Westcor International Quote Request

Quote Request
- Your Contact Details
  
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- Email (required)
  
  Confirmation EmailWe need this to be able to send you a copy of this request and any relevant quotation documents
- Phone Number (optional)
  
  Area CodePhone Number
- Important
  
  1. This is a proposal for a contract of insurance, in which ‘proposer’ or ‘you/your’ means the individual, company, partnership, limited liability partnership, organisation or association proposing cover.
  
  2. All questions must be answered to enable a quotation to be given but completion does not bind you or the insurer to enter into any contract of insurance. Please use the space provided in Section 6 for any relevant information that you consider might be necessary to support the proposal.
  
  3. All facts material to the proposed insurance must be disclosed, fully and truthfully to the best of your knowledge and belief. Failure to do so may make the contract of insurance voidable or severely prejudice your rights in the event of a claim. A material fact is one likely to influence the insurer’s assessment or acceptance of the proposal; if you are uncertain what may be a material fact, you should consult the underwriter at Westcor International Limited or WIL Speciality Insurance Limited.
  
  4. You will be provided with a specimen copy of the proposed policy wording based on the information provided in the proposal form and are asked to consider carefully the terms, conditions, limitations and exclusions applicable to the cover.
- Property Address
  
  Street Address
  
  Street Address Line 2
  
  CityState / Province
  
  Post Code / Eircode
- Country
- Current Use of property
  
  Other
- Details of the proposed insured (and/or the lender if these are to be noted on the policy
- Details of any proposed development (and in particular what is to be built on any burdened areas) or confirmation of the current use and that no change of use is intended
- If an application for planning permission has been made, the planning application number and confirmation that there have been no objections to the planning application on title grounds. Please ensure that the planning objections have been specifically checked by the solicitor with the Local Authority and that the responses are appropriate; responses such as “insofar as we are aware” are not acceptable.
- The developed value or sale price of the property (or capital expenditure for a renewable energy project)
- Renewable Energy
- If this transaction relates to a renewable energy project please detail the project type, number of units to be installed.
- Please select the Type of Cover that you require:
- Please provide the following:
- 3.1.1.1 Please provide a note of the specific burdens or other restrictions which are being breached and details of the deeds in which they have been created
- 3.1.1.2 Please provide confirmation that the property has been used in breach of the restrictive covenants or other restrictions for in excess of 1 year and if so then please state the number of years
- 3.1.2.1 Please provide a note of the specific burdens or other restrictions which will be breached, details of the manner in which they will be breached and details of the deeds in which they have been created
- 3.1.3.1 If none of the above please provide a written description of the risk in the box below and upload any relevant plans and documents
- 3.1.3.1.1 Please upload any relevant files
  
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- Please provide the following:
- 3.2.1.1 A brief description of the financial obligation including the date on which it was created and/or registered
- 3.2.1.2 Confirmation that no attempts have been made to obtain a discharge of the financial obligations or details of any attempts which have been made to date
- 3.2.1.3 Evidence if available to suggest that the financial obligations may have been satisfied but no discharge has been obtained
- Please provide the following:
- 3.2.2.1 A brief description of the financial obligation including the date on which it was created and/or registered
- 3.2.2.2 Any information which suggests that the financial obligations may not attach to the property
- Please provide or confirm the following:
- 3.2.3.1 Whether the transfer is historic or current:
- 3.2.3.2 Upload an affidavit or declaration of solvency from the transferor
  
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- 3.2.3.3 A note of the reasons for the transfer at undervalue or for no consideration
- 3.2.3.4 If none of the above, please provide a written description of the risk in the box below and upload any relevant plans and documents.
- 3.2.3.4.1 Upload any relevant plans and documents.
  
