We offer a full range of HOME
INSURANCE
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Cover for COMMERCIAL properties, plus
UNOCCUPIED commercial property

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Owners and home insurance

We are pleased to launch our new cover
for HIGH NET WORTH - Private Clients.
We offer cover for purpose built and house conversion FLATS or APARTMENTS

Blocks of Flats Insurance

Our blocks of flats insurance policy has been designed to provide cover for the buildings or the buildings and communal contents of blocks of flats or apartments.

Cover is available for:

  • Freeholders
  • Resident Associations
  • Management Companies
  • Companies
  • Individuals
  • Joint Policyholders

We are happy to provide cover for:

  • Purpose Built Blocks
  • House Conversions

Key Features of our Product

  • Cover available for blocks situated in the United Kingdom
  • Sum insured up to £3,000,000
  • Cover can be arranged for blocks which are owner occupied and blocks which have flats which are tenanted, used as holiday homes or left unoccupied
  • £10,000 Communal Contents cover included free of charge, higher amounts can be covered
  • Accidental Damage cover available
  • Discounts available for newer blocks and higher sums insured
  • No claims bonus of up to 30%
  • TV aerials and satellite dishes covered
  • Solar panels covered
  • Water features covered
  • £5,000,000 Legal Liability to the Public cover
  • £5,000,000 Accidents to Domestic Staff cover
  • Loss of rent and alternative accommodation cover
  • Office equipment covered

Cover Provided Includes

  • Fire, Lightning, Explosion, Earthquake and Smoke Damage
  • Impact by Aircraft and other Flying Devices or items dropped from them
  • Storm, Flood or Weight of Snow
  • Escape of Water
  • Escape of Oil
  • Theft or Attempted Theft
  • Collision by any Vehicle or Animal
  • Malicious Damage
  • Subsidence, Heave and Landslip
  • Breakage or Collapse of TV Aerials and Satellite Dishes
  • Falling Trees, Telegraph Poles or Lamp-Posts
  • Accidental Damage to Fixed Glass, Sanitary Ware, ceramic Hobs and Solar Panels
  • Accidental Damage to Underground Services
  • Loss of Rent or Alternative Accommodation
  • Additional Expenses
  • Increased Cost of Metered Water Charges and Loss of Domestic Oil
  • Buyers of Flats Benefit from Buildings Insurance
  • Trace and Access Cover
  • Replacement Locks
  • Landscaped Gardens
  • Costs of Replacing or Refilling Fire Extinguishers
  • Damage Caused by the Emergency Services
  • Loss or Damage to CCTV Systems
  • Legal Liability to the Public cover £5,000,000
  • Accidents to Domestic Staff cover £5,000,000

Cover is subject to the full terms, conditions, limits and exclusions of our Residential Blocks of Flats or Apartments Policy Wording.