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Freehold House with Leasehold Garage - Insurance
Comments
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Have you been discussing it with her as if it's optional, rather than (I presume) something she's obliged to do under the titles?finallysinkingin said:
Coach House owner has said she hasn’t got any insurance and has no interest in taking any out as she’s out of the country for months at a time!eddddy said:finallysinkingin said:Thanks for the replies so far.
been in the house since it was built (2010) and always insured the garage as part of normal buildings insurance but now understand that it’s probably not insured as part of the house!Seems we have different deeds to majority of coach houses in that we have to insure garage but in joint names with coach house owner (freeholder) but I can’t find an insurance company to do so even been to specialist brokers. Occupant of coach house isn’t willing to insure either (we’ve offered to pay the cost in full) so we’re stuck.
What does the coach house owner think they have insured?
The coach house and garage(s) are all one building, so one policy would normally be arranged to cover the whole building.
Did the coach house owner explain to their insurers about the coach house / garage(s) set up? Or did they just buy a standard house insurance policy - perhaps online via the comparison sites?
If they just bought a standard house insurance policy, it's likely to be unsuitable for a coach house - so they might not be insured.0 -
It’s the other way round……the deeds state that we (as leaseholders) should insure the garage in joint names with the free-holder - this is the opposite to what seems to be the norm for coach houses/ flats over garages.
think our only option is legal advise with a view to getting the deeds changed - if the freeholder will cooperate.
thanks all0 -
Definitely no obligation on them to do anything about insurance or contribute to the cost? What advice did you get when you bought?finallysinkingin said:It’s the other way round……the deeds state that we (as leaseholders) should insure the garage in joint names with the free-holder0
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