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- Please select the risk(s) to be covered from the list below:
- Please upload or confirm that the following will be provided prior to policy inception:
- 3.3.1.1 A note of the type of right to be covered and a plan showing the property edged in red and the area over which the rights are exercised shaded in blue
- 3.3.1.2 Any other relevant plans, searches or documents relating to the area shaded in blue
- 3.3.1.3 A statutory declaration/affidavit of the owner/occupier confirming continuous, open and unchallenged use of the rights
- 3.3.1.3.F Upload any files relevant to this section
  
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- Please upload or confirm that the following will be provided prior to policy inception:
- 3.3.2.1 A note of the type of right to be covered and a plan showing the property edged in red and the area over which the rights are exercised shaded in blue
- 3.3.2.2 Details of deeds if any in which the rights have been granted and an extract of the wording of the grant
- 3.3.2.3 A statutory declaration/affidavit of the owner/occupier confirming continuous, open and unchallenged use of the rights
- 3.3.2.3.F Upload any files relevant to this section
  
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- Please upload or confirm that the following will be provided prior to policy inception:
- 3.3.3.1 A plan showing the property edged in red and the area over which the rights are exercised shaded in blue
- 3.3.3.1a
  
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- 3.3.3.2 Any other relevant plans, searches or documents relating to the area shaded in blue
- 3.3.3.3 If none of the above please provide a written description of the risk in the box below and upload any relevant plans and documents.
- 3.3.3.3.1 Upload any files relevant to this section
  
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- 3.3.4 Please confirm the following and upload any relevant documents & plans:
- 3.3.4.1 That there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the title defect.
- 3.3.4.1 Confirmation that there are no known competing registered titles to any part of the area shaded blue or alternatively details of and registered titles to this area
- 3.3.4.2 Where the rights are currently being exercised and a statutory declaration is to follow or is unavailable please state the number of years that these rights have been exercised:
- 3.3.4.0.1 Upload any files relevant to this section
  
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- Please select the risk(s) to be covered from the list below:
- Please upload or confirm that the following will be provided prior to policy inception:
- 3.4.1.1 A plan showing the property edged in red and the area to which there is no paper title shaded in blue
- 3.4.1.2 Any other relevant plans, searches or documents relating to the area to which there is no paper title
- 3.4.1.F Upload any files relevant to this section
  
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- Please upload or confirm that the following will be provided prior to policy inception:
- 3.4.2.1 . A note of the specific links in title which are missing or a note of the specific drafting error relating the historic deeds with details of the names and parties to the relevant deeds
- 3.4.2.2 . A plan showing the extent of the property edged in red
- 3.4.2.F Upload any files relevant to this section
  
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- Please upload or confirm that the following will be provided prior to policy inception:
- 3.4.3.1 A note of the specific reason for the inability to confirm the extent of the title together with details of any relevant plans or deeds
- 3.4.3.2 . A plan showing the extent of the property edged in red
- 3.4.3.3 If none of the above please provide a written description of the risk in the box below and upload any relevant plans and documents
- 3.4.3.F Upload any files relevant to this section
  
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- 3.4.4 Please confirm the following and upload any relevant documents & plans:
- 3.4.4.1 The number of years that the property has been occupied:
- 3.4.4.2 . A statutory declaration/ affidavit confirming exclusive, unchallenged and continuous possession of the property by the seller/borrower/tenant or owner for a period in excess of 1 year
- 3.4.4.3 . That there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the title defect
- 3.4.4.4 . That there are no known competing registered titles to any part of the property or details of any competing registered interest
- 3.4.4.F Upload any files relevant to this section
  
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- Please select the risk(s) to be covered from the list below:
- 3.5.1.1 Confirmation that the lease was created more than 5 years from the application date and there have been no demands for rent from any third parties to date or alternatively when rent was last paid to a third party.
- 3.5.1.2 Copies of any available search reports which may indicate the last known whereabouts of the landlord
- 3.5.1.F Upload any files relevant to this section
  
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- 3.5.2 Please confirm the following and make any relevant notes:
- 3.5.2.1 The remaining lease term, and that the tenant/sub-tenant has not attempted to re-enter the property since it was vacated
- 3.5.2.2 The value of any rent outstanding to date:
- 3.5.2.3 The property was vacated for in excess of 1 year and the reasons why the property was vacated .
- 3.5.2.4 Reason for property being vacated
- Please confirm the following and upload any relevant documents & plans:
- 3.5.3.1 Details of the drafting error
- 3.5.3.2 Confirmation that no attempts have been made to rectify the drafting defect to date .
- 3.5.4.1 Please provide a copy of the title document if available or the title number:
- 3.5.4.2 Title Document upload
  
