Buildings Insurance for Freeholder

KiKi

Hi there

Just wondering if anyone could advise me. I've been to insurance websites, but am never sure how to get the right sort of insurance to cover what I need. This is the situation:

Three converted flats in a terraced house all with separate owners
Each has their own contents insurance
Two owner-occupiers
One rented out to tenants

I am one of the owner occupiers, and myself and the other two owners have the freehold.

I am looking to renew / take out buildings insurance as of end November, but cannot seem to find the right product! Can anyone advise me of companies that will provide insurance to cover this? Wherever I look it's either landlord insurance, or for one property, or shared accommodation - not one building with different flats in!

Thanks if anyone can help.
KiKi

Badger_Lady

Hang on - what are you trying to buy?

Are you going to get one insurance policy for the whole building, then split it amongst the 3 freeholders (and have they agreed?)... or are you just getting buildings insurance for your flat?

Who's been insuring you up until now?

KiKi

Insurance policy for the whole building. We purchased the freehold and its current policy from the previous freeholder earlier this year. The current policy is through a broker who provides insurance for landlords and multiple property owners only, so cannot requote us for next year (previous freeholder was a multiple owner) - it was provided by Norwich Union, I *think*.

I manage the freehold on behalf of everyone else, so am looking to get some quotes for the three of us to agree on who to go with.

Thanks for the response.

KiKi

ETA - obviously I can call NU direct for a quote, but I'd like to get a number of quotes; yet on websites I just can't see the sort of option which would cover us - of course, it must be there!

KiKi

If anyone has any suggestions of insurers to contact, I'd be very grateful.

Thanks.

dunstonh

You probably need a broker using conventional means. The internet sites try and cherry pick the easy stuff and leave the more difficult stuff to the brokers. Most towns have brokers operating in them so give them a try.

KiKi

Thanks for the advice.