Insurance for Tyneside Flats.

I was amazed by my new insurance premium for an upper Tyneside flat. I an pretty sure that we are the Leaseholder, and think that the owner of the flat below is the Freeholder. The reverse is also true. Quite a few of the insurance brokers asked if we were leaseholder or freeholder - but I believe we are both. Am I correct that I ought to be insured as a "block" with I assume that will be with the owner of the flat below.

How could I get round this if they refuse to enter into a "in common" payment for the block.?

An I also correct that they are to be treated as "a block"?

In the past I just gave a re-build price, and they seemed happy with that.

Have I jast been doing it all wrong all these years or is this to do with a change of legislation as one or two of the brokers told me.

Thanks in advance, Simon

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