Insurance

Why Does my landlord Arrange Cover against Terrorism?

Sadly, the UK remains at substantial risk of terrorism attacks, and the landlord insures against this. The premiums charged for individual buildings take into account that some areas may be more at risk than others.

If an uninsured property was destroyed or seriously damaged by a terrorist act, homeowners could be liable for the uninsured cost.

The First Tier Tribunal generally agrees that terrorism cover is appropriate.

The Royal Institution of Chartered Surveyors Management Code provides that serious consideration must be given to arranging cover.

It is your landlord’s current policy to arrange cover for all of its properties.

The cost of this cover is currently reducing against the background of a generally more competitive Insurance Market.

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? Am I in a flood risk area and how does that affect my insurance? How is my excess determined? How are premiums apportioned between the homeowners in my block? Penult Capital Partners Ltd arranges the insurance on our behalf.