Leasehold risk checklist
Leasehold Insurance Anomaly Check
Insurance terms can hide cost risk. Look beyond premium totals to excesses, exclusions, and unresolved claims history.
Built for England & Wales leasehold transactions.
Checklist
- Compare premium trend over at least 2 policy periods.
- Review policy excess values and whether they are proportionate.
- Check exclusions, endorsements, and high-risk clauses.
- Ask if major claims affected pricing or terms.
- Confirm allocation method for insurance charge to your flat.
Warning signals
- Sharp premium increase with no explanation.
- High excess values that could create sudden costs.
- Missing schedule pages or incomplete policy summary.
- Unclear treatment of recent claims and renewals.
Questions to ask
- What caused the latest premium increase?
- What is the applicable excess for key claim categories?
- Were there material claims in the last 3 years?
- Can you provide the full current schedule and renewal correspondence?
Apply this to your actual pack
This page is generic guidance. Use the app to review your own pack and get findings with document references and downloadable files.