Why is title insurance not used in TCI?

Land Title registration in the Turks and Caicos Islands is based on the Torrents system and regulated under The Registered Land Ordinance. No title insurance is necessary because the Turks and Caicos Government Land Registry maintains a perpetual registration system where each change of title is registered and cross-referenced to cadastral survey maps. Under this system, the registry is able to review the ownership history of every piece of land before it is registered to ensure not only that the land is owned by the transferor but also that the transferor has authority to sell the land and that all parties with any interest in the property, including financial institutions, consent to the transfer of the title.

The title itself would reflect any encumbrances on the property and certified copies of the register can be obtained prior to any conveyance. In the Torrents system, a land title certificate suffices to show full, valid and indefeasible title. An essential feature of the ... more.

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