Leaseholder's Right to Demand Copy of Another Leaseholder's Insurance Certificate

[Perry Cleese]

Hi Topic Specialists,

I own a Head Lease on a converted house. The Head Lease covers my flat and the Underlease the flat below. A third and (unconnected in lease terms) flat sits below these two flats.

The owner of this unconnected flat has demanded that I provide a copy of my insurance certificate to allegedly satisfy a buyer's solicitor. Obligation to insure sits with the leaseholders in my lease and most likely in their lease too, rather than with the FH. This demand did not come from a conveyancer, but directly from the other LH.

There is much information online about LH vs FH and vice versa but little to reference obligations between LHs. My understanding is that obligations are solely between lessee and lessor? The FH is a separate individual who does not own any of the leaseholds.

Whilst I do of course hold such a certificate, I am not a party to the transaction and do not believe there is any obligation on my part to produce any personal and private contracts pertaining to my property.

Am I correct?

Much obliged,

Perry

[leaseholdanswers]

You are right that unless the lease makes such a provision or the FH has the right to inspect it, then you are under no obligation.

However do bear in mind that you may yourself wish to sell in the future and a similar question will be asked of you.

[Perry Cleese]

Thank you

Perry