• April 23, 2024
 The Future of Probate Protection: Will Insuristic Estate Protect Make Section 27 Notices Obsolete?

The Future of Probate Protection: Will Insuristic Estate Protect Make Section 27 Notices Obsolete?

The recent launch of Insuristic Estate Protect, allows law firms to arrange the various probate legal indemnity insurance policies (where there are no known issues), faster and cheaper than other probate legal indemnity insurance policies we offer.  

But in addition to this, firms no longer need to arrange a Section 27 notice and newspaper placements as a requirement for the cover.

Section 27 Insurance policies arranged on the Insuristic Estate Protect scheme can often be cheaper than a Section 27 notice.  So, with the added protection for beneficiaries, does this signal the end of Section 27 notices for Insuristic Estate Protect clients?

Understanding the Pain Points of Traditional Section 27 Notices:

For decades, Section 27 notices have served as the primary tool for protecting personal representatives from unknown creditor claims after estate distribution.

However, this method comes with inherent drawbacks:

  • Costly and time-consuming: Placing newspaper advertisements and arranging legal notices can be expensive and require significant administrative effort.
  • Limited protection to beneficiaries: Section 27 notices only shield executors and personal representatives, leaving beneficiaries exposed to potential claims, causing additional stress and financial hardship in the future if a claim arises.

Introducing Insuristic Estate Protect: A Streamlined Solution:

Insuristic Estate Protect addresses these pain points by offering a streamlined insurance-based alternative:

  • Faster and cheaper: Policies can be issued in seconds, often at a much lower cost compared to other policies available to Insuristic.
  • Comprehensive coverage: Unlike Section 27 notices, the insurance protects both personal representatives and beneficiaries, offering complete peace of mind.
  • Reduced administrative burden: The streamlined application and issuance process minimises administrative work for legal professionals.

Advantages of Insuristic Estate Protect for Law Firms:

Beyond the benefits for beneficiaries, Insuristic Estate Protect offers several advantages for law firms:

  • Enhanced client service: By proactively offering comprehensive Section 27 Insurance protection, firms can demonstrate a commitment to client well-being and build trust.
  • Reduced risk of PI claims: Failing to offer adequate insurance protection could expose firms to professional indemnity claims in case of unforeseen creditor claims.
  • Improved efficiency: Faster policy issuance and reduced administrative burden frees up valuable time for lawyers to focus on other aspects of casework.

What is the cost difference between Section 27 Insurance and Section 27 Notice?

Section 27 Insurance will be cheaper than a Section 27 Notice for many clients.  Here is an example of an estate of £250,000 that has a clear credit and liabilities search:

Section 27 Notice Costs (including VAT):

  • Placing the notice: £102
  • Local newspaper notice: £288
  • Total: £390

(Prices correct at time of publication)

There may be additional costs such as the addition of logos, postal forwarding and other administrative costs.

Section 27 Insurance cost (including Insurance Premium Tax): £119.00 representing a saving of £271.00 whilst covering the executors, personal representatives and beneficiaries from claims from unknown creditors.

Is it the End of Section 27 Notices? Not Entirely, but a Paradigm Shift is Likely:

It will take time for the market to shift its thinking and stop automatically applying for Section 27 Notices and instead seeking Section 27 Insurance quotations first.

However, the convenience, cost-effectiveness, and broader coverage offered by Insuristic Estate Protect are likely to make it a popular choice for many forward-thinking probate professionals.

To find out more or sign-up visit https://insuristic.co.uk/probate-insurance/estate-protect/

Insuristic Limited (No: 13926650), is an Appointed Representative of SJL (Worcester) Ltd, who are authorised and regulated by the Financial Conduct Authority with the reference number 763599. This can be checked by visiting https://register.fca.org.uk/.

This article was submitted to be published by Insuristic as part of their advertising agreement with Today’s Wills and Probate. The views expressed in this article are those of the submitter and not those of Today’s Wills and Probate.



Insuristic is a digital first insurance broker. This means most of our products can be easily purchased online. We make insurance less complicated and tailored to our client’s needs. Which gives you and them the confidence that the insurance should respond when its needed. What's more, there are no hidden costs. We don't take big commission from our insurers, nor do we charge you fees. This means we don't charge to receive, change or cancel an insurance policy. We are committed to transparency. We tell our clients what we earn up front in our terms of business agreement, which is provided with each quotation. Insuristic has developed a broad range of products for the probate market which could save you and your clients time and money.  Plus, we only work with A Rated insurance providers with a proven claims service. This will give you the peace of mind that comes with working with a probate insurance specialist. If you work with Insuristic, we can also help you embed Insurance into your proposition:

  • We can provide property and estate administration insurance for your clients; and
  • For firms with an FCA exemption, we can provide you with the option to quote and issue policies in-house for some products.
Lastly, Insuristic has an affiliate program that pays commission on any introduced sales for the lifetime of the policy. Key services
Service Website URL
A Guide to Executor Insurance https://insuristic.co.uk/executor-insurance/
Insurance partnership offering for probate firms https://insuristic.co.uk/estate-administration-insurance/
Unoccupied Probate Property Insurance https://insuristic.co.uk/probate-house-insurance/
Probate Pro https://insuristic.co.uk/probate-pro/
Early Distribution Insurance https://insuristic.co.uk/early-distribution-insurance/
Section 27 Indemnity Insurance https://insuristic.co.uk/section-27-indemnity-insurance/
Missing Beneficiary Insurance https://insuristic.co.uk/missing-beneficiary-insurance/
Missing Will Insurance https://insuristic.co.uk/missing-will-insurance/
Unoccupied home insurance (non-probate) https://insuristic.co.uk/home-insurance/unoccupied-home-insurance/
Land Insurance https://insuristic.co.uk/land-insurance/
Insuristic Estate Protect https://insuristic.co.uk/estate-protect/
Key contact Name: Robert Faulkner Email: rob@insuristic.co.uk LinkedIn Acc: https://www.linkedin.com/in/robmfaulkner/