> Although new to New Zealand, Title Insurance has been around overseas for over 130 years - the cover it provides for off title risk has been proven to be relevant and of real value in similar title jurisdictions.

> Where did Title Insurance originate?
> What Is Title Insurance?
> Does someone have to be at fault before I can make a claim?
> What risks does a title insurance policy cover for a Home Owner?
> What risks does a title insurance policy cover for a Lender?

For a mortgagee, the title insurance policy covers it for its interest in the mortgage and the security property from the time the loan is advanced despite borrower fraud, undue influence and many risks that are not covered by a solicitor's certificate to the lender. In a Torrens Title environment like New Zealand, title insurance immediately enhances the position of a lender from the point of funding:

> any exceptions to the rule against indefeasibility are overcome;
> due diligence concerning title or a property itself is eliminated; and
> a lender has a no fault guarantee that its mortgage is valid, enforceable and not subject to any prior interests or encumbrances.

Click on Claims Examples page to read about situations in New Zealand where Title Insurance would have prevented a lot of hassle and concern for lenders.

> Title Insurance is an American concept - does it work in any other countries with a > > title system like ours?
> Why do we need title insurance in New Zealand when the Government guarantees > > title to land?
> Doesn’t using a lawyer protect me?
> What additional level of comfort does Title Insurance provide?
> I’m buying a property so I can re-develop it, does the policy cover this?
> How does the policy fit within my current insurance portfolio?

Click on Claims Examples to read about situations in New Zealand where Title Insurance would have prevented a lot of hassle and concern for both purchasers and lenders.