Our Insurance Policies for London Flats

Insuring your block of flats or apartments can be a difficult and time-consuming task. We often find that our clients are searching for an All Risks policy that covers their block from a wide range of risks; from accidental damage, malicious damage and damage to communal contents, all the way to legal liability protection for property owners and employers.

The good news? At London Flats Insurance, we have policies to cover all of this and more. And, whilst the checklist of policies may sound extensive, it doesn’t mean you have to spend a fortune – that’s why we’re here.

  • 12-month policies; simply renew after a year.

  • Most competitive quotes on the market.

  • All our policies are underwritten by A-rated insurers.

  • All our policies are provided on an All Risks basis, covering you and your property against almost everything.

As a specialist flats insurance broker, we have strong relationships with some the best insurance companies in the UK. In fact, we’ll only ever offer insurance policies that have been underwritten by A-rated insurers, so you can trust all our clients are fully protected. We’ll do whatever we can to try and find you a policy that covers everything your specific block of flats or apartments needs – all at the most competitive price.

All our policies are designed specifically for those insuring blocks of flats or apartments, including Residential Management Companies, Residential Associations, Freeholders, Property Owners, Property Managing Agents and Right to Manage Companies. We can cover any type of flats or apartments: from large, purpose-built blocks to converted, listed buildings.

Look below to see our range of gold standard insurance policies. Need help deciding which ones you need? We can help; just call us on 020 7993 3034.

Buildings Insurance for blocks of flats and apartments:

Our Buildings policy is provided on an All Risks basis; it provides cover towards the property itself and the communal contents of the block, as well as the external features. This policy is recognised across the industry as providing the widest standard of protection normally available, and has truly been designed with the complexities of flats in mind. It provides cover for:

  • Loss of or Damage to Contents of Communal Areas.
  • Alternative Accommodation or Loss of Rent.
  • Legal Liability for Injury to Employees.
  • Legal Liability for Injury to the Public or Residents.
  • Replacement of Communal Door locks following a theft of keys.
  • Loss of Residents’ Management Company cash.
Want to find out more? Click here to go to our Buildings Insurance page. Alternatively, you can contact us to speak to a friendly member of our team.
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Directors & Officers Liability Insurance:

Underwritten by AVIVA Insurance Limited, our Directors and Officers Liability Insurance has been carefully designed to protect directors and officers against the legal risks that come with their role.

  • Covers legal costs, expenses and any civil damages awarded against you.
  • Covers emergency defence costs.
  • Protects the individual director or officer.
  • Protects the Residential Management Company.

From only £93 a year, this policy protects directors and officers from claims made against wrongful acts. This includes breaches of duty, neglect, error, misstatement, libel, and wrongful trading (amongst many more).

Want to find out more? Click here to go to our Directors & Officers Liability Insurance page or contact us to speak to a friendly member of our team.

Terrorism Insurance:

Our Terrorism cover is added as an additional to your Buildings Insurance policy.

  • Covers fire, explosion or terror damage (this type of damage is not normally covered by your Buildings Insurance policy).
  • Underwritten by Pool Reinsurance Company, the biggest terrorism insurance company in the UK.

Your lease will sometimes require you to obtain this type of cover; make sure you check what is required when securing insurance for your block of flats or apartments.

Want to find out more? Click here to go to our Terrorism Insurance page or contact us to speak to a friendly member of our team.

Lift Insurance & Inspection:

According to health and safety regulations, any individuals or residential companies managing a block of flats or apartments have a legal duty to ensure that their passenger lifts are formally inspected by a competent authority every 6 months.

  • Lift Insurance: provides Machinery Breakdown cover for buildings services as defined, i.e. lifts, communal boilers and electronic machinery such as automatic doors.
  • Lift Inspection: provides cover for lift inspections, as well as providing a range of market-leading providers.

These products can be purchased separately or together.
Cover starts from £280.80 a year for Lift Inspections and £112.00 a year for Lift Insurance.

Want to find out more? Click here to go to our Lift Insurance & Inspection page or contact us to speak to a friendly member of our team.

Legal Expenses:

Due to often limited means, Residential Management Companies usually do not have the funds available to defend themselves against or further a legal dispute. Our Legal Expenses cover provides funds for legal matters such as:

  • Legal defence
  • Property protection
  • Bodily injury
  • Contract Disputes
  • Debt Recovery

Cover is provided from only £30 a year and is added an an additional cost to your Buildings Insurance premium.

Want to find out more? Click here to go to our Legal Expenses page or contact us to speak to a friendly member of our team.

For further information on any of our policies, please don’t hesitate to call us on 020 7993 3034.