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Executor and inheritance insurance

For peace of mind when you’re managing a will

Why get executor and inheritance (Probate) insurance?

Solicitors take on many responsibilities and potential liabilities during estate administration. No matter how diligent you are, you may face claims on the estate from anyone that may or may not be named on the will. Taking a proactive approach can help protect all parties involved.

We’ve partnered with DUAL Asset Underwriting (DAU) to bring you comprehensive Executor and Inheritance Protection. This product provides cover for both personal representatives and the beneficiaries of the estate. With this insurance, you’ll be covered against a range of potential risks, including missing beneficiaries, missing wills and will dispute.

Probate policies can act as an alternative to going to court, skipping the costly and lengthy legal process. For example, they’re the go-to solution in professional indemnity claim cases where mistakes have been made in the drafting of a will.

What’s covered?

Protect yourself against the main risks associated with estate administration. With this insurance, you’ll be covered for the following:

  • If a missing beneficiary appears after the estate is distributed
  • If a will appears, changing the entitlement to the estate
  • If the validity of the will is challenged because it’s fraudulent,
    improperly executed, or because the deceased lacked mental capacity
  • Claims under the Inheritance Act 1975 (Early distribution insurance)
  • Claims from unknown creditors
  • A charity exerts a claim on the estate
  • Identity fraud by entitled beneficiaries
  • Legal rights claims
  • Proprietary estoppel

What’s not covered?

Executor insurance can’t cover everything. You won’t be protected if:

  • A will is discovered overseas, or a claim is made my foreign nationals
  • You continue to look for people that can raise a claim to the estate, after you’ve taken out executor insurance
  • You knew there were questions about the deceased’s mental capacity when they made their will and you didn’t tell us when you bought the policy

Also bear in mind that inheritance tax isn’t insured, so it’s your duty to make sure it’s properly calculated and paid.

Important information

Wesleyan is a broker. Executor and Inheritance Insurance is provided by DUAL Asset Underwriting (DAU).

Limits, exclusions and charges do apply. Full terms and conditions of the policy and cover, including the policy benefits and exclusions, will be contained in the Policy Wording and Policy Summary.

Risk must be acceptable to underwriters at normal term.

Before you apply online, we recommend you read the following documents: