Insurance Questions

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Closed, Sticky: Building Insurance - Blocks of flats. by leaseholdanswers Started by leaseholdanswers, 12-01-2014, 12:38 PM	0 responses 5,678 views 0 likes	Last Post by Priever 11-10-2017, 12:34 PM
Sticky: Leaseholder’s rights to 1 insurance policy information & 2 Right to Lodge a Claim by leaseholdanswers Started by leaseholdanswers, 27-12-2013, 10:53 AM	0 responses 3,793 views 0 likes	Last Post by Klanator 06-09-2017, 08:01 AM
Closed, Sticky: Escape of Water In Flats Claims- Who Pays the Excess by leaseholdanswers Started by leaseholdanswers, 30-07-2013, 10:13 AM	0 responses 5,436 views 0 likes	Last Post by leaseholdanswers 30-07-2013, 10:13 AM
Closed, Sticky: Escape of Water Leaks in Flats by ashburnham Started by ashburnham, 04-07-2013, 15:21 PM	0 responses 8,549 views 0 likes	Last Post by ashburnham 04-07-2013, 15:21 PM
Tenants gf using HMO address for life insurance by Berlingogirl Started by Berlingogirl, 23-12-2017, 12:55 PM	6 responses 94 views 0 likes	Last Post by Berlingogirl 23-12-2017, 15:59 PM
Challenging high building insurance premium by Dora.B Started by Dora.B, 17-11-2017, 11:30 AM	10 responses 388 views 0 likes	Last Post by Gordon999 15-12-2017, 13:34 PM
Share of freehold who pays excess for water leak by cocopops1975 Started by cocopops1975, 08-12-2017, 16:34 PM	1 response 94 views 0 likes	Last Post by ram 08-12-2017, 18:17 PM
Building insurance for a block containing an empty flat by rfph1 Started by rfph1, 14-11-2017, 19:15 PM	5 responses 93 views 0 likes	Last Post by Gordon999 06-12-2017, 14:55 PM
Building insurance - with Rent income cover & Employer liability by ontljoshi Started by ontljoshi, 04-12-2017, 14:25 PM	1 response 71 views 0 likes	Last Post by Flashback1966 05-12-2017, 21:19 PM
insuring against arson by tenants by coronation Started by coronation, 31-07-2013, 10:54 AM	7 responses 1,469 views 0 likes	Last Post by leaseholder64 03-12-2017, 13:23 PM
liability insurance by NathanZ Started by NathanZ, 27-11-2017, 11:21 AM	7 responses 156 views 0 likes	Last Post by leaseholder64 02-12-2017, 23:41 PM
Insurers requesting payment for Formal Registered Document by sa8188 Started by sa8188, 02-12-2017, 21:22 PM	0 responses 35 views 0 likes	Last Post by sa8188 02-12-2017, 21:22 PM
Fire Safety Officer - Insurance by MazH Started by MazH, 27-11-2017, 10:52 AM	7 responses 87 views 0 likes	Last Post by Gordon999 01-12-2017, 18:52 PM
insurance Recommendation by dizzybeetle Started by dizzybeetle, 19-11-2017, 04:08 AM	2 responses 104 views 0 likes	Last Post by dizzybeetle 22-11-2017, 04:24 AM

Public liability on land adjoining a freehold property

Berlingogirl

Mum is buying a bungalow built in somebody's back garden. There are 9 properties altogether and they are freehold.

There is a resident's association and everyone pays into a public liability insurance for the unadopted tarmac access road.

My question is this: Is it normal for...
- Channel: Insurance Questions
04-12-2018, 10:51 AM
Reply to Public liability on land adjoining a freehold property

Berlingogirl

I don't think the council will ever adopt this private road. The road is private so the property owners aren't liable for the repairs as they would be if it was just unadpoted and not private. (I read the Highways Act).

In the conveyance document dated 1977, so not that old, references...
- Channel: Insurance Questions
07-12-2018, 17:32 PM
Reply to Public liability on land adjoining a freehold property

leaseholder64

Councils won't adopt roads unless they service a significant community. In the current climate, that road is never going to be adopted.

Even if it were important enough to adopt, it would have to be brought up to council standards before it was adopted.
- Channel: Insurance Questions
07-12-2018, 11:06 AM
Reply to Public liability on land adjoining a freehold property

Gordon999

I think some councils are hard-up and have no budget to take on private roads.

So these roads have to be maintained by the house owners on the estate.
- Channel: Insurance Questions
07-12-2018, 10:57 AM
Reply to Public liability on land adjoining a freehold property

Berlingogirl

Thank you leaseholder64. There are some other issues however but I won't bore you with the details. Several small but important details need sorting. part of the problem is, I think, older people have bought properties on the estate and not questioned the issues I'm questioning so the info hasn't passed...
- Channel: Insurance Questions
04-12-2018, 16:33 PM
Reply to Public liability on land adjoining a freehold property

Berlingogirl

I've got this sorted - nearly. I would delete the post but I can't so here's the situation so far - just 4 of the residents own the private unadopted area and everyone chips in for the public liability. The 4 owners are responsible for any shortfall should there be a claim or repairs....
- Channel: Insurance Questions
04-12-2018, 16:30 PM
Reply to Public liability on land adjoining a freehold property

leaseholder64

You should be concerned if you mother is not partially responsible for the upkeep of the road, and there is not a covenant to that effect noted on the title for the property.

The land will have started off belonging to someone, although it may have reverted to the Crown. The Crown do not...
- Channel: Insurance Questions
04-12-2018, 13:23 PM
Tenant making a public liability claim..Help please

Top_Dog

Hi,
I have been researching online about a issue i have and got diverted to this site. I would be greatly appreciate if any members could advice me on this matter as i am very stressed at the moment.

My tenant phoned me 2 months ago explaining she has fell down the stairs and...
- Channel: Insurance Questions
01-11-2014, 15:52 PM
Reply to Tenant making a public liability claim..Help please

johnsmith0774

Shame, it would be good to hear what happened...
- Channel: Insurance Questions
30-11-2018, 20:07 PM
Student landlord insurance vs regular landlord insurance

lettor

Hello,

Apologies if this is a simple question, but what is the general difference between student landlord insurance and regular landlord insurance? I would like to let out to students but I am unsure if I need specialist student landlord insurance as opposed to the regular variety....
- Channel: Insurance Questions
28-11-2018, 00:22 AM

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