Strengthening leaseholder protections over fees, charges and services: consultation

Closes 26 Sep 2025

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Better insurance information: form and timing of information

ii) Form and manner of provision of insurance information to leaseholders

  1. The 2024 Act allows the Secretary of State and Welsh Ministers to prescribe the form and manner in which information on insurance is provided to leaseholders, for example a set template for landlords to use. We suggest prescribing a template to ensure consistency for leaseholders and help landlords be confident they are complying with the regulations. An example template is provided at Annex E.
  1. As with other information that leaseholders may request from landlords (see section 2.4), we understand there is a case for landlords to be able to send insurance related documents only by email, as an alternative to post, where it is cost effective, practical and expedient to do so. However, we are aware that sending information by email may give rise to claims that the leaseholder did not receive the information. Given this, we would welcome views on what safeguards or arrangements, if any, should be in place, if landlords were to be able to send such information via email.

iii) Timing of provision of information to leaseholders and landlords

  1. We want leaseholders to receive information on their building insurance in a timely manner to ensure they understand the cover that has been purchased on their behalf and can challenge any unreasonable costs. We recommend that landlords should provide the specified information within 30 calendar days of the insurance coming into effect and to new leaseholders within 30 days of purchasing the property, if they have not already received the specified information on the insurance contract.
  1. It is important that the landlord receives the information they need from a third party, for example the insurance broker, in a timely manner in order to comply with these requirements. We do not suggest prescribing how landlords should request information from third parties to avoid unnecessarily limited flexibility for landlords or their agents, and do not consider any exemptions to be appropriate.

iv) Transitional arrangements

  1. The cost of this measure will affect landlords and managing agents differently, depending on the systems they currently have in place, noting that they should already be passing on much of this information to leaseholders under the FCA rules. The impacts of these new arrangements were not monetised as part of the Impact Assessment of the 2024 Act for this reason.
  1. We are therefore prepared to allow for a transition period between the making of the statutory instrument and the commencement of the insurance transparency measures. We consider that the transition period should be as short as is feasible and that therefore landlords and managing agents should be allowed 3 months to put all the necessary arrangements in place. However, we welcome views on this. 
59. Should landlords be required to provide information in a set template?
60. What is your opinion of the proposed template provided at Annex E?
61. Should landlords be able to provide leaseholders with insurance information only by email?
62. Do you think 30 days is enough time to give landlords to provide building insurance information to leaseholders?
63. Do you think there are any circumstances where this time period should be extended?
64. Should landlords be required to request information from a third person in a certain way?
65. Should there be any circumstances where a person is exempt from the duty to provide information to the landlord?
66. Should there be a set time period within which a request for information from a landlord to a third party be made?
67. [If you are a landlord or managing agent] What do you think transitioning to these new arrangements would cost your organisation?
68. [If you are a landlord or managing agent] How much would it cost you to obtain the required information that you do not currently have?
69. Do you think that 3 months is the right amount of time to allow landlords and managing agents to adjust their systems and train their staff to carry out the new arrangements?