High Insurance premiums from the freeholder

eddddy

Sassy021 said:

Hi There

I have a mortgaged flat with a freehold lease. My building insurance premium for 2024 was £246.66 and I have just received an invoice for 2025 for £453.06 which is an increase of 85%!!! With no warning or explanation. Do I have any rights to contest this?

Any advice would be helpful
TIA

It counts as a service charge payment, so you can challenge it at a tribunal if you think it's unreasonable.

But you would probably need evidence that the freeholder could have got cheaper, equivalent insurance from somewhere else.

Or perhaps the freeholder has taken out some unnecessary insurance cover, which has increased the cost.