Residentsline's sole focus has always been insurance for flats and apartments.
Today, 26 years on, Residentsline is recognised as understanding the intricacies, risks and requirements that are unique to the flats market.
Our team of dedicated, friendly insurance experts are passionate about delivering superior products and excellent customer service, making life easier for you.
We pride ourselves on our ability to:
• manage claims quickly and efficiently;
• work closely with Property Managing Agents to ensure their clients receive the best cover at the best price;
• deliver market-leading protection through our panel of preferred insurers;
• provide online 'property portals' to assist Residents' Management Companies and Property Managing Agents;
• offer exclusively enhanced policies;
• provide freeholders and Residents' Management Companies with the confidence they need to satisfy their owners' requirements; and
• invest in our staff and systems to ensure consistently great service.
Residentsline are proud to be an affiliate member of ARMA (Association of Residential Managing Agents).
Alongside this, our Managing Director, Belinda Bagnall, is an honorary consultant for the FPRA (Federation of Private Residents' Associations), meaning we are always able to stay ahead of our customers' insurance needs.
Our dedication to understanding our market is evidenced by our healthy retention rate and customers who have been with us from the start.
With a close-knit team, a name you can trust and your call answered in person, we know we have a business people enjoy dealing with. Call
Are you looking for bespoke cover and highly competitive premiums? Would you like to find out more about buildings insurance for flats?
Then you've come to the right place.
At Residentsline, we only provide specialist blocks of flats insurance. All our exclusively designed insurance policies are underwritten by A-rated insurance companies who offer dependable, market-leading cover With our buildings insurance for flats, you can always be sure that you're receiving the most comprehensive protection available at the most competitive price.
Insurance for Blocks of Flats
Our flats insurance policies are recognised as one of the most reliable policies on the market. They provide cover on an 'All Risks' basis, which basically means you'll be protected against the widest possible range of risks.
That includes damage caused by fire, flood, subsidence, storm, ground heave, as well as accidental and malicious damage, theft, damage caused by riot or civil commotion, and escape of water or oil.
Our flats insurance policies covers the bricks and mortar of the building, as well as furnishings and contents; this protection also extends across any external buildings, garages, swimming pools, garden walls, patios, roads, driveways, underground pipes, communal areas, plus a great deal more.
With Residentsline you will automatically receive a 24-hour claims line and emergency service helpline, so you'll never be without the support that you need.
All our policies are provided alongside gold standard levels of cover to give you and your fellow residents peace of mind.
Review our policy wordings online so that you can see what extras we provide.
What will my Block of Flats policy cover me against?
We provide a range of 'All Risks' policies.
Our building insurance for flats will cover your block of flats or apartments against perils such as:
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• Fire Lightning
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• Earthquake Storm
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• Flood Malicious Damage
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• Theft Subsidence
• Ground Heave and Landslip
For a full specification of everything we cover, please refer to our website at www.residentsline.co.uk.
Whether your property is a purpose-built block, a mill, house, hotel, or converted block of flats, don't worry – we provide insurance which can cover all. Our comprehensive policies will cover internal and external features of your flats, such as:
• Interior decorations, kitchen and bathroom fixtures, fixed glass and light fittings;
• Outbuildings, garages and car ports;
• Spas, swimming pools and tennis courts used by residents for domestic and leisure purposes;
• Garden walls, roads, car parks, lampposts, underground pipes, cables and overhead services;
• Landlord's fixtures and fittings and lessee's improvements; and
• Any common areas to the insured property, including furniture, furnishings and other property of the Insured or for which the Insured is responsible.
For a full specification of everything we cover, please refer to our website for our Policy Wordings and Product Downloads.
You will also automatically receive all these extras:
• Loss of/damage to contents of communal areas;
• Alternative accommodation or loss of rent;
• Legal liability for injury to employees;
• Legal liability for injury to the public or residents;
• Replacement of communal door locks following a theft of keys; and
• Loss of Residents' Management Company cash.
To begin your journey with us, start by getting your free Block of Flats Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
Our comprehensive policy with AVIVA Insurance provides Directors and Officers Liability Insurance AND Corporate Legal Liability, giving your Directors and your Company the protection you need.
As an Officer of a Residents' Management Company, you have many legal responsibilities and may be held personally liable for any decisions or actions taken whilst working in your position as a Director or Officer
Here at Residentsline, we recommend taking out Directors' Liability Insurance to protect yourself and any other Directors or Officers against the cost of potential compensation claims against any alleged wrongful acts.
