Mortgage lender charges insurance premiums if I don't send the building insurance policy each year

Snooper1

Hello. Each year my mortgage lender writes to me and asks me to send it the current insurance policy for my building. My mortgage loan has been sold on a few times and the last mortgage servicing company did not make this annual request. The mortgaged property is a flat so I don't arrange the insurance, the freeholder's agent does. I pay a contribution to the insurance through my service charge. Sometimes when I ask the managing agent for it my request is overlooked and the mortgage lender adds a 'lenders interest only insurance fee', together with an insurance premium which is charged each month until they receive the current insurance documents. I assume my mortgage taken out in 2006 uses fairly standard terms and conditions. The wording regarding insurance is different depending on whether the mortgaged property is leasehold or freehold. Only in the case of freehold do the terms say I must arrnage the insurance and send the insurance documents to them. In the case of leasehold property, the terms seem to require me to check that the policy arranged by the freeholder or its agent complies with certain minimum requirements but there is no requirement that I send it to the mortgage lender. The mortgage lender has acknowledged the terms and conditions don't specifically require me to send the policy to them but say it's appropriate I do so. It doesn't seem fair to me that I can be slugged with a fee and then with monthly insurance premiums (which they make clear only benefit them not me) when I take all reasonable steps to get the document to them but the managing agent either doesn't send it to me or sends it late.