house sale in peril!!

jamie822

Hello,
I am currently in the process of selling my freehold semi with its associated lease hold garage. The garage is situated under a coach house which is owned and subsequently let out by another party.
The purchasers of my property have asked for the block insurance for the building where my garage is situated. I understand that this is provided to me by the freehold owner of the coach house. Unfortunately I have never had a copy of this document, yes I know that this is rather stupid and I should have asked for a copy of it for myself earlier.
The problem I have is that the guy who owns the property has just deployed to Afghanistan and is non-contactable for upwards of 8 weeks!!!! Is there any way I can find out the policy he has from a insurance body or is there any way i can purchase insurance myself on the garage. Im worried the potential new owners will not be too happy about waiting an additional 8 weeks plus !!
Any help or ideas would be greatly appreciated.
J

huckster

Is there any contractual linking between your freehold house and this leasehold garage ? If there is, approach the Insurers of your house and see if they will include the garage.

If the garage is totally separate and already Insured under the relevant legal contractual arrangement by the freeholder, I am not sure what you can do. If the garage is under a let property, the tenants of that property may have contact details or they may even know the Insurance details, for reference in the case of an emergency. If they use a letting agent, the agent might have the details.

InsideInsurance

I guess it depends on what the concerns are but getting insurance on it yourself may not resolve the buyers query. If its a concern that the place will burn down between exchange and completion then yes it helps. If it is about the ongoing post purchase situation then evidently it doesnt as once you complete you stop your insurance and the situation returns to how it is today.

There is no central repository of who insurers what buildings. The CUE database will hold a moderate proportion but not all insurers subscribe to it and secondly they are unlikely to give you as a third party any information even if they do have it.

Who is the occupier of the other part of the structure? Is it possible that they have details of the block insurance?