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Law Denning, Solicitor
Category: UK Property Law
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I own a top floor flat in a converted house. The owners of

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I own a top floor flat in a converted house. The owners of the other flat in property are in the process of selling their flat. We have always purchased our own individual building insurance. The buyers of the flat below have requested to see my building insurance schedule. I find this quite intrusive. Am I legally obliged to divulge this information?

Submitted: 12 months ago.
Category: UK Property Law
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Expert:  Law Denning replied 12 months ago.

Have they given a reason for asking?

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Customer: replied 12 months ago.

They want to know if I am sufficiently insured.

Expert:  Law Denning replied 12 months ago.

Who owns the freehold? Is it owned between you and the other flat? If so, then yes, you are under a duty to disclose that information. I must admit, I can't really see why asking for insurance details is intrusive. I assume that you do have insurance for the buildings (in accordance with the terms of your lease) and that it is for an adequate sum assured.
If, for some strange reason, they feel that you are not providing insurance, and it is holding up their sale and you are not jointly owning the freehold, then there are at liberty to ask the landlord to provide proof of insurance, the landlord will ask you and you must provide it to the landlord. I'm sorry, but I can really see nothing to gain by not disclosing insurance, provided you have it. You do have it, don't you? If you don't provide it willingly. They will assume that you do not have it.
L

Law Denning, Solicitor
Category: UK Property Law
Positive Feedback: 96.5 %
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Experience: PGD Law. 20 years legal profession, 6 as partner in High Street practice
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