Do we have to accept the Insurer shown in our lease

[Leaseholder SW10]

I am a leaseholder of a flat and our lease requires our Residents' Management Company to arrange insurance with an insurer nominated or approved by my landlord. I would prefer to take a specialist insurance policy designed for flats - the insurance companies suggested by our landlord do not seems to offer anything similar - is there anything I could do?

[admin]

If you believe the insurance premiums are not reasonable you could take it to a Leasehold Valuation Tribunal - have you obtained alternative quotes?

[jeffrey]

But there should only ever be a single property insurance policy, covering the whole block.
Also see the Schedule to the Landlord and Tenant Act 1987, re leaseholders' rights regarding block insurance.

[Paul Brooks]

As far as reasonable insurance premiums are concerned, you might like to have a look at the Lands Tribunal case of Forcelux Ltd v Sweetmen 2001. This case overturned a previous LVT ruling that the insurance premium wasn't "Reasonable".