Definition of boundaries for insurance

Hi, Please can someone help me define 'boundaries' of a property for insurance.  Its complicated as I have boundaries marked for my house and a separate boundary (joined together at a corner) for my separate garage in a block with the neighbours garages. It is opposite the back garden and the red line marked includes part of the shared access area.

Insurance companies say they'll cover the garage if its withing my boundaries.  Their legal team won't help me either.

Thank you

Hi Wendy - from a legal ownership perspective whatever is within the red outline on your title plan is included in your title/ownership

Thanks Adam.  Do the red lines indicate my boundaries then? There are two outlines joined at a corner.  One insurance company said they wouldn't cover the garage, the other won't make that decision.  They said it covered if its within my boundaries. Would a screenshot help?
 

Wendy - the red outline indicates the registered extent/general boundaries. 
It's the insurance company you need to convince it seems so what's the actual Q in full that they are asking?

They  want me to decide if the garage is within my boundaries.  It is marked in a red outline but is a separate outline to the main house and gardens - they touch in a corner. 

One company saw a screenshot of the deeds / plan and said no.  The other won't commit or make a decision - told me to get legal advice from their legal helpline who told me to contact you.  
 

Wendy - ok well the obvious answer seems to be Yes. Have they asked for proof? And what's the title number?
From an ownership perspective the fact that the garage is within it's own red outline matters not. It simply means you own both the main property and garage.
I assume the insurance cover needs to know if it's a garage in a conventional sense and joined to the house or not and that's why there is uncertainty.
I would suggest saying Yes and then sharing the copy of the title plan with the insure/legal dept and they can decide if the insurance is the right one or not 

Its reference H249360.

I have offered to share it but one refused it and put the onus back on me, the other accepted it and still said no to cover! Which is why I need one to say yes.

Wendy - That's not a valid title number - can you check again?

Sorry its HP249360

Wendy - I have responded to your query in the absence of my colleague. 

The extent registered under title number HP249360 includes the land and property within the red edging.  The property and the garage are both part of the same title.

I hope this helps to clarify our position. 

 

Thank you Nimish.  Would you say that this is one or two boundaries?  I need to confirm that the garage is within my boundaries and there is some confusion over this.

Wendy - How you or the insurance companies interpret the property is not something that we can comment or influence.  From land registration perspective, the property and the garage, while not being continuous, are registered as part of a single title.  

If anyone were to question if the garage was part of the title for your property, then our answer would be yes, it is. 

Hope this helps to clarify our position.