Blocks of Flats

This product was designed to be competitive for purpose-built blocks of flats, but can cover private dwelling houses.

We can offer particularly good deals for:

• Post-1960 built, or converted blocks of flats, and single or multiple premises
• Standard construction including concrete floors
• Over three years old and up to 10 stories in height
• Professional lets, owner-occupied, or mixed tenants
• Majority occupied
• Declared value £1m–£10m
• Low flood and subsidence exposure
• Well-managed (on-site personnel, maintenance, caretaker)
• Good security (electronic entry, 24-hour concierge, alarms), and moderate values for fixtures and fittings
• Some commercial element to the block is acceptable (e.g. retail on ground floor)

We are happy to consider portfolios that include converted blocks of flats and private dwelling houses (at least three properties per policy).

Risks we don’t write – or write only rarely as a small part of a wider portfolio – include:

• Student accommodation
• Social housing/housing associations
• Holiday lets
• Standalone commercial premises
• 100% unoccupied blocks or blocks undergoing refurbishment
  

• We put you in touch with a tradesperson from our carefully selected panel.
• You pay cost of any work done, but where damage is caused by an insured event you can submit cost as part of your claim.
• If damage is significant, we put you in touch with our loss adjusting service.

• We offer fast, efficient service and impartial advice to agree the best course of action for each claim.
• Our office-based loss adjusters use video technology to deliver swift assessment and settlement of suitable losses (typically up to £10,000).
• Our field-based commercial property adjusters carry out face-to-face, on-site assessments for higher value and complex losses.
• Our LAS team has instant access to RSA Underwriting teams and policy details, enabling them to make quick claim decisions and authorise prompt claims payments to customers to help with cash flow for their business.

• Claims above a certain size and complexity need a different, often project managed approach, so our large and major loss claims handling team is made up of our most experienced claims specialists.
• The team have the skills to manage major events and protect your customers’ financial and reputational interests. 

• We work with you and your customers to plan for serious losses with potential high impact to their business.
• Our technical claims specialists will consider a potential high-impact loss scenario, discuss how the policy may respond in the situation, what action we as an insurer may take, and if necessary what risk controls could be taken to prevent the incident ever taking place. 

• A comprehensive range of reliable service providers – from drainage experts to validation and replacement of content items.
• This provides your customers with access to a large network of vetted suppliers who provide a range of property services at a competitive agreed schedule of rates.
• We ensure suppliers meet our challenging service level targets, delivering for your customers by monitoring each claim using a unique web-based platform to track both progress and costs.