When you build an extension, convert a loft, or add a floor to your home, you might think you only need planning permission and a good contractor. But there’s another legal factor that many people miss—your neighbour’s right to light.
If your building blocks natural daylight from reaching their windows, they can take legal action. That’s where rights of light insurance becomes essential. It’s a special policy that protects you from claims related to blocking someone’s light.
Let’s take a look at how it functions and why it’s something to think about.
What Does Rights of Light Insurance Cover?
This insurance protects you if a neighbour claims that your building work has reduced the natural light in their home or business. Here’s what it usually covers:
- Legal defence costs
- Compensation or settlements
- Expenses if you’re forced to alter or remove part of the build
- Delay-related costs
You don’t need to be a property developer to face this issue. Even a regular homeowner building a rear extension or loft can benefit from this cover.
Why Is This Insurance Important?
Rights of light claims are rare, but when they happen, they can be expensive and stressful. Here’s why this type of insurance is valuable:
1. Legal Protection
Defending yourself in court can cost thousands. This insurance takes care of those expenses so you’re not left with a big legal bill.
2. Peace of Mind During Construction
Instead of worrying about possible claims, you can focus on completing your project.
3. Helps With Loans and Permissions
Some lenders, especially for large developments, require this insurance before approving funds. It also reassures planning authorities.
Who Should Consider Rights of Light Insurance?
This policy is a smart choice for:
- Homeowners planning major renovations or extensions
- Landlords converting properties into flats
- Property developers building in close quarters
- Architects and contractors working on high-risk projects
If your new build is close to someone else’s windows, you could face a dispute. Insurance helps you avoid unexpected costs and delays.
How Much Does It Cost?
The cost of rights of light insurance varies depending on the size and type of project:
- Small residential projects: £300–£1,000
- Commercial or multi-unit builds: £1,000+
Factors that affect the cost:
- Size and height of the extension
- Proximity to other properties
- Whether you’ve had a daylight/sunlight assessment
- Risk of claim based on local property layout
How to Get the Best Policy
When buying rights of light insurance, keep these tips in mind:
✅ Choose a Specialist Provider
Not all home insurers offer this. Seek out insurance providers or brokers who have expertise in property law and construction.
✅ Ask the Right Questions
Make sure the policy covers legal fees, damages, and rebuild costs if needed. Some even cover project delays.
✅ Provide Clear Documents
You may need to give architectural plans and a daylight report. This helps the insurer assess your risk properly.
✅ Understand the Limits
Some policies don’t cover claims made before you buy the insurance. Always get cover before work starts.
Real Example: Why It Matters
Imagine you are a homeowner named Anil, considering a loft conversion. Your neighbour, Mr. Sharma, says your new window blocks morning light in his living room. He hires a lawyer and sends you a legal notice.
Without rights of light insurance, you’d pay:
- Legal fees: ₹1–2 lakhs
- Possible compensation: ₹3–5 lakhs
- Delay cost: Weeks or months
But with insurance, your legal team steps in, negotiates with Mr. Sharma, and covers the payout if needed. Your build continues smoothly.
FAQs About Rights of Light Insurance
Q: Is it required by law?
No, but it’s highly recommended if your project is close to another property.
Q: Can I buy it after the work begins?
Some insurers offer “retroactive” cover, but it’s more expensive and limited. It’s best to buy it before building starts.
Q: Does planning permission protect me from light claims?
No. Even with planning approval, a neighbour can sue if their right to light is affected.
Q: How do I know if my build blocks light?
A daylight/sunlight assessment by a surveyor will show this. It’s often required for larger builds.
Final Thoughts
Rights of light insurance might not be a well-known policy, but it’s extremely useful for homeowners and developers. It helps you stay protected from legal claims that can be costly and time-consuming.
If you’re planning to build or renovate a property, don’t skip this step. It could save you money, time, and unnecessary stress.
Start your project with peace of mind—consider rights of light insurance before you break ground.
