
Intelligent Real Estate Due Diligence
IREDD Insights
Topical Discussions by Industry Experts
Manorial Rights, Mines and Minerals Risk in Renewable Energy Projects:
The Growing Role of Insurance
Bisma Halling, Client Executive, IREDD, July 2026
Manorial Rights, Mines and Minerals Risk in Renewable Energy Projects: The Growing Role of Insurance
As investment in renewable energy continues to accelerate across the UK, developers are increasingly focused on securing suitable land for solar farms, battery energy storage systems (BESS), wind energy projects and associated infrastructure. However, alongside planning, grid connection and environmental considerations, a lesser-known title issue is attracting growing attention: historic mines and minerals ownership and, in some cases, associated manorial rights.
Manorial rights and mineral ownership: a common confusion
While the terms are often used together, manorial rights and mines and minerals ownership are not the same thing[1].
Manorial rights are historic interests that may have been retained by Lords of the Manor and, in certain circumstances, can include rights to mines and minerals beneath land. However, mineral interests may also have been severed from the surface title through historic conveyances, legislation, local custom or other legal mechanisms. Examples include coal interests vested in the Coal Authority (now operating as the Mining Remediation Authority) and precious metals such as gold and silver that generally belong to the Crown. As a result, liability and risk can arise from a variety of historic sources, not solely from manorial rights.
Why it matters for renewable developers
For renewable energy developers, the issue arises where a third party claims ownership of minerals beneath a proposed development site. Whether constructing windfarms, solar arrays, battery storage facilities, substations, access roads or cable routes, development frequently requires excavation, piling, foundations, trenching and other intrusive works below the surface. If those activities interfere with third-party mineral interests, developers may face objections, legal challenges, project delays or demands for compensation.
A risk that isn't always visible on the title
Importantly, these rights are not always readily identifiable. While the Land Registration Act 2002 reforms improved transparency in relation to some historic interests and prompted registration of certain manorial rights before the October 2013 deadline[2], many severed mineral interests remain capable of existing independently of the surface title[3].
Historic mineral reservations contained in old conveyances can continue to affect land ownership and, in some circumstances, may not be apparent from a standard title review alone. Accordingly, developers, landowners, funders and advisers should be cautious about assuming that Land Registry records provide a complete picture of subsurface ownership[4].
What the courts are telling us
The courts have continued to grapple with the complex question of what constitutes a mineral interest and the extent of historic reservations. In Wynne-Finch v Natural Resources Body for Wales, the Court of Appeal confirmed that the meaning of "minerals" depends heavily on the wording of the original reservation and the context in which it was created[5]. The court endorsed the principle that minerals are generally substances that are exceptional in use, value and character, rather than the ordinary rock of the district[6]. As a result, a claimed mineral reservation may not always be as extensive as a third party contends.
More recently, the High Court's decision in Cleveland Potash Ltd v Drummond highlighted the continuing relevance of historic mines and minerals reservations. The court was required to interpret wording dating back to the 1940s and determine whether a reservation of "ironstone and iron ore and other metals" extended to potash and rock salt[7]. The judgment reinforced the fact that the construction of mineral reservations remains highly fact-specific and dependent upon historical context, language and evidence of commercial understanding at the time the reservation was created[8].
These cases illustrate an important point for developers. Historic mineral reservations are not always straightforward, and disputes often centre not only on who owns the relevant rights but also on precisely what substances were reserved and what rights accompany that ownership. Whilst legal arguments may ultimately defeat an adverse claim, the uncertainty, professional costs and delay associated with resolving those questions can be significant.
Why timing has never carried more value
Against the backdrop of the UK's Clean Power 2030 agenda and continuing reforms designed to accelerate renewable energy deployment, these risks are becoming more commercially significant. Government policy is increasingly focused on delivering critical energy infrastructure at pace[9], while the Planning and Infrastructure Act 2025 and wider network reforms seek to remove barriers to development. At the same time, National Energy System Operator (NESO) Gate 2 grid connection reforms have fundamentally altered the commercial landscape by prioritising projects that are both "ready" and strategically aligned with national energy objectives[10].
The practical consequence is that project timing now carries greater value than ever before. In December 2025, NESO confirmed a new pipeline comprising 283GW of generation and storage capacity selected for progression through the reformed connections process[11], following a substantial overhaul of the grid connection queue. Projects that secure and retain favourable connection positions may therefore have materially enhanced value, whilst delays can have a direct impact on funding, project economics and investment returns.
Against this backdrop, a title issue affecting ground investigations, construction activities or project commencement can have consequences extending far beyond legal costs alone. A dispute concerning mines and minerals ownership may jeopardise contractual milestones, increase development expenditure, affect financing arrangements or impact the value of a project's grid position. What might once have been viewed as a technical title concern can therefore become a material commercial risk.
