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Rights Of Light Insurance is a specialist policy designed to protect property developers primarily, but also home and business owners against potential legal claims related to the right of light. 

In UK property law, a ‘right of light’ is a legal right for a building to receive natural light through its windows. 

If a new build significantly obstructs the amount of light coming into a property, an affected property owner may have grounds to take legal action.  This can lead to expensive compensation claims, court injunctions or even possibly forced demolition of parts of the offending structure.

Rights Of Light Insurance provides financial protection against such risks, and a typical policy covers:

• Legal costs and compensation payouts

• Delays or changes required due to a successful claim

• Loss in property value

• Demolition or alteration expenses (if required by court)

This insurance is particularly useful in urban areas, where developments can often sit close to neighbouring properties, meaning that even a small reduction in light can trigger disputes. 

Rights Of Light Insurance is usually taken out before construction begins. If you’re not sure if you need Rights Of Light insurance, feel free to get in touch with one of our friendly team at Prizm Solutions.  

After a discussion, if you need a quote, we’ll ask you for full details of the project and a copy of a Rights of Light survey (including Equivalent First Zone Losses) for the project. 

At Prizm, we can help with many other property related insurances, including Contractors All Risk Insurance, Landlords (Property Owners) Insurance and Renovation & Property Conversion Insurance.  We’d love to help, just give us a call.