What is Directors and Officers Liability Insurance?
Directors and Officers Liability Insurance protects Directors and Officers against the costs of potential claims for any alleged wrongful acts.
Our premiums start from only £95.
What is Corporate Legal Liability Insurance?
Corporate Legal Liability protects your Residents' Management Company against the financial consequences of potential claims..
Our Corporate Liability Insurance policy cover includes the cost of defence, as well as the amount of awards and damages resulting from any claims made against the Company
Our AVIVA Legal Liability Insurance policy automatically includes Corporate Legal Liability Insurance with an indemnity limit of £100,000.
How can I get a Directors and Officers Liability Insurance quote?
To begin your journey with us, start by getting your free Directors and Officers Liability Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
It may be tempting to leave out Terrorism Cover when considering your Flats Insurance to save money. However, this cover may be required to satisfy your lease or lender.
When deciding whether Terrorism Cover is for you, consider the following:
• Does my lease require my Flats Insurance to include Terrorism Cover?
When deciding whether to take out Terrorism Cover, you should always check your lease to see whether it is a requirement. The Council of Mortgage Lenders states that insurance needs to be arranged as required by your mortgage lender. Therefore, if any of the flats in your block have a mortgage, you should check to see whether Terrorism Cover is an obligation.
• Could my block of flats be a target?
Although larger cities are generally considered to be at the highest risk, it is impossible to guarantee that even the quietest rural towns are not susceptible to attack. Whilst the consequences will always be difficult to envisage, it is wise to protect yourself should the worst happen.
• Could I be personally liable if I do not include Terrorism Cover?
Directors legally have personal responsibility for their decisions and actions taken on behalf of the Residents' Management Company
By adding Terrorism Cover when arranging or renewing your Flats Insurance, you are protecting your own and your fellow freeholders' and leaseholders' assets.
Don't take the risk of leaving your residents uninsured.
How can I get a Terrorism Insurance quote?
To begin your journey with us, start by getting your free Terrorism Insurance quote.
You can do this by calling us on 0800 281 235 to speak to a friendly member of our team who will provide you with all the details you need.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
Under health & safety regulations, there is a duty for Companies to ensure that their passenger lifts are formally inspected by a competent authority every 6 months. Lifts would include passenger lifts, window cleaning hoists and winches fixed to the roof of the property.
A record of these inspections must be kept and a certificate issued. Whilst a lift may have a maintenance agreement in place, this agreement doesn't normally include the statutory inspection requirement.
To help comply with the Lifting Operations and Lifting Equipment Regulations 1998 (LOLER), Insurers offer an inspection service under an Engineering insurance policy Insurers can also extend the policy to include damage to a lift following its breakdown.
Most property owners or blocks of flats insurance policies will cover damage to passenger lifts as a result of an insured peril such as fire, accidental damage and malicious damage.
However these policies do not normally extend to cover damage caused by the breakdown of the passenger lift, hence the need for an Engineering policy
Residentsline has negotiated very favourable rates for Lift Insurance and Inspection, as shown below:
Lift Inspection Twice per annum
Machinery Breakdown
*£317.65
*£112.00
£250,000 Limit of Indemnity subject to £100 Excess
*Figures quoted include Insurance Premium Tax or VAT and are for lifts servicing up to six floors. Should you require a quote for over six floors, please call us on 0800 281 235.
How can I get a Lift Inspection and insurance quote?
To begin your journey with us, start by getting your free Lift Inspection and Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
As property insurance specialists, we know that one policy does not fit all. Our unique Roads and Private Estates Insurance policy has been tailor-made to cover you against your responsibility of ownership for communal areas within your estate, as well as protecting you against damages to property such as walls, fences, automated gates, car parks (including barriers), playground equipment, bin stores and cesspits.
Key features:
Material Damage: This is included as standard and provides cover against accidental damage to communally owned property Cover includes outbuildings and other structures in your grounds for which you are responsible, such as:
• Car parks/car ports.
• Lampposts and street furniture.
• Roads, pavements, paths, gates and fences.
• Bin stores.
• Playground equipment.
• Re-landscaping costs.
• Fixed fuel oil and liquid petroleum tanks.
• Underground services, septic tanks, cesspits and pumping stations.
