Specialist Block Insurance

Your Block Insurance

May Be Overpriced

Your block insurance is often renewed without question. A review checks the cover still fits your building today not how it looked a decade ago and could uncover major savings and better protection

Two resdents reviewing block insurance documents

Why Review Your Insurance?

When Was Your Policy Last Properly Benchmarked?

Block premiums tend to drift upwards at renewal, even when the market underneath is moving the other way. A specialist review tests your cover and price against what's actually available today and often uncovers stronger protection for less.

Premiums inflated by undisclosed referral commissions
Cover gaps left by standard insurance policies
Automatic renewal with no open market comparison
Lack of specialist cover for complex leasehold claims

A man looking disappointed at his block insurance policy

Side-by-Side Comparison

Why Policy Wording Matters

Insurance is not simply about price. It's about what happens when something goes wrong. Two policies may appear similar on cost, yet provide very different levels of protection when a claim is made.

Typical Block Policy

Storm damage only covered under strict weather definitions
Limited communal area protection
Restricted escape of water cover
Trace and access often excluded
Lower alternative accommodation limits
Rebuild value not regularly reassessed
Fire door inspections arranged separately

Specialist Leasehold Policy

Recommended

Broader storm damage protection
Enhanced communal area cover
Broader escape of water protection
Trace and access included
Higher alternative accommodation support
Free rebuild cost assessment (every 3 years)
Free fire door inspections for qualifying buildings

Free, independent review · No obligation · No referral fees

Our Approach

Review With Confidence

We bring specialist knowledge to a market where independent
advice for leaseholders has been hard to come by

Independent Review

Our insurance partner assess your current policy against the open market, not just a single preferred insurer.

Specialist Leasehold Insurers

We work exclusively with insurance partner who understand the complexity of leasehold block cover.

Hidden Commissions Exposed

We identify commission-inflated premiums and show you what fair market value looks like.

Free, No Obligation

The full review costs nothing. You decide whether to switch on your timeline, not ours.

How We Work

SMSC is not an insurance broker and does not provide insurance directly.

Following extensive research, we work with a specialist leasehold insurance partner experienced in supporting RMCs, RTM companies, and resident-led buildings.

Quotes are prepared directly by our partner based on your building's individual risk profile.

Our role is simply to introduce buildings to a provider we trust and to make the review process straightforward.

You remain entirely free to decide whether to proceed.