Planning & constraints

What is indemnity insurance for missing consent?

Cheap cover for enforcement risk; it doesn't make the work compliant.

Informational only — not legal or financial advice. For the specifics on a property, get OfferCheck.

Related questions

What's the difference between planning permission and building regs?

Planning = allowed to build; building regs = built safely, evidenced by a completion certificate. You need both.

The extension has no building regs paperwork — problem?

Possibly; options are indemnity (risk cover), regularisation (proper fix), or a Lawful Development Certificate.

Can the council make me demolish unauthorised work?

Only within the enforcement window (generally 10 years for post-Apr-2024 breaches in England).

Will nearby development affect my value/view?

Check pending applications nearby; large schemes can affect outlook and parking.

Can I convert to an HMO in an Article 4 area?

Not under permitted development — you'd need planning permission, which may be refused. Check before buying.

Does Article 4 stop me extending?

Only if the direction covers extensions — read its scope; many target HMO use.