Resolved Question

Buildings Insurance - do I have a right to ask for a breakdown?

Hi there!!

I need some advice!

I am a leaseholder in a block of 6 flats (including mine). Last year my Buildings Insurance bill was £222.65 which covered September 2008 - September 2009.

Just before Christmas I received my Buildings Insurance bill which covers October 2009 to October 2010 and it has gone up to £349.98. Thats an increase of over £100 in just 1 year.

Considering there are 5 other flats, and I am assuming the other flats have had an increase in their buildings insurance too, that is an increase overall of approximately £600 in our Buildings Insurance.

I have received nothing with my bill explaining the reason for the large increase or proof that a cheaper quote could not be found.

After reading some forums, I understand that if one flat is bigger than another, the bigger flat should be paying a higher buildings insuance premium - is this correct? I know for certain that at least 2 of the flats are bigger than mine. I have a very small 1 bed flat.

Do I have a right to ask the Managing Agents for a breakdown of the Buildings Insurance and how it is split between all the flats? Do I also have a right to demand to know why it has gone up over a £100 and contest this?

My Managing Agents are a nightmare and always send my account off to the Property Debt Collection agency whilst I am trying to contest a charge - I have had serious issues with them since moving on over 2 years ago.

Therefore I want to make sure what my rights are before I send them an email asking for details on the Buildings Insurance.

Can anyone give me some advice?

Thank you so much!

Best Answer - Chosen by Voters

Most people in leasehold flats form their own Management Agency to take over the administration of the buildings

They do this because the Builders own 'Management Agency' typically RIP YOU OFF for everything from (un)necessary repairs, to grass (non)cutting to insurance ..... they are EXACTLY like Local (and central) Government - unaccountable bodies who extract money (Tax) and squander it in anyway that takes their fancy ... (you know why Local Councils lost multi-millions in Icelandic banks ??? because they had extracted so much unnecessary Council Tax that they could hold millions of ££'s of their ratepayers money 'in Reserve' = a habit that a lot of Management Agencies also have ..)

Unfortunately, it's a fact of life == either you manage your own financial affairs OR you get ripped off big time .. if the other Leaseholders are not interested, you had better start looking to move (& next time avoid Leasehold like the plague it is)

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Can she claim her home insurance?

My friend had just left her house minutes and as by the time she got to the gates at the end of her driveway. The house blew up, they already know that there was at least 2 bombs in the house, the house is completely destroyed. I want to know would there be any reason that she cant claim her insurance . If it matters the house was valued at around €1.67m and about another €1m of contents inside the house. Is there any reason she wouldn't be able to claim

Best Answer - Chosen by Asker

What? Standard home insurance does not cover acts of war or acts of terrorism. If either of these were the cause then the claim would be invalid under the terms and conditions of a standard policy. However, anyone with a property of that value may well have more than standard insurance cover.
So basically we can't give you an answer because it depends on the circumstances and what cover is in force.

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Other Answers (4)

• I am not expert on insurance but if knew there was 2 bomb in house, then it is your responsibility to let know your insurance. You have not clarified about bomb. Is it house built on old bomb sit or any other way. you need to clarify bomb story. If it built on battlefield and you did not know then there is possibility, if not then unable to claim.
• It depends on her policy. Under the most common policy, HO3, acts of war (including civil war, rebellion, or insurrection) aren't covered. But it's going to depend on her policy and what country you're in. She should really contact her insurance agent and go over her policy.

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• Do you live in the Middle East? Bombs in a house? Acts of war may not be covered.
• not a chance
  what where 2 bombs doinh in the house
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Are you a worrywart or a laid back chiller?

i am becoming a chiller

Best Answer - Chosen by Asker

i worry that this has nothing to do with insurance.

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• I'm a bit of a worrywart, i need to learn to become a laid back chiller. Constant worry is not good for you.
• I am old enough to know that things have a way of working out in the end. I expect things to be OK, and mostly they are. Worrywart? No way.
• I worry about having nothing to worry about.
• i worry constantly

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I may be charged by tesco online dvd rental due to returning dvd a day late? Help!?