Cover is provided on a 'no sum insured' basis. The maximum payable under this policy for any one period of insurance is capped at £100,000.
Employers Liability: This protects you against your legal liability towards accidents or injuries happening to employees working in your capacity Maintenance staff, cleaners and gardeners can all be included.
Property Owners Liability: You may have a responsibility for your un-adopted road or you may be lucky enough to enjoy the benefits of having a gym, tennis court or swimming pool on your grounds. With these benefits comes the responsibility to protect those that own, use or visit these facilities.
The Limit of Indemnity for these covers is £10,000,000. We also recommend that you consider our optional extras:
• Legal Expenses cover
• Directors and Officers Liability Insurance
What type of scenario will I be covered against?
Our policy has been designed to protect you against a massive scope of accidental and unforeseeable incidents, for example:
• A storm damages your fences.
• A delivery vehicle hits your gates.
• A fire destroys your bin store.
• A visitor is injured after tripping on uneven paving.
We want to make sure that you're covered, no matter what. Want to know more? Please don't hesitate to give us a ring and talk to a friendly member of our team today Roads and Private Estates Insurance cover starts from £350 + Insurance Premium Tax
How can I get Roads and Private Estates insurance quote?
To begin your journey with us, start by getting your free Roads and Private Estates quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
Designed for Residents' Management Companies, our Cyber Liability Insurance cover can protect you from the growing risk of cyber threats. Cover starts from only £120.
In 2018, the UK Government estimated that the cost of cybercrime to the UK economy around £27 billion. Due to the frequent media reports of multinational companies falling victim to global cyberattacks, Property Managers, Residents' Management Companies (RMC) and RTM Companies could be forgiven for believing themselves unlikely to be the primary targets of such incidents.
However, recent studies have shown that UK small businesses (up to 50 employees) suffer over 65,000 attempted cyber-attacks every day, with hackers' successfully penetrating IT networks on average every 19 seconds.
With results such as these, it is clear that anyone is vulnerable to the potentially devastating financial impacts that come with the use of IT. Small businesses and RMC's are now widely viewed within the Cyber Security industry as the 'low hanging fruit' for cyber criminals, chiefly due to their traditionally moderate IT security budgets and reliance upon third-party providers.
It is not only the exponential rise in the frequency and severity of cyber-attacks that is driving demand for Cyber Insurance from Companies across all sectors. Strict new data protection regulations such as the EU GDPR have placed a particular emphasis on any organisation that holds personal information to safeguard data or risk devastating financial repercussions 'Sensitive' information, including banking or health information, has stricter rules than traditional personal information such as names and email addresses and can lead to far more substantial penalties in the event of non-compliance.
The high volume of sensitive customer information usually stored, processed and held means that cyber insurance should be viewed as an essential tool in your day-to-day operations.
The wide array of contacts, funds that are collected and held and multitude of contractual obligations leaves RMCs particularly exposed to cyber criminals.
With so many access points for hackers to enter and potentially cause disruption, identifying risk controls and risk transfer mechanisms should be key to the successful operation of every RMC across the UK. Traditionally, cyber policies were very expensive to buy, and it was even more difficult to understand what they covered. Our brilliant new cyber product will cover you against all the key risks your business will face online and digitally starting at just £10 a month.
Unlike traditional insurance, Cyber Insurance is not just about the coverages you buy; it is equally important for you to have access to third-party experts with the knowledge and experience to get you up and running again in your time of need.
A key feature of every Cyber Covered policy is not only the financial recovery for the business, but our also the data emergency service that comes with a Residentsline Cyber Covered policy
To begin your journey with us, start by getting your free Cyber Liability Insurance quote. You can do this by calling us on 0800 281 235 to speak to a friendly member of our team.
Alternatively, you can email us for a quote at: info@residentsline.co.uk or complete our quote form online.
Here at Residentsline, all our policies are underwritten by an extensive panel of A-rated insurers. Visit www.residentsline.co.uk/knowledge-hub/about-our-insurers/ to learn more about what each one can offer.
0800 281 235 info@residentsline.co.uk www.residentsline.co.uk
Residentsline exclusively provide Flats Insurance, with policies that are specifically designed for Residents' Associations, Residents' Management Companies and all involved with managing blocks of flats and apartments.
Celebrating over 26 years in business, our range of policies include: Buildings Insurance, Directors & Officers Liability Insurance, Lift Inspection and Insurance, Terrorism Insurance, and Landlords Insurance. All of our policies are designed to provide market-leading protection at the best possible price.
