Flats Insurance Quote

Please answer the questions carefully and to the best of your knowledge, as our quotation will be based on the details you provide. Incorrect information could lead to an increased premium, claim being declined or invalidate an insurance.

Step 1 of 4 - Insurance proposer

Enter details about the insurance proposer

Renewal or cover start date?*

Quotes valid for up to 30 days

Is the property insured in name of a sole freeholder, joint freeholders, residents, management or RTM company?*

Select from the following:

Sole freeholder
Joint freeholders
Residents association
Management company
Right to Manage (RTM) company

Sole freeholder*

Title First name Surname

Names of joint freeholders*

Title

First name in full

Surname (click plus sign to add more freeholder(s)

CLICK ⨁ BUTTON TO ADD MORE JOINT FREEHOLDER(S) NAMES

Full name of the residents association, management or RTM company?*

Do you recharge the cost of the buildings insurance to the leaseholders / tenants?*

Excluding anyone named as a policyholder

ℹ

Do you recharge the cost of the buildings insurance to the leaseholders / tenants?*

Excluding anyone named as a policyholder

ℹ

Email address?*

Enter Email Confirm Email

Telephone number?*

Please enter a valid phone number in UK format, starting 07, 01, 02 or +44, with no spaces

Enter details about the property to be insured and the occupancy

Address of property to be insured?*

Enter postcode, then select address from drop-down
England, Wales & mainland Scotland addresses only

Postcode 1st line 2nd line Town / city Postcode

If you cannot select the complete first line of the property address, add it here, otherwise if correct, leave blank

Total number of flats in the building / block?*

We only insure all of the flats in the building / block

Overall occupancy of all the flats in the property?*

Choose from the drop down box below

Number of flats that are unoccupied?*

Please enter a number from 1 to 50.

Type of occupants?*

Choose from the drop down box below

Type of occupants?*

Choose from the drop down box below

Is the block of flats purpose built or conversion?*

Approximate year property first built?*

Approximate year property purchased?*

Construction of the external walls?*

Type to use search 🔍

Construction of the roof?*

Type to use search 🔍

Approximate percentage of any flat roof?*

Construction of the floor?*

Total number of storeys, including any basements and lofts converted to flats?*

Maximum number of four stories

Is the property listed?

About the property to be insured and the proposer(s)

Is the property in a good state of repair and to your knowledge, free from damage or defect and will you continue to maintain it properly in the future?*

Do you plan on carrying out any renovations, conversions, extensions or other structural alterations to the property in the next 12 months?

Is the property within 400 metres of any riverbank, sea front, lake, reservoir or quarry?

Please give details*

Has the property or the neighbouring area ever flooded or in an area at risk of flooding?*

Has the property ever been damaged by subsidence, ground heave or landslip, monitored for subsidence, survey reported settlement or movement, showing signs of cracking or within an area subject to subsidence?*

Please give details*

Are there any trees or shrubs over 5 metres tall within 5 metres of the property?*

Details of each tree over 5 metres tall within 5 metres of the property?*

If you do not have all the information you can save and return later, as incomplete answers will mean we cannot quote

Click ⨁ to add more row(s)

Tree on your land (yes or no)?

Species of the tree?

Approximate height of the tree?

Approximate distance away from the property?

Any unspent criminal conviction(s) or been charged (but not yet tried)?*

Please give details*

Ever been declared bankrupt, insolvent or the subject of bankruptcy, insolvency or a County Court Judgement?*

Please give details*

Ever had a proposal declined, had a policy cancelled by an insurer, renewal refused or had special terms imposed?*

Please give details*

Made any claims under property insurance policy for this or any other property or any incidents of damage or loss not insured, in the last 5 years?

