Estate Protect Direct

In January 2025, Insuristic launched Estate Protect Direct — the UK's first online quote-and-buy probate legal indemnity insurance available directly to lay executors and administrators.

Before Estate Protect Direct, the four core probate legal indemnity policies- Missing Will Insurance, Missing Beneficiary Insurance, Section 27 Insurance, and Early Distribution Insurance - could only be arranged through a solicitor or by manual application via an insurance broker. Lay executors administering an estate themselves had no direct online route to this cover.

Estate Protect Direct changed that. Any combination of the four policies can be quoted and bought in a couple of minutes, with cover that runs in perpetuity and no excess to pay in the event of a claim. Policies are underwritten by CLS Property Insight on behalf of Great Lakes Insurance SE, part of the Munich Re Group — one of the world's largest reinsurance organisations.

Estate Protect Direct is designed to simplify probate legal indemnity insurance for a wide range of individuals and professionals involved in estate administration:

• DIY Executors: If you're managing the probate process yourself, Estate Protect Direct provides easy-to-understand, affordable cover to protect you and the beneficiaries of the estate.
• Executors Working with a Solicitor: Collaborating with a legal professional? Our platform ensures you can quickly arrange the necessary insurance while working alongside your solicitor.
• Solicitors: Estate Protect Direct offers solicitors a streamlined way to arrange legal indemnity insurance for their clients without the need for a Terms of Business Agreement. It’s an efficient, cost-effective solution for private client teams managing estate administration.

Estate Protect Direct is a fast, reliable, and cost-effective way to secure the essential protection needed during estate administration.

Whether you're navigating probate on your own or managing multiple estates professionally, our platform offers the flexibility and convenience to meet your needs.

You can choose one or more of the following insurance covers:  To learn more about each cover, click the product name to visit each specific product page:

• Early Distribution Insurance: Removes the need to wait the statutory 6 months before distributing the estate with insurance protection against claims under the Inheritance (Provision for Family and Dependants Act) 1975.  To find out more, visit our Early Distribution Insurance page.
• Section 27 Insurance: Insurance against claims from unknown creditors without the need to purchase expensive Section 27 notices.  To find out more, visit our Section 27 Insurance page.
• Missing Will Insurance: Insurance protection against the risk of a newer Will being found after the estate has already been distributed.  To find out more, visit our Missing Will Insurance page.
• Missing Beneficiary Insurance: Peace of mind protection against claims from a beneficiary that was missing or unknown when the estate was distributed.   To find out more, visit our Missing Beneficiary Insurance page. 

Please note: Early Distribution and Section 27 Insurance is not available for estates in Scotland.

The cost of the cover will depend on a range of factors, including:

• The size of the estate;
• The complexity of the estate;
• The likelihood of a claim being made; and
• If a solicitor is involved or not.

As of January 2025 the average cost per policy across our entire client bank is as follows (including Insurance Premium Tax)

• Early Distribution Insurance: £223
• Section 27 Insurance: £223
• Missing Will Insurance: £450
• Missing Beneficiary Insurance: £450

Estate administration can be complex and protecting the executor's long-term liability as well as the beneficiaries from third-party claims is essential.

Estate Protect Direct provides the ideal solution by combining speed, simplicity, and comprehensive cover.

Here's why you should choose Estate Protect Direct:

Protect the estate, safeguard your role, and ensure beneficiaries' peace of mind with Estate Protect Direct — the smarter, faster way to manage probate insurance.

Estate Protect Direct doesn’t just offer convenience and comprehensive protection— we have also built in some unique features to help you save more money:

At Insuristic, we believe protecting an estate shouldn’t break the bank.

Our competitive pricing and unique savings ensure peace of mind for executors, beneficiaries, and law firms alike.

Why not get a quote today?  It will only take a couple of minutes to get a quote and buy a policy.

• Expert Support During Difficult Times. Our team is consistently praised for their knowledge, helpfulness, and responsiveness, providing clear guidance when you need it most.

• Simple & Straightforward Process We’ve built our website and services to be clear and informative, making it easy to understand your risks and arrange the right cover in minutes.

• Fair Pricing & Rapid Response. From efficient policy management to a transparent refund process with no hidden fees, we prioritise fairness and speed in everything we do.

Insuristic has two dedicated policies designed to protect estates and homeowners:

Probate House Insurance - for any stage of the probate process
Unoccupied Home Insurance- for property empty not in probate, such as when it's inherited, between tenants, up for sale, when you are away, during renovation or when the owner is in care.

You can learn more or get a quick online quote in just a few minutes.