Business Details
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Trusted Flats Insurance Solutions in Potters Bar
Midway Insurance Services has established itself as a specialist in tailored insurance solutions for blocks of flats. With decades of combined experience, our team prioritises understanding the unique construction and legal requirements of each property to provide bespoke coverage. Our enhanced policy wordings address common gaps in standard residential policies, including relaxed unoccupancy clauses, extended alternative accommodation provisions, and loss of rent coverage for individual leaseholders.We maintain delegated authority schemes with major insurers like Aviva and AXA, ensuring competitive premiums and specialist covers. Our claims process is supported by dedicated insurer contacts and nominated loss adjusters, while our regulatory expertise helps managing agents comply with the Insurance Distribution Directive. As a multi-award-winning broker, we combine technical knowledge with a client-centric approach to protect both freeholders and leaseholders.
Services
Flats Insurance
Legal Liability Cover
Claims Handling
Policy Enhancements
Regulatory Assistance
Highlights and features
- We offer enhanced policy wordings specifically designed for blocks of flats
- Our team includes experts with over 25 years' experience in property insurance
- We provide 24/7 claims notification services through major insurers
- Our policies include unique features like no average clauses and inflation protection
- We assist managing agents with regulatory compliance under the IDD
Associations and certifications
- Financial Conduct Authority
Services
Flats Insurance
Specialist insurance for blocks of flats with enhanced policy wordings. Covers buildings, liability, and legal expenses. Designed to meet leasehold requirements and protect both freeholders and leaseholders. Includes features like relaxed unoccupancy clauses and extended alternative accommodation provisions.
Legal Liability Cover
Comprehensive liability protection for managing agents and property owners. Includes indemnity extensions for flat owners and occupants. Prevents subrogation claims against managing agents. Covers legal expenses and management liability in property disputes.
Claims Handling
24/7 claims notification through major insurers. Dedicated loss adjusters familiar with our enhanced policy wordings. Assistance with claim validation, documentation, and resolution. Support for managing agents and policyholders throughout the claims process.
Policy Enhancements
Enhanced policy features including no average clauses, inflation protection, and non-invalidation provisions. Relaxed unoccupancy requirements and extended alternative accommodation coverage. Designed to address gaps in standard residential property policies for blocks of flats.
Regulatory Assistance
Guidance for managing agents on Insurance Distribution Directive compliance. Training programs, policy wording reviews, and CPD requirements. Ensures managing agents meet regulatory standards when distributing insurance products.
People
Paul Robertson
Managing Director
Insurance expert with extensive experience in property owners' market. Author of insurance principles for leasehold flats. Regular industry speaker and advocate for flat owners' protection.
Carole Davies
Finance Director
Co-director with over 30 years in insurance brokerage. Specialises in financial management and business continuity. Key figure in Midway's transition to property insurance specialism.
Oliver Shelton
IT Director
IT specialist with 25+ years' experience. Manages technical infrastructure and digital solutions. Combines technical expertise with practical 'can do' approach to business systems.
Angela Woods
Business Development Manager
Insurance professional with 20+ years' experience at Aviva and Midway. Specialises in building relationships with managing agents. Focuses on quality products and specialist knowledge.
Craig Williams
Senior Account Manager
30+ years' insurance experience with focus on broker-client relationships. Expert in balancing client needs with insurer requirements. Prioritises quality service and tailored insurance solutions.
Questions
What makes Midway's flats insurance different from standard policies?
Our policies include enhanced features like relaxed unoccupancy clauses, extended alternative accommodation coverage, and loss of rent protection for individual leaseholders.
How does Midway handle insurance claims?
We have dedicated insurer contacts and nominated loss adjusters. Claims can be reported 24/7 through our partner insurers' notification services.
Do you cover older buildings and unique properties?
Yes, we can insure properties from converted houses to modern complexes, with policy enhancements suitable for both historic and contemporary buildings.
How do you help managing agents with regulatory compliance?
We provide training and support to help managing agents meet Insurance Distribution Directive requirements, including CPD and policy wording compliance.
What additional covers do you offer beyond standard insurance?
We offer terrorism cover, engineering inspections for lifts and boilers, and combined Directors & Officers/Legal Expenses policies tailored for property management.