Ye basically due to incompetent postal service I will be charged as the dvds rented will not arrive back in time to cancel by subscription before the free trial ends. (2 weeks) Is there anyway I could avoid getting charged then they will forget about it because they recieve the dvds like a day later?

I was thinking about withdrawing all the money from my debit card (which is only like £50) and then they can't take the money off me, then will resolve by emails. Will this cause problems? Thanks

Best Answer - Chosen by Asker

i am afraid that this is a lesson of learning for your life..... sadly in this day of age , unless you have hard evidence like proof of posting) or registered delivery ..same sort of thing ) or proof via email on hard drive or recording of phone calls ...like they do to you!.B***rds, then you will simply end up paying more and more through interest ,debt reclaiming agencies etc , court fines .


Its not a judgment apon you , its just the way the world is starting to work .. To think that Tesco`s care about their customers is a joke , its how they make their money (same as most big companies) ... Just pay up and look big and maybe get yur revenge back apon them another day.

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• Book in advance.Hear a mental breakdown coming on.Chill.
• You will get bank charges, and still have to pay for the dvd's, if you withdraw all the money

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Are You Looking To Save Money On Your Car Insurance?

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F*ck no Bugs

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• GoCompare :-)

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• Ah, simples!
• No but I'd like to compare my meerkat!

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Life insurance - help!!!?

my nan passed away a couple of weeks ago of cancer, her life insurance will pay out to cover her funeral costs and should go to my mum who has been her sole carer for 5 years but before they will release funds they are asking for my grandads Signature, although they are not divorced they are separated and not on good terms. is there anyway around this? she did not want him to know she was poorly let alone that she has now passed away. please help!

Best Answer - Chosen by Asker

If they are asking for a signature from your grandfather, that likely means he is listed as the beneficiary. The beneficiary has first dibs on the money and that is undisputable. Even a Will can't turn that over. It's been tried before and it's never been successfully challenged and overturned.

Next of kin means nothing if there is a beneficiary listed. The beneficiary gets it, done deal.

If no beneficiary is listed it will go to the estate and the money will be distrubuted as detailed in the Will. The key in this case is that Will's are public record AND contestable in court. If this is the case with you, where no beneficiary has been listed, you can challenge the Will in court and plead your case that your mother should be getting the money.

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• I'm assuming you're in the UK. If she left a will, the money would go to her executor. If she didn't your Mum could apply to the Probate Office for letters of administration and she could collect the money as administrator. Where's there's not much money involved, an insurance company will usually pay out to the next of kin without the need to go to probate. Unfortunately, her next of kin is your Granddad, and without probate, the money goes to him to do what he likes with it. You will need to contact him to see if he will agree to the money being used for funeral expenses. If you don't, he could sue you for delaying his money by not telling him your Nan has died.
• Strictly speaking, the money should go to your grandad as next of kin. Your mother is not entitled to it simply because she was the carer. You say your nan and grandad were not on good terms, but presumably you and your mum get on alright with him. Even if not, my advice would be that either you or your mum speak to your grandad to see if he will agree to your request. I can see no other way around it because it's definitely his money.
• http://lifeinsuranceestimate.info/ has a lot of information on various life insurance providers and has a short form you can fill out if you want and it will give you several different quotes of different companies.

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• It does help provided you do not allow it to lapse. In your particular case, you should seek legal advice. A trip to Citizens Advice Bureau may sor the matter out.

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RE - Travel insurance.?

I am 72 years of age and wish to have a holiday in Canada, I have discovered that my 'Travel Insurance' wil be DOUBLE someone of 62 years. I work out at a gym twice a week and jog every day (about 4 miles) Isn't doubling my insurance because of my age illegal and ageism discrimination?

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If You are in the U.K. I would recommend Direct Line, I have pre existing medical condition, I have always found them reasonably priced on travel insurance !

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Other Answers (2)

• no,it's just an actuarial fact,you will likely die much sooner than the 62 year old,regardless of your "workouts"....as a matter of fact,actuarially speaking you are likely to die while working out....never mention that you workout regarding any insurance purchases....it will only increase your cost not decrease it....have a great jog,,,,,
• Nope. All insurance premiums use age as a criteria