0800 281 235 info@manageyourblock.co.uk www.manageyourblock.co.uk
ManageYourBlock is a web based tool that offers access to your properties details at the touch of a button. We understand that you have a lot to keep on top of; ManageYourBlock brings all this information together easily and intuitively It is designed to make your life easier saving time by offering a fast and efficient interface to connect you and your block.
For a no-obligation demonstration of the ManageYourBlock system, contact us at 0800 281 235 or email info@manageyourblock.co.uk
020 7993 3034 info@londonflatsinsurance.co.uk www.londonflatsinsurance.co.uk
London Flats Insurance specialise in insurance for blocks of flats and apartments within London. Our team at London Flats Insurance have the experience and expertise to provide you with the most suitable insurance policy for your specific property
As we only provide insurance exclusively for flats and apartments, you can be assured of our full attention and the best possible service.
0800 281 235 info@residentsline.co.uk www.residentsline.co.uk/products/roads-and-private-estates-insurance/
We have designed a unique policy that can be tailored to your responsibilities which recognises that your insurance cover for shared spaces, private roads or estates and developments needs to protect you from not only the liabilities which could arise from the ownership of these communal areas, but also for damage to property such as walls, fences, automated gates, car parks (including barriers), playground equipment, and even bin stores and cess pits!
07977 072781 info@flat-living.co.uk www.flat-living.co.uk
Flat Living Magazine is an online publication released every month. As well as holding events such as the Flat Living Roadshow, Flat Living aim to assist Residents' Management Companies, Directors and Leaseholders by offering advice on leases, managing your block, service charges, insurance issues, maintenance, health and safety, major works, disputes, communal facilities and much more.
0800 281 235 info@directorsandofficersliability.co.uk www.protectyourdirectors.co.uk
As an Officer of a Residents' Management Company, you have many legal responsibilities and may be held personally liable for any decisions or actions taken whilst working in your position as a Director or Officer
Protect yourself with a comprehensive Directors & Officers Liability Insurance AND Corporate Legal Liability policy with AVIVA, giving your Directors and your Company the protection you need from only £95 a year
0800 281 235 info@residentsline.co.uk www.propmp.co.uk/users/login
Property Management Portal provides Property Managers with access to all of their properties information at the touch of a button. Whether you are at an AGM with customers or completing a site inspection, Property Management Portal will let you access, upload and view all important info in real time.
0333 577 2044 info@flatlivinginsurance.co.uk www.info@flatlivinginsurance.co.uk
Flat Living Insurance provides a range of products for Residents' Management Companies, Freeholders, Landlords and Agents from a range of preferred Insurers. We provide Flats Insurance, Directors and Officers Liability Insurance, Terrorism Insurance, Roads and Private Estates Insurance, Engineering break down Engineering Inspection. Call us for a quote on 0333 577 2044.
0808 175 1371 info@flatlivingdirectory.co.uk www.info@flatlivingdirectory.co.uk
Flat Living Directory provides a comprehensive suppliers list throughout the UK.
0333 015 4145 info@blockinabox.co.uk www.info@blockinabox.co.uk
Block in a Box is a tool box of specialist service providers for blocks of flats and apartments in the UK.
Our training session will show you how to review existing policy documentation.
Understand why questions are asked and what could happen if information provided is wrong.
Our training session aims to help get a better understanding of timber framed property - we will cover the increased risk to insurers, why this information is key and the warning signs that might indicate a timber framed property
What could happen in the event of a claim?
We will explain how the information in a Fire Risk Assessment might impact an underwriters decision making.
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Do you have any items from your last fire risk assessment that have not be completed?
How frequently should I value a block of flats? What is recommended and why?
We will cover the importance of getting the value correct and discuss examples of where this has had an impact on insurance.
what happens if there is a claim and the property is underinsured?
What is considered a fair presentation of risk?
Our training session will explore what is meant by "material risk information" and how you can present detail in a clear and accessible manner
Insurers will expect certain information to be "known" or "ought to be known" - what happens to the policy cover when critical information is not disclosed?
What info does my broker need to obtain a quote? Why do they ask certain questions?
This training session will touch on why we ask the questions we do, how to find some of the information required and what impact this can have on insurance premiums.
The importance of ensuring your Insurer is aware of as much as possible and the dangers if you miss something vital.
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