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Can I insure a middle unit in a block?

If your unit is part of a Body Corporate then we can not provide cover. A Body Corporate is responsible for insuring all the units on behalf of the unit owners.

If the units are not part of a Body Corporate and are cross leased then it’s possible for each owner to insure units themselves. Units like these are difficult for insurers as there is no way of apportioning the shared spaces such as driveway and fencing. If one unit had damage that involved other units, the claim could become a lengthy process as the insurers decide who is responsible.

For this reason, we recommend having a conversation with the other owners about their insurance arrangements and look to all insure with the same underwriter (such as IAG).

We will only insure the end units in a block without confirmation of the other units insurer. To insure a middle unit (a unit that attaches to more than one other unit) we would require confirmation that the neighbouring unit was insured with initio, or another IAG brand (such as NZI, AMI, State, ASB, BNZ, Westpac).

If you are unsure, send us an email or start an online chat.