Property block insurance

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    Property block insurance

    Can anyone advise me... still dealing with greedy freeholders and managing agent.
    The buildings insurance is arranged by the freeholder and it’s a a policy that covers their holding company and covers employers liability, they own the freehold on our block and next doors. The property owners are not named on the policy and we are paying for more than we need. They just tell us what we owe with no proof of price and charge for filing etc

    Is this legal, can we demand proof. I challenged them before and got knowhere!

    It is the responsibility of the freeholder to insure the property, they can get all bells and whistles policy if they like, there is nothing the leaseholders can do about it, the only proof you can demand is a copy of the insurance policy. It is normal for insurance to have liability insurance for the directors and public liability insurance in case anyone gets injured at the property.


      Here is chapter and verse on your query

      The Reasonableness of Insurance Premiums - The Leasehold Advisory Service (

      NB I think you're in the wrong forum section, you should be in Long Leasehold Questions


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