At Linstone we have arranged a block insurance policy  which covers the estate common areas and the block common part, we have recently partnered with Arthur J. Gallagher. This change only affects factored owners, below are details of the new information that you will need and you will receive a summary of the changes with the summer bill.

The policy provides full reinstatement of the property.

The building insurance policy period runs from 1st June to 31st May the following year. This will be billed to owners in their factoring account in July/August each year. If you fail to pay the building insurance premium you will be unable to make a claim on your building insurance.

If you need to make a claim in relation to the block policy you should contact Arthur J. Gallagher directly on the number or email below.


Arthur J. Gallagher Insurance Brokers Limited, 27-30 Railway Street, Chelmsford, Essex, CM1 1QS

Tel: 01245 341 200



Policy details


Excess applicable: £100 to all losses other than subsidence which is £1,000. An excess to the communal building is £500 unless a claim is made against storm damage, this has a policy excess of £1,250.

A summary of the policy can be obtained by calling 01505 384120 and is provided annually with your invoice. If you need to see the full policy, it is available at our offices. If you require a copy of the policy we will make an admin charge for this.