Covering your Property
Trinity generally arranges Buildings Insurance in respect of leasehold flats and Property Owners Liability (public liability) insurance in respect of common parts of all of our managed estates. We have strong policies set out to meet Right-to- Manage companies / Residential Management
These insurances are arranged through Lockton Companies LLP.
In some cases, the insurances are arranged by the freeholder. In these circumstances, the details of the policies and claims procedure may differ, although the following guidance will still generally apply.
What is Covered?
We do not arrange contents cover for your individual property. You should make these arrangements separately yourself.
A Summary of Cover is available upon request from Trinity detailing the sums insured, insurers, extent of cover and any policy excesses in respect of your estate.
Where Buildings Insurance is provided, this will cover the building and common parts including parking areas and landscaping against damage caused by:
Fire, lightning, explosion or earthquake
Storm or flood.
Water damage from heating installations, washing machines or oil escaping from heating installations.
Damage caused by riots, civil commotions, malicious damage or vandalism.
Theft of fixtures or fittings or items from the common areas where there is a forcible / violent entry.
Subsidence, falling trees or branches, TV aerials or radio masts. Aircraft damage or anything dropping from them.
Accidental damage to drains or pipes, cables and tanks.
Breakage of glass in doors, windows or sanitary ware.
Any other damage caused by a peril insured.
It will also provide cover for:
Alternative accommodation following damage to the building which makes it uninhabitable up to 20% of the buildings sum insured.
Cover for acts of terrorism.
Property Owners Liability insurance is arranged in respect of any areas managed by Trinity covering third party liability for death and injury or property damage.
Where there are lifts or other heavy plant and equipment, engineering insurance is also arranged which includes any statutory safety inspections.
There are excesses payable in respect of every type of claim. Please check the Summary of Cover (available upon request) for further details of this.
Please note that it is a condition of the Buildings Insurance policy that you notify the insurers if your property is going to be unoccupied for longer than 30 days. If you fail to do this, then there is a possibility that the insurance company may exclude loss or damage to apartments and houses caused by water damage, vandalism, theft and breakage of glass in doors or windows.
From complete service charge management to PRS, at Trinity we provide a bespoke management tailored to your development