Main site > Forums > Essential Money > Insurance & Life Assurance > Buildings Insurance for Maisonette (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Buildings Insurance for Maisonette
Closed Thread
Views: 532
Thread Tools Search this Thread Display Modes
# 1
Old 22-03-2008, 2:33 PM
MoneySaving Stalwart
Join Date: Oct 2006
Posts: 418
Default Buildings Insurance for Maisonette

Hi all,

I am in the process of buying a maisonette and require buildings (and contents) insurance as the freeholder is missing.

I am also within 250m of a flood area (info from searches my solicitor has done)

I am finding a lot of insurers require me to ring up for a quote, rather than being able to purchase direct online. Does anyone know any insurerers i can proceed with online?

Also do i have to declare to my insurer about being within 250m of flood area?
vanilla8 is offline
Report Post
# 2
Oscar The Grouch
Old 24-03-2008, 9:47 PM
Fantastically Fervent MoneySaving Super Fan
Join Date: Jul 2007
Location: Kent
Posts: 2,189

Hi there

Your solicitor will tell you what he has discovered, but not what is relevant!! For example, my parents in law lived within 250m of a flooded area, but the area flooded 25 years ago and they were 100m above the highest point of water!!

Most insurers will ask you something along the lines of "is your home within x metres of a watercourse, been flooded or in an area at risk of flooding". What you need to do is establish whether you can answer "No" to this. assumes "Your home has not suffered from flooding in the last 10 years."

Try the Environment Agency website:

They give details of likely flood risks and if your new home isn't on there, you have no material fact to disclose.

Other things to think about are:
1. Who are the current owners insured with?
2. If its a maisonette, I assume there is another maisonette or flat. Who insures that, as it may be cheaper to get a policy covering the buildings for both properties.

Good luck and I hope the purchase goes smoothly.
In the beginning, the universe was created. This made a lot of people very angry and was widely regarded as a bad move.
The late, great, Douglas Adams.
Oscar The Grouch is offline
Report Post
Closed Thread


Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2015, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 2:09 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 15 April 2015

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed


Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

MSE's Twitter Feed