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Excessive Buildings Insurance Charges from a Freeholder: What to Do

Challenging high buildings insurance costs in a leasehold block.

Excessive Buildings Insurance Charges from a Freeholder: What to Do Property Legal, Risk & Compliance

Updated October 2026 · Fraser Bond

Leasehold · Insurance

High buildings insurance charges

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Commissionsdisclosed
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Tribunalchallenge
In short: In leasehold blocks, the freeholder usually arranges buildings insurance and recharges it through the service charge. Leaseholders are entitled to information about the policy and to challenge costs that aren't reasonably incurred. Recent leasehold reforms aim to improve transparency on commissions and fees. Ask for the schedule, the premium history and any commissions; compare with alternative quotes; and, if needed, apply to the First-tier Tribunal. Fraser Bond provides transparent block management.

How it works

1
Request detailsPolicy schedule, premium history and commissions.
2
CompareGet alternative quotes for similar cover.
3
Raise itWrite to the freeholder or managing agent.
4
Work togetherOrganise with other leaseholders.
5
TribunalApply to the First-tier Tribunal if needed.

Frequently asked questions

Can I insure my own flat instead?

Usually not; the lease normally requires the freeholder to insure.

Do freeholders earn commission?

Sometimes; you can ask for it to be disclosed.

Can I challenge the premium?

Yes, if it isn't reasonably incurred.

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