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  • myself and the other flat need, I think, a joint policy.

    You do. Otherwise it gets very complicated when the roof leaks or a car crashes into the ground floor flat and the first floor flat falls on top of it.

    Start here for doing the right thing: http://bfy.tw/8cD

  • Cheers but that mainly brings up insurance firms with mutual in their name.

    We already have a policy but it's been creeping up in price each year and I want to check it's reasonable.

    The mention of roof leaking leads me onto another question, is that something you can claim under insurance (assuming it's just wear and tear). I'd assumed not.

  • That's what I meant - mutual insurance companies are a bit nicer and fluffier than private or public ones.

    A leaky roof ought to be covered on insurance but I guess it'll be specifically mentioned in the policy wording.

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