What can I do if my landlord fails to insure the building?
You should first check the terms of your lease to establish what the insurance provisions are and who is responsible...
You are entitled to place insurance with your choice of insurer provided notice is given to the landlord and certain requirements relating to the cover are met.
The insurance policy must:
- be with an ‘authorised insurer’, which means an insurer operating within the requirements of the Financial Services and Markets Act 2000;
- cover the interests of both the leaseholder and the landlord;
- provide cover to a sum not less than the amount required under the lease;
- cover all the risks which the lease requires be covered by insurance.
You must serve a prescribed Notice of Cover on your landlord no later than 14 days after having placed the insurance (or within 14 days of any request by the landlord).
The prescribed form and contents of the Notice of Cover in relation to England can be found here.
The prescribed form and contents of the Notice of Cover in relation to Wales can be found here.
More information you might find useful:
- Service Charges and other issues: Insurance through the landlord’s nominated or approved insurer
- More Frequently Asked Questions on Houses
- More Frequently Asked Questions on Insurance
- legislation.gov.uk (external website)
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