The "new rights of light"?
Recent industry commentary has highlighted an increase in disputes relating to mines and minerals ownership, with some advisers describing such claims as the "new rights of light[12]" because of their growing capacity to disrupt development projects. In particular, concern has been raised about situations where mineral owners seek payments in exchange for releasing rights or permitting works to proceed, creating what is often described as a "subterranean ransom" scenario[13]. The issue has also attracted media attention.
In 2025, the Lordship of the Manor of Barnsley and associated mineral rights were offered for sale, with commentary noting that a significant proportion of the asset's value lay in the potential influence that those rights could exert over future development activity. The sale provided a timely reminder that historic mineral interests can still possess very real commercial value in a modern development context.
How the insurance market is responding
As a result, the insurance market has developed increasingly sophisticated title indemnity solutions designed to protect against losses arising from adverse mines and minerals claims and related historic property interests. Depending on the insurer and policy wording, cover may be available for legal costs, settlement payments, diminution in value and certain losses arising from project delay.
For renewable energy developments, bespoke policies can also be structured to address abortive expenditure, relocation costs, financing concerns, delay-related losses and business interruption exposures where a challenge threatens project delivery.
Keeping projects moving
By transferring certain financial risks to an insurer, developers, landowners, funders and investors may be able to manage potential exposures more effectively. In an increasingly competitive renewable energy market, where project timelines, grid connection opportunities and investment milestones are closely linked, specialist mines and minerals and manorial rights insurance can play an important role in unlocking development opportunities that might otherwise be constrained by historic title uncertainty.
The availability, scope and terms of insurance cover will vary between insurers and individual circumstances. Professional legal and insurance advice should be obtained before relying on any insurance solution.
If you or your clients are involved in a renewable energy project and have concerns regarding historic manorial rights, mines and minerals ownership or wider title risks, please do get in touch to discuss how an insurance-backed solution may help manage the financial impact of title-related risks that could affect project timelines.
Sources
[1] HM Land Registry, Practice Guide 22: Manors. [gov.uk]
[2] House of Commons Library, Registration of Manorial Rights, confirming that rights previously capable of overriding registered titles required protection before 13 October 2013. [researchbr...liament.uk], [commonslib...liament.uk]
[3] HM Land Registry, Historical Rights – confirms that ownership of the surface and ownership of mines and minerals can be held separately. [gov.uk]
[4] Brown Jacobson, commentary on Wynne-Finch v Natural Resources Body for Wales noting the need to review historic reservation documents rather than relying solely on current title entries. [brownejacobson.com]
[5] Wynne-Finch v Natural Resources Body for Wales [2021] EWCA Civ 1473 (Court of Appeal). [judiciary.uk]
[6] RICS Land Journal analysis of Wynne-Finch. [ww3.rics.org]
[7] Cleveland Potash Ltd v Drummond [2024] EWHC 1292 (Ch). [vlex.co.uk], [casemine.com]
[8] Eversheds Sutherland commentary. [eversheds-...erland.com]
[9] UK Government, Guide to the Planning and Infrastructure Bill. [gov.uk]
[10] NESO, Further Connections Methodologies Update (December 2025). [neso.energy]
[11] NESO reform announcement as reported by industry sources. [renewablesnow.com], [energicoast.co.uk]
[12] Mines and Minerals: Hidden Risks to Developments – Thomson Snell
[13] RICS discussion of trespass damages and hypothetical negotiation/ransom-style payments arising from interference with mineral ownership. [ww3.rics.org]
IREDD Insights
Topical Discussions by Industry Experts
The Availability of Defective Title Insurance in Commercial Property Transactions
In this recorded webinar Bisma Halling from IREDD and Ian Quayle from IQ Legal training explore:
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Advising buyers on existing defective title insurance - sellers warranties and or due diligence with insurers.
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New policies - who takes out the policy and what should the policy cover who is providing the policy?
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What is an appropriate level of indemnity cover
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Advising the buyer client - the duties and obligations of the insured who should they approach to obtain cover?
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Problem area investigating the problem or defect what can be safely done
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Problems with disclosures of the defect or the existence of the policy- i.e. sales at auction .
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What does the policy cover?
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Tips and traps when dealing with particular risk
Dafydd celebrates Dr Alexander Scott Prize Winner 2025
Intelligent Real Estate Due Diligence (IREDD), part of Adler Fairways, are delighted to congratulate Dafydd Jonathan, who has been awarded the prestigious Dr Alexander Scott Prize.
