Wills and Probate Insurance

This policy protects you if a beneficiary comes forward after the estate has already been distributed.

It covers:

• Legal defence costs

• Costs or damages awarded against you

• Settlement amounts payable to the beneficiary

• Additional expenses (with insurer approval)

👉 Note: This policy replaces further research. It will not cover attempts to find the beneficiary after the policy starts.

If you distribute an estate under intestacy and a valid will later appears, this policy can protect you.

It includes:

• Legal costs for defending a claim

• Compensation or damages awarded

• Payments due to rightful beneficiaries

• Additional expenses with approval

👉 Note: This is an alternative to will searches. It does not cover searches started after the policy begins.

Sometimes, executors want to distribute an estate before the six-month waiting period ends. This policy covers claims under the Inheritance (Provision for Family and Dependants) Act 1975.

Coverage includes:

• Legal defence costs

• Damages or costs awarded

• Settlement payments

• Other agreed expenses

When someone applies to manage another person’s financial affairs, the Court of Protection may require a bond. This bond guarantees the applicant will act responsibly.

It covers:

• Any amount claimed by the court

• Related legal and administrative costs

If a share certificate goes missing, a registrar may require insurance before issuing a duplicate. This policy protects against future claims if the original resurfaces.

It provides:

• Indemnity for losses related to the missing certificate

In Scotland, administrators of estates without a will often need to provide a Bond of Caution. This guarantees the estate will be distributed legally.

It ensures:

• That all assets are handled and shared according to law

When a property becomes empty during probate, standard home insurance usually becomes invalid. This policy provides temporary cover.

Key features:

• Up to £1 million for building cover and £10,000 for contents

• No inspection required before starting the policy

• Choose from 3, 6, 9, or 12 months of cover

• Refunds available if the property is sold sooner

• Quick application process—cover can often start within an hour