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28 Jun 2007 12:00 AM by PMOUNTNEY72 Star rating in Lichfield. 219 forum posts Send private message

Hi,

Can anyone tell how much they pay for building, contents and life insurance?  Have you purchased it in England or in Spain?  Does it have public liability insurance and accidental damage (by tennants), loss of rental income etc.

Thanks

Paul



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Paul Mountney

www.golfroda.com



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28 Jun 2007 11:26 PM by gbzmep Star rating in Southampton. 33 forum posts Send private message

Hello Paul,

I used Intasure and bought the policy on the basis of the cover not the price as I am renting the property and wanted to be sure as much as possible is covered. The high level cover is as follows:

  • Buildings £50,000  - to cover internal rebuild, sanitary ware etc. £150 excess
  • Contents £   9,000  including accidental damage with £150 excess
  • Public liability - £5,000,000

I have a 2 bed penthouse and the premium is £123.74

Their web address is  www.intasure.com but shop around as other policies might suit your needs better.

Hope this helps,

Melvin




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02 Jul 2007 6:01 PM by yeomans Star rating in We live in Leicester.... 152 forum posts Send private message

I have heard that we only need contents insurance as the buildings are covered by Roda.  I haven't looked into this fully as we haven't yet completed.

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02 Jul 2007 8:12 PM by gbzmep Star rating in Southampton. 33 forum posts Send private message

You are quite right that buildings insurance is covered within the service charge, however, it is difficult to ascertain if this covers everything. My understanding is that it may only cover the re-building of the block and fitting of common parts, but not necessarily the fitting out of individual apartments i.e bathrooms, kitchens, etc.

I also doubt that this insurance would cover individual claims for damage to sanitary ware, securiy shutters etc so for the relatively small extra cost I have everything covered. Having said that,  it is for inidividuals to decide what level of risk they want to accept and hence what type of cover they want to pay for. Good Luck.

Regards,

Melvin




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