The award, presented by the Chartered Insurance Institute (CII), recognises the person who achieves the highest result in the Certificate in Insurance Market Specialisation, during the current examination year.
Dafydd recently joined IREDD as Director of Legal Indemnities. His knowledge and experience helped him to achieve the highest dissertation score among all eligible CII candidates. The paper entitled “Into the Light: What are the key drivers behind the surge in Rights of Light insurance claims, and how has the increase in premiums affected the market?”, examined a timely topic within the insurance market.
“Dafydd’s achievement is fantastic news, and we are thrilled to celebrate this success,” said Paul Goodman, Adler Fairways Managing Director. “It’s wonderful to see such dedication and hard work recognised with this prestigious award.”
The prize, which includes a certificate and a cash award, was presented at a ceremony on 17 October at Westminster Hall, London.


IREDD Expands Legal Indemnities Expertise Following Continued Growth Under Adler Fairways
Eighteen months on from its acquisition by Adler Fairways, Intelligent Real Estate Due Diligence (IREDD) – the specialist legal indemnities arm of the Adler Fairways Group – continues to go from strength to strength. With sustained business growth and a clear trajectory for further expansion, IREDD has strengthened its team with a new appointment to support growing client demand in the property and legal sectors.
Dafydd Jonathan has been appointed as Director of Legal Indemnities. A specialist broker with deep sector knowledge, Dafydd brings extensive experience from previous roles at Marsh McLennan and Ardonagh Specialty. He will lead IREDD’s legal indemnities team, working closely with property developers, solicitors, and law firms on complex real estate risks including defective title, restrictive covenants, rights of light, and other nuanced legal indemnity requirements.
This appointment marks a significant step in IREDD’s strategic growth, enhancing its reputation as a leading provider of specialist legal indemnity solutions in the UK.
Paul Goodman, Managing Director at Adler Fairways, welcomed the new team members:
“Since joining the Adler Fairways Group, IREDD has continued to grow, driven by increasing demand for specialist indemnity solutions. We’re delighted to welcome Dafydd to the team. His expertise and technical insight will further strengthen IREDD’s ability to support legal professionals and property developers with complex, high-value risks.
“This new appointment reflects Adler Fairways’ ongoing commitment to investing in talent and enhancing the value IREDD delivers to clients across the property and legal sectors."

Dafydd Jonathan
IREDD Insights
Topical Discussions by Industry Experts
Legal Indemnity Insurance:
Enhancing Institutional Appeal in Commercial Real Estate
Moz Gamble, Client Director Legal Indemnities, IREDD, May 2025
One of the key themes explored during discussions at this year’s UK Real Estate Investment & Infrastructure Forum (UKREiiF) was the increasingly strategic role that legal indemnity insurance plays in making commercial property assets institutionally acceptable.
Legal indemnity insurance has become a powerful tool for mitigating risks associated with real estate transactions. It provides protection against potential legal defects such as missing easements, restrictive covenants, rights of light issues, or planning irregularities - any of which might otherwise stall or derail a deal. These issues, while often resolvable over time, can lead to protracted delays and rising costs. By transferring these risks to insurers, legal indemnity policies allow investors, lenders, and developers to proceed with confidence and certainty.
In today’s competitive investment environment, where institutional capital increasingly dominates, having a clean and insurable title is not just advantageous, it’s essential. Institutional investors typically operate within strict parameters and require robust risk mitigation frameworks before committing capital. Legal indemnity insurance meets this need by providing a safety net that aligns with due diligence expectations, helping ensure that assets meet the threshold for institutional acceptance.
This is particularly relevant in the rapidly expanding Purpose-Built Student Accommodation (PBSA) sector, which was a topic at UKREiiF. The PBSA market continues to attract significant institutional interest due to resilient demand and long-term income potential. However, to satisfy return expectations and ensure smooth acquisition or refinancing processes, real estate sponsors must demonstrate that legal and regulatory risks have been fully addressed. Legal indemnity insurance supports this by streamlining transactions and offering peace of mind for investors, developers, and financial stakeholders alike.
In addition to de-risking, legal indemnity products can be tailored with enhancements that provide long-term cover or accommodate future development potential, adding further value to the transaction. These features benefit all parties - investors gain confidence, lenders reduce exposure, and developers can focus on delivery without the burden of complex legal remediation.
As the real estate sector continues to evolve, tools like legal indemnity insurance will remain vital in unlocking value and facilitating deals in an increasingly cautious and compliance-driven investment landscape.
IREDD Insights
Topical Discussions by Industry Experts
Risk in Real Estate Transactions
Join Moz Gamble and Clive Moys, as they provide practical tips for dealing with the risks in real estate transactions.
