate also specialises in insuring contentious probate issues where the distribution is being held up because of a known dispute or issue. DUAL’s policies can be an alternative to going to court and have been the solution for the aggrieved party in numerous PI claim cases, where mistakes have been made in will drafting.

Kate has 20 years’ experience in legal indemnities and her knowledge and experience in both real estate and probate matters are a great asset to the DAU team.

Kelly Lines

Kelly Lines

Senior Underwriter

London

Email Kelly

+44 (0)7395 788 957

Kelly has been underwriting legal indemnity risks since 2005 when she first entered the market and she joined DUAL Asset Underwriting in 2014 as a Senior Underwriter with a predominant responsibility for UK risks.

Since then she has been heavily involved in underwriting and growing DUAL Asset Underwriting’s global title to share and real estate offering across the UK and Europe. Kelly works closely with both our M&A Real Estate clients and has recently underwritten a €2bn title to share and real estate deal whilst still taking a keen interest in English restrictive covenant risks.

Kelly is ACII qualified and a Chartered Insurer and was awarded the Crawford Prize in 2013 for her completion of the ACII with the best result nationally.

Trevor Barnett

Business Development Executive

+44 (0)783 417 8982

South West - England

Email Trevor

More about Trevor

Trevor Barnett

Business Development Executive

South West - England

Email Trevor

+44 (0)783 417 8982

Trevor enjoyed a 27 year career in residential mortgage lending holding a number of senior managerial & underwriting positions with several of the UK’s largest banks and building societies before joining First Title Insurance where he spent 4½ years as Business Development Executive.

Since joining DUAL Asset Underwriting in November 2015 Trevor has been responsible for developing relationships with law firms and regional brokers engaged in residential & commercial real estate transactions promoting our legal indemnity proposition with a particular focus on the unique online legal indemnities comparison site My Legal Indemnity Shop. Currently Trevor is also developing our residential business in Spain working closely with Abogados and brokers to raise the profile & awareness of available products & solutions.