Please give details*

If you do not have all the information you can save and return later, as incomplete answers will mean we cannot quote

Click ⨁ to add more row(s)

Month / Year

Type of Claim / Brief Description

Cost £

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IMPORTANT INFORMATION WHICH MUST BE READ IN FULL

The information contained in this Statement of Fact forms the basis of your policy and is fundamental to the risk assumed by the Insurers. You must notify Ember JD Insurance Brokers immediately if any of the above details are incorrect as your cover might be invalidated if you do not.
Misrepresentation
We declare that to the best of my knowledge and belief the information I/We have provided in connection with this proposal to Ember JD Insurance Brokers, whether in my own hand or not, is true and complete and I/We have not withheld or misrepresented any information. I/We ask underwriters to act upon the information provided and issue a contract of insurance between us and I/We agree to accept underwriter’s policy terms, conditions and exclusions. I/We consent to the seeking of information from other insurers to check the answers I/We have provided and I/We authorise the giving of such information for such purposes. I/We understand that if I/We have withheld or misrepresented any of the information contained in this proposal, underwriters may be entitled to void the insurance.
Data Protection Act 1998
By accepting this Statement of Fact you consent to Ember JD Insurance Brokers using the information we may hold about you for the purpose of providing insurance and handling claims, if any, and to process sensitive personal data about you where this is necessary (for example, health information or criminal convictions). This may mean we have to give some details to third parties involved in providing insurance cover. These may include insurance carriers, third party claims adjusters, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities. Where such sensitive personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates both to the disclosure of such information to us and its use by us as set out above. The information provided will be treated in confidence and in compliance with the Data Protection Act 1998. You have the right to apply for a copy of you information (for which we may charge a small fee) and to have any inaccuracies corrected.
Basis of Cover
I understand that my acceptance of this Statement of Fact does not bind me to complete the insurance but agree that, should a contract of insurance be concluded, this Statement of Fact and the statements made in it and the information provided in connection with it will be relied upon by the underwriters in deciding whether to accept this insurance.
Your records
You should keep a record (including copies of any letters) of all information supplied to Ember JD Insurance Brokers for the purpose of entering into this insurance.
Change in Circumstance
You must inform Ember JD Insurance Brokers of any change in circumstances which may affect this insurance. If you are in any doubt you should consult Ember JD Insurance Brokers.
The Consumer Insurance (Disclosure and Representations) Act 2012 sets out situations where failure by a policyholder to provide complete and accurate information requested by an insurer allows the insurer to cancel the
policy, sometimes back to its start date and to keep any premiums paid. The Act also places a duty on the Insurer to ensure that the questions they ask the policyholder are clear, specific and not misleading.
Notice to the Proposer / Insured: The parties are free to choose the law applicable to this insurance contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.
Complaints
Any enquiry or complaint should be addressed in the first instance to your broker, Ember JD Insurance Brokers. The process for complaining can be found in the Complaints section of your Policy Wording.
The Financial Ombudsman
If you are still not satisfied with the way a complaint has been dealt with you may ask The Financial Ombudsman to review your case without prejudice to your rights in law. You can contact The Financial Ombudsman at:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Telephone: 0800 023 4567
www.financial-ombudsman.org.uk.

INSURANCE SINCE 1919

Enter details about the insurance proposer

Enter details about the property to be insured and the occupancy

Enter details about the buildings cover required

About the property to be insured and the proposer(s)

Property types

○ Commercial Property Insurance
○ Flats Insurance
○ Maisonettes Insurance

Occupancy types

○ Home & Annexe Insurance
○ Let Home Insurance
○ Unoccupied Home Insurance

Specific types

○ Home & Garden Room Insurance
○ Leaseholders Improvements Insurance
○ Single Flat Buildings Insurance

Enter details about the insurance proposer

Enter details about the property to be insured and the occupancy

Enter details about the buildings cover required

About the property to be insured and the proposer(s)

Property types

○ Commercial Property Insurance○ Flats Insurance○ Maisonettes Insurance

Occupancy types

○ Home & Annexe Insurance○ Let Home Insurance○ Unoccupied Home Insurance

Specific types

○ Home & Garden Room Insurance○ Leaseholders Improvements Insurance○ Single Flat Buildings Insurance

○ Commercial Property Insurance
○ Flats Insurance
○ Maisonettes Insurance

○ Home & Annexe Insurance
○ Let Home Insurance
○ Unoccupied Home Insurance

○ Home & Garden Room Insurance
○ Leaseholders Improvements Insurance
○ Single Flat Buildings Insurance