Rights of tenants regarding insurance – LTA 1985 s. 30A
LTA 1985 s. 30A gives tenants rights regarding insurance of their dwellings as set out in the Schedule. These rights include consultation and information.
The Schedule to this Act (which confers on tenants certain rights with respect to the insurance of their dwellings) shall have effect.
Text in force at .
Source: legislation.gov.uk — The National Archives (legislation.gov.uk), reproduced under licence Open Government Licence v3.0.
What it actually says
This section activates the Schedule to the Landlord and Tenant Act 1985, which contains specific rights for tenants about the insurance of their homes. The Schedule typically gives tenants the right to be consulted on the insurance policy, to receive information about the cover and premiums, and to challenge the reasonableness of the insurance arrangements. The term 'tenant' here refers to a tenant under a long lease of a dwelling, as defined elsewhere in the Act. The provision applies only to dwellings, not commercial premises.
When it applies
- A tenant in a block of flats wants to see the landlord's insurance policy to check the level of cover.
- A tenant believes the landlord's insurance premium is excessive and wants to challenge it.
- A tenant wants to be consulted before the landlord changes the insurance provider.
- A tenant needs to make a claim and is unsure whether the landlord's insurance covers the damage.
- A tenant wants to know if they can arrange their own insurance for improvements to their flat.
What this section does not say
- This provision does not require the landlord to insure the building.
- It does not set the amount of insurance or the premium.
- It does not apply to tenants of commercial premises.
- It does not create a right to damages for failure to insure (that may be dealt with elsewhere in the Act).
That's the law. Now let's settle your problem.
Say what is happening. A neutral mediator hears your side and the other party's, and walks you both to a written agreement. In the advanced settings you can ask for the decision to be reasoned on the Acts of Parliament that apply in England and Wales.
Or open a session directly and invite the other party.
We copy this text from the official publisher and re-check it against that source on every page load, but we cannot guarantee it is complete, current or free of error, and we accept no liability for any reliance on it. An amendment can take effect before a consolidation catches up. The publisher's own copy is linked below; where the two differ, it is the official one that counts.
This page reproduces the text of LTA 1985 s. 30A in force at the date shown and explains it in general terms. It is not legal advice and takes no account of the circumstances of your case, which can change the answer completely. For a live dispute, for limitation periods, and before taking any step in court, consult a qualified lawyer in England and Wales.