Freeholder building insurance

spring24

post removed

spring24

post removed

DullGreyGuy

My bigger worry right now would be if he has actually purchased appropriate insurance at all. Many non-professional freeholders just buy standard Home Buildings insurance but that only covers a single dwelling and not a house thats been converted into multiple dwellings. 

You won't want to be named as a policyholder and dont really need to be named as an interested party either for the reasons you mention of being liable for the premiums if they dont pay or having to declare claims and/or voided policies if he makes a claim on it for damage to his property alone etc. 

In principle as the named policyholder you may be able to speak to the insurer directly and have yourself taken off the policy. 

spring24

post removed

DullGreyGuy

spring24 said:

I've asked him to take me off as a policy holder and add me as a disclose as per the statement of facts. which since 2020, can be the name of the leaseholder (who can't change the insurance but can check the insurance etc... legally, the insurance needs leaseholder name somewhere on record for access). the insured property address shows both flats (since this year after my request!!...)

In neither of our last two places has the insurance listed the leaseholders; access to the insurance docs were via the freeholder's agent 

DullGreyGuy

Which law?

20 flats? there are multi-building developments around here with hundreds of flats covered by one policy but still small fry compared to multinational corporate insurances.