What are squatters rights?

Do you know your legal standpoint as the property owner?

Squatters can claim possession of a building they’re occupying

True: Someone who is occupying a property without the owners’ permission can become the registered owner with the help of a conveyancer or solicitor.

To do so, they would have to prove that they or their predecessors occupied the property for 10 years (or 12 if the property is not registered); that they acted as owners of the property for the entire time, and that they didn’t have the owner’s permission.

The owner would have 65 days to object to any application, which would be automatically rejected as a result.

Subsequent applications could be made after two years of a previous attempt if the owner has made no attempt to remove the occupant.

Squatting is illegal

True: Occupying a residential building without the owners’ permission is against the law and carries a fine of £5,000, a six-month prison sentence or both.

And false: Occupying a commercial property is, in itself, not against the law. Causing damage to the property, however, is, as is refusing to leave when asked by:

  • The owner
  • The police
  • The council
  • A repossession order

Police may take other action against the unlawful occupant if they commit offences such as damage or theft, using gas and electricity without permission or fly tipping.

A tenant that doesn’t pay rent is a squatter

False: Anyone who has originally had permission to live in a property is not classed as a squatter. They can still be evicted, and landlords’ insurance provides the financial means to start proceeding to do so.

Speak to the Chartered brokers at Hine Insurance for more details of our property owners insurance – whether you own a single property or a large portfolio, we will advise you on the cover required to protect your investment.

Andy Guy
Andy Guy

Hi there! I'm Andy, I'm the Head of Charity and Faith Insurance at Hine Insurance with over 30 years experience.

In my spare time, I'm a trustee of a church and I enjoy walking and getting to grips with the garden.

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