What is the difference between a leasehold and freehold flat? Sinead Campbell, from London Flats insurance, discusses everything you need to know about the difference between leasehold and freehold flats. Are you thinking of buying a property in England or Wales? There are generally two main types of flats: leasehold and freehold. In the UK
Employers’ Liability Insurance: What you need to know Sinead Campbell, from London Flats Insurance, discusses everything you need to know about Employers’ Liability Insurance. “Are you sure we don’t employ anyone?” This is a question probably posed at many Residents’ Management Company (RMC) meetings. Imagine the scene: one of the directors pointing out to his
Underground pipes and your insurance Sinead Campbell, from London Flats Insurance, discusses who is responsible for underground pipes and how they can affect your insurance. When broken or leaking, underground pipes can be very difficult to manage. If a pipe starts leaking into the ground surrounding it, this can cause a multitude of problems, such
Section 20: What happens when the S20 procedure isn’t followed? Sinead Campbell from London Flats Insurance discusses what happens when landlords don’t correctly follow the three-step Section 20 consultation procedure. Section 20 is a legal requirement which landlords must follow for the sake of their tenants. Failure to adhere to the requirements of the Section
General Health & Safety in Blocks of Flats Sinead Duffy from London Flats Insurance outlines the main health and safety regulations that apply to blocks of flats. The duty to comply with the regulations falls on the landlord or person responsible for management which could be a Property Manager, a Residents’ Management Company or a
Sinead Campbell introduces London Flats Insurance London Flats Insurance has been providing insurance for blocks of flats and apartments for over 24 years. Our experience in the marketplace means that we are accomplished in providing cover for all types of flats and apartments including mansion blocks to new build apartments, converted houses to listed buildings.
London Flats Insurance explains how you can report a claim Sinead Campbell of London Flats Insurance explains the steps to take if you want to report a claim. To notify us of a NEW claim you can email us at [email protected]. For insurer contact numbers or for out-of-hours claims, please see below. Supporting your claim: Photographs – The easiest
What policy excess should you choose? Excess choices are normally be offered by your broker when they obtain quotations for you to consider for your block. An excess is the first part of a claim which is paid by the Policyholder. For example, your quote could be offered with a £100 excess. If you prefer a NIL excess
Have you got a lift? You need Engineering Insurance and Inspection cover Most buildings insurance policies taken out on blocks of flats will cover damage to passenger lifts as a result of an insured peril such as fire, accidental damage and malicious damage. However these policies do not normally extend to damage caused by the
What insurance does a block of flats or apartments in London need? Residents’ Management Companies often take on the task of arranging buildings insurance on behalf of their leaseholders. Ensuring your block of flats or apartments are adequately covered is a major responsibility and ensuring a competitive price as well as comprehensive protection for leaseholders’