Do you feel that where you live may be vulnerable to the impact of terrorism? 

Damage caused by both terrorism and war have long been excluded from standard property insurance policies. As such, insurance for terrorism is generally purchased by property owners to cover their potential losses and liabilities that might occur due to terrorist activities.  Such activities can come in many guises such as a police raid on the building, being situated under a main flight path,  a ‘dirty bomb’ causing evacuation of a wide area or even having a bomb-maker residing within one of the flats.


Frequently terrorism cover on a block of flats is a required condition of the lease. So it’s important that whoever is responsible for arranging the main blocks of flats policy also considers the need for terrorism cover. Even if the lease conditions don’t require terrorism cover it may be sensible to consider taking such cover out. For example if your property is located near major transport hubs, famous landmarks or government buildings or even close to other vulnerable areas such as shopping centres or town and city centres you may wish to consider opting for terrorism insurance.


It’s also worth noting that directors of RMC’s and RTM’s have personal responsibility for their decisions and actions.  Since most RMC directors are also leaseholders it would not only give you and your fellow leaseholders financial protection to put things right should the worst happen but also protect you as a director from the exposure of being sued.


While insurers provide access to terrorism cover at an additional cost via the Pool Re scheme, which we can arrange here at Residents Insurance Services we also have access to alternative terrorism arrangements that may be more suitable.


Here at Residents Insurance Services we have built our reputation as a specialist insurance broker in the blocks of flats insurance market and we pride ourselves on delivering service quality at a competitive price.  Providing suitable terrorism cover side by side with the blocks of flats insurance is second nature to our helpful team of highly knowledgeable staff.


Contact us now on 020 7428 7890 for a free no obligation quote or simply to discuss your insurance needs or e mail us at


We have either Delegated Underwriting Authority or agency arrangements with some of the UK’s top insurance companies:


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