Quote request

Blocks of flats insurance quote

Give us the block details — number of flats, rebuild sum insured and who arranges the cover — and we'll quote the whole building.

Prefer to talk? 03330 50 2088 Read about this cover

About you

Name

Phone

Title

Date of birth (main proposer)

Correspondence address

Town / city

Postcode

Country of residence

Occupation or business description

Years of experience as a property owner / landlord

Current insurer and renewal date (if any) (optional)

Preferred contact method

Proposer details

Proposer type

Number of properties to be insured

Is the proposer a property developer?

Does the proposer habitually reside in England, Scotland, Northern Ireland, Wales or Isle of Man?

Policy inception date

Is/are the proposer(s) considered vulnerable?

Personal history

Has the proposer or any director or partner (in the business or any other name under which they have traded) been convicted of, or is in the course of being charged with, any criminal offence (excluding driving offences and spent convictions)?

Has the proposer or any director or partner been declared bankrupt or been a director of any company that went into liquidation?

Has the proposer or any director or partner ever had any insurance declined, refused or cancelled by an insurer?

Do you, any director, trustee or proposed insured have any adverse credit history or county court judgments (CCJs)?

About the property

Your role

Building type (optional)

Property details

Number of flats in the block

Risk postcode

Risk address line 1

Risk address line 2 (optional)

Risk town

Risk county (optional)

Year of build

Is the property a listed building?

Cover required

Buildings sum insured (rebuild cost) (£)

Is accidental damage cover required for buildings?

Contents sum insured (£)

Is accidental damage cover required for contents?

Occupancy details

How is the property currently occupied?

Property construction

Number of storeys including any basement, loft or attic accommodation

Is any part of the property flat roofed?

Is the building in a good state of repair? (secure, structurally sound, weatherproof, no evidence of dry rot, rising damp or infestation, and no damage to the roof or chimney)

Is the property heated solely by electricity, and/or mains gas, and/or solid fuel and/or oil fired central heating?

Is the property built solely with brick, stone or concrete walls (not pre-fabricated concrete), or timber framed with brick, stone or concrete outer walls only, and a slate, tile or concrete roof (other than flat roof sections)?

The premises

Lifts, cladding or communal heating? (optional)

Has the property ever been flooded and/or is it located within 10 metres of the sea, river, watercourse, lake, reservoir, canal or dam?

Is the property within 100 metres of a cliff, quarry or other excavation?

Is the property having any structural alterations, or major renovation work affecting load bearing walls or the roof, or are any such works being planned?

Is the property currently having any other building work undertaken, or planned within the next 12 months, that will cost more than £25,000 (including redecoration)?

Has the property experienced any existing or previous stepped/diagonal cracking, subsidence, ground heave, landslip, movement or underpinning?

Is any part of the property ever used for commercial business (other than as a second home or holiday let), whether to be insured on this policy or not?

Material facts and previous losses

Do you need to provide any other material facts in relation to this proposal or property? (If yes, please give details in the box at the end)

Have you suffered any loss or incurred any liability, whether insured or not, during the last 3 years as a result of the risks proposed (at this or any other premises), or had any claims made against you?

Anything else

Anything else we should know? (optional)

Prices shown on this page are indicative only. We'll only use your details to respond to your enquiry.

Indicative pricing

Block policies are rated per building on the declared rebuild sum insured. As a guide, expect the following.

Small converted block (2–6 flats)
from £38 per month
Buildings, communal areas and property owner's liability.
Purpose-built block (7–20 flats)
from £95 per month
Includes communal contents and employer's liability for contractors.
Larger block (20+ flats)
from £210 per month
Terrorism, lift and engineering inspection options available.

Any guide prices are based on typical risks. Your premium and applicable Insurance Premium Tax are confirmed once an insurer has reviewed your details.

What affects your price

Declared rebuild sum insured for the whole block
Number of flats and how many are let out
Age, height and construction of the building
Presence of lifts, communal heating or cladding
Claims record, especially escape of water

Cover to discuss

Availability, limits, exclusions and conditions depend on the insurer's terms. These items are not confirmation of cover.

Buildings cover including communal areas and outbuildings
Property owner's liability for shared spaces
Loss of rent and alternative accommodation for leaseholders
Optional directors and officers cover for RMC/RTM boards
Adverse credit history and criminal convictions considered on a case-by-case basis