Missing will & trustee indemnity insurance
Missing Will & Trustee Indemnity Insurance protects the Personal Representative (PR), Beneficiaries, Trustees, Executors, and Administrators from claims arising.
What is Missing Will & Trustee Indemnity Insurance (MWI/TTI)?
Missing Will & Trustee Indemnity Insurance protects the personal representative (PR), beneficiaries, trustees, executors, and administrators from claims arising should a will, or subsequent will, appear after the estate has been distributed, which would alter the way in which the estate has been distributed.
Benefits
- The policy would pay up to the full value of the estate – without such a policy the claimant(s) could look to the executor, administrator, trustees, and /or beneficiaries for compensation.
- Little or no risk of a will or later will existing – executors and administrators still take this type of Insurance as a comfort policy, as it protects against the risk of claims arising, allowing beneficiaries to spend their inheritance freely.
- Members of The National Will Register get a preferential rate for their client – typically around 1.2% of the estate value which most clients who feel exposed see as a small premium for a large amount of protection.
- An allowable expense from the estate – no-one is personally responsible for paying this premium, and everyone can be protected
Who would take out this type of insurance and why?
- The PR’s can take out this kind of insurance – The only person who can be 100% certain whether a will or subsequent will exits is the testator themselves, and the solicitor/will writer they used to assist in drafting it.
The client has a will, can I still obtain insurance for them?
- Yes you can. It is not unusually for a client to suspect that a later will exists and require protection.
The client does not have a will, can I still obtain Insurance for them?
- Yes you can. If a will has not been discovered it goes without saying that no one can be 100% sure that a will does not exists.
Which insurers do we work with?
The National Will Register works with Trust & Probate Insurance and Insuristic.
Trust & Probate Insurance, part of Legal & Contingency, is a UK-based specialist insurer providing tailored cover for individuals and professionals involved in estate and trust administration. Their products include probate insurance, trustee indemnity, missing beneficiary cover, and Section 27 notice insurance – designed to protect executors and trustees from personal liability and help expedite estate distribution. With policies underwritten by A-rated insurers, they combine legal and underwriting expertise to offer clear, practical solutions for even the most complex estates.
Unique in the UK market, Insuristic specialises exclusively in probate and unoccupied home insurance, offering a seamless online quote‑and‑buy experience tailored to both lay executors and solicitors. Its product suite includes unoccupied home insurance, probate house insurance, executors’ legal indemnity policies (e.g. Missing Will, Section 27, Early Distribution, Missing Beneficiary), and landowner liability coverage—all underwritten by A‑rated insurers like Lloyd’s London, Canopius, CLS Property Insight and SJL Insurance. Emphasising transparency and simplicity, Insuristic charges no hidden fees for policy changes or cancellations, delivers instant policy documents online, and provides expertise and support throughout the process.
For further information please contact us on 0330 100 3660, or email enquiries@certainty.co.uk.