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Started by leaseholdanswers, 12-01-2014, 12:38 PM
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by Priever
 
Started by leaseholdanswers, 27-12-2013, 10:53 AM
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Last Post Klanator  
Started by leaseholdanswers, 30-07-2013, 10:13 AM
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Started by ashburnham, 04-07-2013, 15:21 PM
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Started by LondonLandl0rd, 16-02-2018, 12:35 PM
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Started by Tx2online, 14-02-2018, 18:22 PM
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by JK0
 
Started by Martin 9086, 02-02-2018, 03:39 AM
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Started by heathcliff, 20-01-2010, 18:15 PM
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Last Post desamax
by desamax
 
Started by Propertygoesup, 15-01-2018, 19:34 PM
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Started by shearne, 25-10-2017, 10:12 AM
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Started by uk174, 04-02-2018, 12:41 PM
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Started by Doug_b, 23-01-2018, 21:27 PM
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by Doug_b
 
Started by nokia_aid, 23-01-2018, 17:44 PM
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Started by Bibi1, 18-01-2018, 10:46 AM
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  • Insurance broker relationship
    by Stacker
    If the company is the freeholder called the principal and the directors called its agents. Could an insurance broker be called an agent of the company also and would the insurance broker owe fiduciary duties to the company?
    07-07-2020, 19:02 PM
  • Insurance premiums going through the roof
    by flyingfreehold
    Those seeking renewals of buildings policies will find that insurers are taking a much tougher line especially where there have been chunky losses and premia are rising dramatically

    A broker put it to me this way. In 2020 insurers have made negative income on its investments therefore...
    17-05-2020, 10:41 AM
  • Reply to Insurance premiums going through the roof
    by Section20z
    desamax,

    More likely there was a big claim and the renewal went up so the only way to get reasonable cover was to accept a high excess.
    You can ask for claims history but I doubt they would tell you it had been declined, they don't normally decline renewals,. Just put price up so...
    06-07-2020, 12:55 PM
  • Reply to Insurance premiums going through the roof
    by flyingfreehold
    I think the present insurers are perfectly reputable. I cant see that there is a way of ascertaining that the previous insurer declined. Companies are fickle and they do from time to time exit specific types of cover....
    06-07-2020, 08:53 AM
  • Reply to Insurance premiums going through the roof
    by desamax
    Our excess have been increased, the 'escape of water' one is now 5K from £250 all others have doubled. This is a mixed use property all sold off on long leases. we have a feeling our landlord has had the insurance declined by the long standing insurer and we now have some unknown underwriter, the policy...
    04-07-2020, 12:47 PM
  • Leasehold Second Home insurance
    by Rincewind
    Hi All

    I have a leasehold holiday home (flat).

    The lease states: . . . "the lessor will at all times during said term (unless such insurance shall be vitiated by any act or default of the Lessee) insure and keep insured the building including all common areas and common...
    27-06-2020, 09:18 AM
  • Reply to Leasehold Second Home insurance
    by Rincewind
    yes but . . . the lease says

    "The lessor will at all times during said term (unless such insurance shall be vitiated by any act or default of the Lessee) insure and keep insured the building including all common areas and common services against fire and such other risks (if any) as...
    29-06-2020, 17:06 PM
  • Building Insurance
    by hexu
    The dispute has happened since the change of freehold.

    I was told by my conveyancing solicitor that building insurance is arranged by the Landlord for the common parts only and I must insure the flat myself. My lender also informed building insurance I must take out to hold as a condition...
    30-05-2020, 16:10 PM
  • Reply to Building Insurance
    by hexu
    Hi ATC, I seem to misunderstand your point previously. My solicitor has written to the freeholder, but he does not accept our position. His reply is shown as below:

    "Insurance companies are unable to cover the structure of the building and common parts of the building without taking...
    27-06-2020, 19:00 PM
  • Reply to Leasehold Second Home insurance
    by Section20z
    I think your best bet is to notify the insurers directly that it is occasionally vacant for longer periods . (As long as your lease has no clause against it) otherwise you may be liable as you say.
    Failing that make sure it's occupied at least once a month.
    You can use C19 as a valid excuse...
    27-06-2020, 12:01 PM
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