IREDD Insights
Topical Discussions by Industry Experts
Data Standards
Stephen Spooner, Non-Executive Director, IREDD, Aug 2020
If you are in the insurance industry, even as a real estate specialist, you could be forgiven for missing the significance of the Open Standards Consortium for Real Estate (OSCRE) having made their data model available for free use.
Well done if you got past the first paragraph, it shows admirable fortitude. “Why is it of interest to me?” I hear you say. “Isn’t this just stuff for those involved in a technology niche serving property managers or possibly the arcane sub-niche of property valuation?” Good points, but no. Please stay with me.
Commercial real estate data is particularly opaque for two reasons:
1. It is complex because it is multi-layered due to the plethora of interested parties and sources;
2. As a result of that complexity it is hard to create a unified picture of the data constellation that relates to each asset. Many businesses just don’t bother to collect or manage data beyond their immediate needs.
The massive, lucrative and economically critical real estate industry has traditionally handled this with a surprisingly consistent approach. It employs lawyers to take the risk that it may have misunderstood what it has bought. This is particularly prevalent when it comes to transactions.
The ancient due diligence ritual acted out when assets are traded, leased or financed requires a great deal of time to gather and minutely examine the epistles, scrolls, indentures, deeds and assorted instruments that together define the rights to be conferred on the purchaser, tenant or lender. To be fair most of these documents are now available in electronic form, although much of it is no better than taking a photograph. This is a soul-destroying task when carried out, even if it just once. I know this from personal experience but it gets worse. The exact exercise is often repeated on multiple occasions for the same asset because for each “event” at least one party has to perform the ritual, again.
Why?
Essentially the desire to limit the risk that that value will be adversely affected by a previously unknown legal or physical impediment. There is no trust between parties operating, fundamentally, on a philosophy of caveat emptor. The parties have agreed terms for a contract on the basis of a set of facts, many of which are only assumed at the moment of that agreement. The party that instigates (and funds) the ritual is rarely interested in the artefacts themselves, in fact it is normally only concerned to know if there is any aspect if the findings that might trigger a loss. This is evidenced by the frequency of occasions on which the lawyer is asked to report on “exceptions” only. A reminder: this is the ritual which has probably been enacted before, possibly quite recently and to a higher standard.
We have a situation where data is extracted from text or graphics, analysed and dumped, again and again. Little or no effort is made to preserve or categorise this information, let alone give it structure.
Why?
There are several reasons. Thank goodness, because to do this with no, or even few, reasons would be crazy right? I submit that these are the reasons:
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There is no benefit to those who are paying for the work because they only have an interest in that single transaction and there insufficient data to be relevant to other portfolio assets.
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There is no benefit to the lawyer because the chances of being asked to perform the same exercise on the same asset again are small. Furthermore, the lawyer’s income is often generated by charging for hours spent reviewing and reporting, even if the outcome is simply a report that says, “it’s fine.”
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The lawyer has a potential liability if the data is incorrectly translated from its textual source and re-used for other purposes. That liability would be reflected either in increased professional indemnity insurance premiums or worse, cover becoming unavailable
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There is no point unless the data can be profitably be used in a structured form.
Make no mistake, the cost of repeating these exercises is very large but that is not the most expensive aspect. Time is the enemy of all transactions and these rituals are truly profligate in its use. Weeks or even months pass while the dance is dutifully performed. All anybody wanted was protection from the unforeseen, but the only defence was a microscope rather than a satellite. This is like getting a doctor to pay your salary if you have to take sick leave, without access to any research data or patient information other, than her own observations.
We are now in an age where vast databases are linked to give insight into risks, trends and causation but many aspects of real estate are (and will remain) invisible without the structure that data standards bring. Some examples of data models that are now available and open for use without incurring use charges:
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Internationally, OSCRE members have supported and facilitated the creation of thousands of carefully considered definitions of real estate data points for over 20 years. The value of time and expertise invested in these “pigeon holes” in which to park and find information is incalculable but unquestionably vast.
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In the UK, a meticulously designed system for identifying “parcels” of real property, in three dimensions, has come through a long and troubled gestation to provide an anchor for an array of physical, social and economic information that is looking for relevance.
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The Royal Institution of Chartered Surveyors is providing the means to trade in data that has been assembled to the meet their global professional standards. These cover valuation, measurement and construction, with other areas to follow.
These are just the most recent examples of an expanding infrastructure which will provide opportunities to:
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challenge outdated practices;
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employ technologies like machine reading;
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bring real liquidity to real estate;
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reduce transaction costs;
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renew and adapt the built environment to meet challenges of climate change or pandemics;
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provide valuable information to other aspects of local, national and global economies.