Insurance Cost Sense Check

    Understand the information you have about your building's insurance and find useful questions to ask.

    This quick check is not a quote and cannot tell you whether your premium is reasonable. You can still use it if you do not have all the information. No account or contact details are needed, and your answers stay in this browser tab - they are not saved or sent to us.

    Question 1: How many residential flats are in the building?
    Question 2: What is the annual buildings insurance cost attributed to this building?

    Use the annual amount for the whole building, not just your own contribution.

    Does this amount include insurance premium tax and any separately charged fees?

    This affects what can be compared. The check will not assume or add any missing taxes or fees.

    Question 3: Does the policy cover more than one building?

    Policy covers more than one building

    Question 4: What was the insurance cost attributed to this building last year? (optional)

    Use a comparable annual period, on the same basis for taxes and fees as the current figure.

    Question 5: What is the insured rebuild value? (optional)

    The insured rebuilding cost shown in the policy information, not the market value of the flats.

    Question 6: Are you aware of any of the following?

    These can affect the availability and cost of cover, but this check cannot work out their effect.

    Commercial premises in the building

    Building safety or cladding concerns

    Significant recent insurance claims, such as a major escape of water or fire

    Question 7: Have you seen the policy information and insurance cost breakdown? (optional)

    Seen the policy information and cost breakdown