web
You’re offline. This is a read only version of the page.
close
Skip to main content


Posted Tue, 23 Sep 2025 09:08:18 GMT by Chris Ivie

I have a patch of land that used to belong to my property, but my previous house owner sold it to next door. I have now bought this back and its title deed refers to it as 'Land at the back of' my property number and address.

My current insurance provider say it can't be part of my policy as it's a different title, and I am struggling to find out how I can even insure it.

The land has a small outbuilding on it which has electricity. From the threads I've found, I can't amalgamate these into 1 title deed to allow my life with insurance to be easier but do I have any options?

Who can I insure this with if normal home insurance places won't touch it?

Thanks,Chris

Posted Tue, 23 Sep 2025 10:58:08 GMT by Adam Hookway
Chris - here's the generic answer with regards a need to request amalgamation
 

An amalgamation is the joining of two or more parcels of registered or unregistered estates affecting different extents of land under a single registered title.

We do not amalgamate titles unless some positive advantage accrues to a number of prospective purchasers (such as an amalgamation of areas of land comprising a housing development), or the request does not add unnecessarily to our workload.

Amalgamation can only happen where: 

  • the estates are of the same kind [for example, freehold title] 
  • the estates are owned by the same proprietor[s] and in the same capacity [for example, if an owner holds one title as joint proprietor and another as sole proprietor, amalgamation of the two cannot take place]
  • the impact upon any encumbrances on individual titles, such as mortgages, have been accounted for  
If you wish to apply for amalgamation you will need to complete and submit:
  • Form AP1
  • a covering letter outlining the reasons for the request along with any supporting evidence [If you are being refused insurance, for example, then you should include a copy of that refusal with the application]
  • a sufficient description or plan of the land being amalgamated 
  • a fee of £40.00 [cheques/postal orders to be made payable to HM Land Registry]

To find out where to send the completed form, see Land Registry address for applications.

Your application and any supporting documentation will be considered on receipt.

Land registration is complex, designed to protect legal and financial interests in property. There can be significant consequences for any error. Please consider seeking legal representation. Before making an application without legal representation, it is important to consider the benefits of using a conveyancer.

Posted Fri, 17 Oct 2025 10:57:24 GMT by Jennifer Gibson
Hello! 

I am seeking to purchase a property in England but have discovered that the house is on one title and the land (approx 12 acres) is on a separate title (both owned by the same individual).  The seller listed it for sale as a whole and we agreed upon a price.  However, my mortgage lender requires that it be conveyed on one title.  The property solicitors on both sides of the transaction seem to think the land registry will not agree to merging the two titles into one.   This will unfortunately make it impossible for me to proceed with the purchase. Can you please advise? 
Posted Fri, 17 Oct 2025 11:49:20 GMT by Nimish Patel
Hello Jennifer - the response by Adam Hookway above on this thread summarises our position clearly.  

You must be signed in to post in this forum.

Sign in