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  • FIRST POST
    • Nicola1996
    • By Nicola1996 12th May 18, 2:02 PM
    • 2Posts
    • 0Thanks
    Nicola1996
    Freehold house, leasehold garage insurance
    • #1
    • 12th May 18, 2:02 PM
    Freehold house, leasehold garage insurance 12th May 18 at 2:02 PM
    Hi,
    I am buying a house which is freehold, and it comes with a garage that is leasehold on a 999 year lease. It is my responsibility to insure the garage, do I need to insure the garage separately to the house?
    Thank you
Page 1
    • Cakeguts
    • By Cakeguts 12th May 18, 2:05 PM
    • 4,876 Posts
    • 7,243 Thanks
    Cakeguts
    • #2
    • 12th May 18, 2:05 PM
    • #2
    • 12th May 18, 2:05 PM
    Where is the garage? It isn't in one of the coach house things is it?
    • Nicola1996
    • By Nicola1996 12th May 18, 6:30 PM
    • 2 Posts
    • 0 Thanks
    Nicola1996
    • #3
    • 12th May 18, 6:30 PM
    • #3
    • 12th May 18, 6:30 PM
    It is not joined to the house, but is next to it. There is a flat above it.
    • franklee
    • By franklee 12th May 18, 9:01 PM
    • 3,730 Posts
    • 4,017 Thanks
    franklee
    • #4
    • 12th May 18, 9:01 PM
    • #4
    • 12th May 18, 9:01 PM
    It is not joined to the house, but is next to it. There is a flat above it.
    Originally posted by Nicola1996
    That sounds like a coach house.

    When I was renting my garage was under one. The setup there was a freehold house with a leasehold garage.

    The owner of the coach house flat was the freeholder for the garages. They were responsible for getting buildings insurance but could collect contributions to it from the garages leaseholders.

    Contents insurance for the garage was on the usual house contents insurance.

    So I suggest you get hold if the lease, see what your setup is.

    Then tell in insurance company see how they want to insure it.

    Coach house threads:

    Coach House Insurance
    http://forums.moneysavingexpert.com/showthread.php?t=5661712

    living in a coach flat above garages
    http://forums.moneysavingexpert.com/showthread.php?t=1867671

    Leased garage (Naughty neighbors)
    http://forums.moneysavingexpert.com/showthread.php?t=5777080

    Freehold house, leasehold garage - sign disclaimer?
    http://forums.moneysavingexpert.com/showthread.php?t=5768558

    Garage is apparently leasehold
    http://forums.moneysavingexpert.com/showthread.php?t=4987496

    New 2 Bedroom House/Flat Above 3 Garages - Why?
    http://forums.moneysavingexpert.com/showthread.php?t=4819055
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