You’ve found the perfect property, your offer has been accepted, you’ve applied for a mortgage, arranged a survey and instructed a solicitor.

At this point, you might have paid hundreds if not thousands of pounds in fees and then the worst happens… the sale falls through.

There are lots of reasons why this can happen:

  • Gazumping – someone else comes in with a higher offer
  • The seller decides to take the property off the market
  • The mortgage lender’s valuation is lower than the offer

Cover up to £2,250

Conveyancing & search fees up to £1,500
Survey & valuation fees up to £500
Mortgage arrangement fees up to £250

The legal bit…

You can read our summary here, but as it does not describe all the terms and conditions of this policy, we’ve included the policy documents below, so you completely understand the cover it provides.

You’re covered for up to six months (182 days to be precise) from when you take out the policy.

Your cover starts from the moment you have bought the policy, which must be within 7 days of your offer for the property being formally accepted, in writing, by the seller.

Your cover will only end at the end of the policy or if you claim, complete or cancel.


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Significant Exclusions or Limitations –

  • The policy does not cover costs and expenses incurred prior to the inception date
  • If you are aware of a previous survey of the property which may lead to an insured event
  • If you decide to withdraw from the purchase of the property, unless the reason is covered by an insured event
  • If an insured event occurs due to a deliberate act by you
  • If they can be reclaimed from or refunded by another party


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If you decide for any reason that this isn’t right for you, then you can get a full refund within 14 days of purchase, as long as no claims are outstanding.


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