Insurance

How is my excess determined?

If a building has one or more claims, insurers may increase excesses to reflect this. Insurers maintain large amounts of data on the probability of incidents such as flood, escape of water and other claims affecting particular areas or types of building. Excesses imposed therefore also reflect insurers’ view of these risks.

Where can I find Leaseholder Disclosures and Policy Documents for my Home? Can I challenge your insurer’s premium level? What Leaseholder Disclosure’s does the FCA specify? What is the outcome of the March 2026 insurance renewal? Why Does my Freeholder Receive an Insurance Revenue? Do I need to have my mortgage company’s interest in the insurance policy noted? Why does the policy cover the Landlord’s Contents? What is the purpose of the Alternative Accommodation/Loss of Rent cover? Does an EWS1 Rating automatically reduce Insurance Rates? How are we approaching the 2026 insurance renewal? My block is awaiting removal of unsafe cladding. The building is safe to occupy however because we have waking watch/an upgraded fire alarm. Why did my premium still increase? Could alternative insurers offer a better price? I have never made a claim, shouldn’t my premium be lower? How can I ask any insurance questions not covered here? How can I obtain a copy of my insurance certificate? When do I have to pay my premium? Can I arrange insurance myself, without involving the landlord? Why does the landlord place insurance for its whole portfolio, not separately for each building? Why Does my landlord Arrange Cover against Terrorism? Am I in a flood risk area and how does that affect my insurance? How are premiums apportioned between the homeowners in my block? Penult Capital Partners Ltd arranges the insurance on our behalf.