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- 3.5.5.1 Details of the headlease (including tenant identity, term of the lease and rent payable)
- 3.5.5.2 Please confirm that the current sub-tenant/underlessee is not on notice of any breaches by the tenant of the headlease and of the terms of the headlease
- 3.5.5.3 If none of the above please provide a written description of the risk in the box below and upload any relevant plans and documents
- 3.5.6 Please confirm that there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the title defect
- 3.6.1.1 Provide details of the nature of the breach and when this occurred:
- 3.6.1.2 Confirm that there has been no enforcement action to date and that no approaches have been made to the Local Authority in relation to the breach whether for retrospective consent or otherwise
- 3.6.1.3 Confirm that no future works are contemplated to the affected part of the building so as to require further consents in relation thereto
- 3.6.2.1 Provide a note of the specific departure from the terms of the planning permission which is to be covered or upload the relevant document.
- 3.6.2.1.a Upload relevant documents
  
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- 3.6.2.2 Details of when the departure/breach occurred
- Please confirm the following and upload any relevant documents & plans:
- 3.6.3.1 The application for planning permission (and where applicable, conservation area consent or listed building consent) and supporting documents
- 3.6.3.2 A copy of the EIA Screening Opinion issued by the local planning authority, alternatively a copy of the EIA or confirmation that in terms of the EIA Regulations, no EIA screening opinion or EIA was necessary
- 3.6.3.3 The planning history of the property
- 3.6.3.4 Public consultation responses and objection letters
- 3.6.3.5 Copy press reports relating to the planning application
- 3.6.3.6 Statutory consultation responses and objections
- 3.6.3.7 Reports and recommendations prepared by the planning department of the local planning authority for consideration under officer delegated authority or for consideration by a planning or other standing committee;
- 3.6.3.8 The signed delegated authority for grant of planning permission, or minutes of the resolution to grant planning permission by the planning committee
- 3.6.3.9 The draft and in due course final completed s 106/ s 75 agreement
- 3.6.3.10 The issued grant of planning permission
- 3.6.3.11 Confirmation that the proposer is not aware of any third party having indicated any intention to consider applying for judicial review
- 3.6.3.12 Any other agreement (or proposed agreement) entered into with the local authority in relation to the property
- 3.6.3.13 For EIA Development, confirmation from the local planning authority of how it proposes to publicise the grant of planning permission.
- 3.6.3.F Upload any files relevant to this section
  
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- 3.6.4.1 Details of why the relevant certification/insurance has not been obtained
- 3.6.4.2 Confirm that a full structural survey of the property does not disclose any adverse entries
- 3.6.4.3 Confirm when the property was constructed
- 3.6.4.4 Confirm that all the necessary buildings regulations and completion certificates have been issued
- 3.6.4.5 Confirm that the use of the property is residential and no change of use is intended
- Please provide a written description of the risk in the box below and upload any relevant plans and documents
- 3.6.6 Confirm that there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the defect.
- 3.6.7 Upload copies of any relevant Local Authority Search reports
- 3.6.7.1Relevant Local Authority Search reports
  
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- Please select the risk(s) to be covered from the list below:
- 3.7.1.1 Confirm that the searches do not disclose any enforcement action
- 3.7.1.1a Upload copies of the historic search reports
  
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- Please provide the following:
- 3.7.2.1 Details of the reasons for no searches having been obtained
- 3.7.2.2 Confirm that none of the parties involved in this transaction are aware of any enforcement action by any authorities which would have issued the searches
- 3.7.3.1 Confirm that the parties to the transaction are not on notice of any specific reason why the searches may be defective
- 3.7.3.2 If information is missing from the registers which render the searches incomplete please provide further details of the missing records and the reasons why they are missing
- 3.7.4.1 Please provide a written description of the risk in the box below and upload any relevant plans and documents
- 3.7.5 Confirm that there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the title defect
- Please select the risk(s) to be covered from the list below:
- 3.8.1.1 Please upload a plan showing the property edged in red and, if relevant, the area which is burdened by the rights shaded in blue
  
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- 3.8.1.2 Confirm that the property owner has confirmed in writing that no rights are currently being exercised and the length of time they have not been exercised or that due to the nature of the rights it is impossible to confirm this
- 3.8.2.1 Upload a plan showing the property edged in red, if relevant the area which is burdened by the rights shaded in blue and any new routes for the exercise of the rights shaded in green
  
