Block of Flats Insurance

Organising insurance for leasehold flats and apartments usually referred to as “Block of Flats Insurance” or “Block Insurance” is a huge responsibility. Whether you are a Residential Management Company, Right to Manage Company (RTM), Residents Association or a private individual with the responsibility to organise your Block Insurance we can help.

We can arrange competitive cover for anything from 2 converted flats to a large purpose built block with 100+ flats. We work with most major leading UK insurers with market leading products. We understand that price is an important factor for most residential blocks, that’s why we search our broad panel of insurers to find the best deal. You’ll also be assigned your own personal representative to work with including any claims assistance.

If your property is of non-standard construction, is listed or has an adverse claims history then we can help you too.

We can offer comprehensive block insurance cover for

  • Buildings including (but not limited to) accidental damage, water damage, fire, Theft & vandalism
  • Buildings including garages, outbuildings and communal grounds
  • Inflation provision of up to 50% of the property rebuild value with adjusted sums insured for inflation
  • Up to 90 Days unoccupancy clauses available
  • Loss of Rent / Alternative Accommodation Cover
  • Communal Contents including fitted Carpets
  • One excess per claim (not per flat)
  • Trace & Access cover for locating water leaks etc.
  • Property Owners Liability up to £10m for third party liability
  • Employers’ Liability for regularly employed staff E.g. gardeners, property maintenance workers & care takers etc.
  • Option to add Legal Expenses

You may also wish to consider

  • Residential Directors’ & Officers Insurance (also known as Management Liability)
  • Engineering & Inspection Insurance for periodic inspection of elevators, chair lifts, communal boilers and water pumps etc.
  • Tax Investigation Insurance

Should you choose to appoint us as your broker then we will swiftly e-mail documents and any relevant Certificates to you. Duplicate documents by email will also be available on request during the policy year for no additional charge.

We’d love to help you with your Block Insurance, contact us or request a call back and get covered today!

How we add value...

We work with you to identify, measure, manage, reduce and eliminate risks to your business. This in turn will help limit the chances of suffering a loss and will often result in premium discounts.

We often highlight risk exposures that you were not even aware of.

We act as your agent and working for you in the event of a claim. We are there to remove the common anxieties and burdens that are associated with making a claim. Limiting disruption to your business and daily life is important to us.

You’ll receive a personal service

Regardless of size, we believe every client should be treated with the respect and provided with the service they deserve. Buying insurance can be a daunting and time consuming task, that’s why we work closely with you to understand your needs and make the whole experience of reviewing your insurance a pleasant and seamless one. Every client matters to us!

We are independent and impartial

John Whippy Insurance Brokers are completely independent and are not tied to any one or limited panel of insurers. As one of our 5 pledges to you, we will transact business with your best interests in mind. In other words we will carry out an independent market analysis on your behalf and offer the best value for cover we can from our extensive range of insurers.

How we transact business

Upon completion of our full market review we will present the options to you so you can make an informed decision. Our sales are on an advised basis which means we will make recommendations to you based on your requirements, be it price, cover, insurer background or coverage flexibility etc. We don’t over or under sell, we just offer you what you need.

No Call Centres! Deal with the same individual and build trust!

No numbered options, pre-recorded messages, repeating conversations or scripted questions. Our staff are professional and will seek to establish your requirements through open, honest and genuine conversations. We believe it’s important to listen to what is important to you! We can communicate with you by telephone, e-mail or we are happy to arrange face to face discussions and visit you.

Don’t pay over the odds!

Challenge us to beat your renewal premium and work closely with one of our experienced, knowledgeable and qualified team members. Contact us or request a call back to get professional advice and obtain valuable insurance cover at competitive premiums!

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