hello@prizmsolutions.co.uk
01827 313 931
Did you know?
A person’s right to light is protected under common law, adverse possession and in England and Wales by the Prescription Act 1832. We know this because we are experts in all types of property insurance and Right of Light Insurance is part of our portfolio of knowledge and expertise in this sector. We don’t expect our clients to be experts in insurance, that’s what we are here for, so our advice to property developers is to give us a call and we will be able to advise you on your legal obligations with regards to Right of Light Insurance and other insurance related ‘stuff’ that you may not be aware of.
According to RICS (the Royal Institution of Chartered Surveyors) a right to light may be acquired by ‘anyone who has had uninterrupted use of something over someone else’s land for 20 years without consent, openly and without threat, and without interruption for more than a year’. In your home, just over half the room should be lit by natural light and about half the room in a commercial building.
Recent case law relating to a commercial development in the centre of Leeds (HKRUK II v Heaney) has significantly changed the perceptions of risk associated with right to light. Furthermore, the Law Commission’s report, Rights to Light (2014) Law Com No 356 contains recommendations that will further improve the law relating to rights to light.
What will we need to give you a quote?
In order to obtain a quote all we will need from you will be full details of the project and sight of the Rights of Light survey (including Equivalent First Zone losses).
How much does Rights of Light insurance cost?
It depends on what the survey says, but it can be expensive, which is why we would recommend you work with us as we don’t take a commission of the premium, which will also reduce your Insurance Premium Tax expenditure too.
Why choose us for this type of insurance?
As premiums for this type of cover can be expensive – what makes us different from most brokers offering this type of insurance is that in most cases we don’t take a commission from the insurance companies for placing Rights of Light Insurance business with them.
Instead, we would rather work on a fee basis so that you can see our earnings, which we feel is more ethical, and our customers like our transparency.
Have a question?
Our team is
here to help!
One of our team will talk to you about your current circumstances in order to advise the best way forward. If you’d prefer to visit us at our offices in Tamworth, feel free to pop in! Just check our office hours on Google to make sure we’re open.
It’s a well-known fact that a business is more likely to be involved in a legal dispute than to experience any other type of insurance claim.
This is a very specialist type of insurance providing protection which isn’t available under any other type of insurance.
No, not at the moment. Each policy is specifically written for a single contract/project.
At Prizm, we primarily deal with DUAL, MX and Lloyds underwriters at the moment although the companies offering this insurance may change as the market changes.
If you need to make a claim on your insurance, you need to call your insurance broker or insurance company straight away.
If you have a policy with Prizm Solutions, then you simply call us.
As your broker, we are here to help – and we will provide you with all the contact numbers you need to deal with a claim when you take out the policy.
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Prizm Solutions Limited
First Floor
The White House
16/20 Church Street
Tamworth
B79 7DH
Prizm Solutions Ltd are authorised and regulated by the Financial Conduct Authority.
Prizm Solutions Ltd are registered in England and Wales, Registration Number: 05936749, Registered Address: First Floor, The White House, 16/20 Church Street, Tamworth, B79 7DH.
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We’re here to assist you to put plans in place, to help provide you with some protection from those unexpected curveballs that can be a normal aspect of everyday life!
So, let us help you find the right cover for you.
01827 313 931
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