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- 3.8.2.2 Details of the extent to which it is anticipated that the rights will be impacted upon including any works required to be undertaken in relation to this and the time frame for completion of the works
- 3.8.3.1 Provide a written description of the risk in the box below
- Upload any relevant plans and documents
  
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- 3.8.4 Confirm that there have been no approaches by any parties involved in the transaction or their agents to any third parties in relation to the title defect
- 3.8.5 Upload copies of Coal Authority, Minerals, Rights of Light and other reports, if relevant, which indicate the rights are unlikely to be exercised in future
  
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- Please confirm whether cover is required for any of the following consequential losses:
- Annual actual or anticipated profits
- Annual actual or anticipated rental income
- Anticipated removal, reinstatement and fit out costs
- Please confirm any other relevant information such as whether insurance has been declined by another provider
- In order to submit a Proposal, we require you to view and agree to the following terms and conditions:
  - Data Protection Act 2018 Consent to Use of Information
  - Our Terms & Conditions
- Data Protection Act 2018 and General Data Protection Regulations (GDPR) 2016
- Data Protection Act 2018 and General Data Protection Regulations (GDPR) 2016
  
  Consent to use of information
  The insurer will use the information provided herein to manage the insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, regulatory authorities or to the insurer’s agents providing
  services on their behalf.
  
  In order to detect and prevent fraud, the insurer may at any time:
  
  1. Share information about the proposer and/or its partners, principals, directors, officers and/or employees with other organisations and public bodies including the Police;
  
  2. Check and/or file the proposer’s and/or its partner’s, principals’, directors’ and/or officers’ details with fraud prevention agencies and databases and if the insurer suspects fraud, the insurer will record this. The insurer and other organisations may also search these agencies and databases to:
  
  (a) Help make decisions about the provision and administration of insurance, credit and related services for the proposer, its partners, principals, directors and officers;
  (b) Trace debtors or beneficiaries, recover debt, prevent fraud and to manage the proposer’s accounts and insurance policies;
  (c) Check identities to prevent money laundering;
  
  3. Undertake credit searches and additional fraud searches where considered appropriate.
  
  The insurer can supply on request further details of the databases that they access or contribute to.
- Declaration
- By submitting this proposal form, I confirm that I am duly authorised and do give consent to the use of information as set out above. I also hereby declare that I am authorised to complete this proposal on behalf of the proposer. I undertake to inform the insurer of any material alteration or addition to these statements or particulars which occurs before the commencement of the period of insurance. It is hereby acknowledged and agreed that the terms conditions limitations and exclusions of the policy may be subject to alteration at any time prior to the commencement of the period of insurance should any such material alterations or additions arise. Submitting this proposal does not bind the insurer to offer nor the applicant to accept insurance.
- NOTICE TO THE PROPOSER
  
  The Insurance Policy Provider
  This policy is issued by Westcor International Limited or WIL Speciality Insurance Limited on behalf of the Insurer under a binding authority agreement.
  
  Westcor International Limited is registered in England and Wales with its registered office at First Floor, 24 King William Street, London, EC4R 9AT Westcor International Limited is authorised and regulated by the Financial Conduct Authority (FRN 791297).
  
  WIL Speciality Insurance Limited is registered in Ireland with its registered office at The Black Church, St. Mary’s Place, Dublin 7, DO7 P4AX. WIL Speciality Insurance Limited is authorised and regulated by the Central Bank of Ireland under Reference No. C188984.
  
  The Insurer
  The Insurer would either be XL Catlin Insurance Company UK Ltd who are authorised and regulated by the United Kingdom Prudential Regulatory Authority and authorised by the Financial Conduct Authority reference number 423308 or XL Insurance Company SE who are authorised and regulated by the Central Bank of Ireland reference number C173308.
  
  Prior to any placement being concluded, the proposer will be advised which insurer(s) is/are to write this contract of insurance.
  
  The Law of the Insurance Contract
  The parties to this proposed insurance agree that proposed contract will be governed by English law unless agreed otherwise with the insurer.
  
  General Enquiries
  If at any time you have any questions or concerns about completing the proposal form, your policy or the handling of a claim you should, in the first instance, contact enquiries@westcorintl.com with your query.
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