Leaseholder Insurance Overcharging
Did you know you might have paid hidden fees on your building insurance without even knowing it?
No-win, no-fee
Overview
Some insurance brokers paid landlords hefty commissions for using their products and services. These fees were quietly passed on to leaseholders by inflating buildings and terrorism insurance premiums – often without any disclosure. In some cases, these hidden commissions made up a staggering 60% of the total premium, unfairly burdening homeowners.
Now, the FCA, the UK’s financial watchdog, is cracking down on these unfair practices. But for many leaseholders, the damage has already been done, with thousands of pounds lost to inflated premiums.
If you own a flat and pay for insurance via a service charge, you may be entitled to compensation. UK lawyers are offering a no-win, no-fee service to help you claim back what you’re owed. If successful, claimants could recover hidden commissions, additional insurance premium tax costs, and interest dating back at least six years.
At a glance
What do we know about the leaseholder insurance scandal?
Can I join the leaseholder insurance compensation claim?
You may be eligible to join the leaseholder secret commission claim if:
If eligible, you can claim for any flat you currently own or have owned in England and Wales.
Think you might have a case? Use the eligibility checker, and we’ll connect you with a regulated UK-based law firm managing these claims.
How the leaseholder insurance compensation claim works
Answer a few quick questions to see if you qualify to join the claim.
If you qualify, share a few more details and we’ll update you on the next steps.
We’ll notify you if we find a regulated law firm ready to accept your case – all on a no-win, no-fee basis.
Frequently asked questions
The case concerns secret commissions added to leaseholders’ insurance premiums without their knowledge, inflating costs unfairly.
You may qualify if you own or have owned a leasehold flat in England and Wales and meet the eligibility criteria.
Leaseholders could recover hidden commissions, additional insurance premium tax, and interest, potentially totalling up to £3,500 per claimant.
In the UK, if a group of people have experienced loss, or otherwise been harmed by corporate wrongdoing, they can come together to fight for justice. Levelling the playing field when standing up to big businesses, group actions prove there is strength in numbers. At Join the Claim, we bring consumers and law firms together to ensure these group actions are as powerful as possible.
There is no upfront cost; the claim operates on a no-win, no-fee basis.
Latest updates on the leaseholder insurance overcharging scandal
July 2024
The BBC reported on the leasehold secret commission scandal. You can watch the coverage here.
Funding was secured to pursue a claim at the High Court
May 2024
The Leasehold and Freehold Reform Act 2024 received royal assent. Secret commissions are prohibited under the Act.
April 2023
The FCA published the findings of its multi-occupancy buildings insurance broker remuneration review. It found remuneration, including commissions, had risen by nearly 40% between 2019 and 2022. The FCA proposed new rights and protections for leaseholders to improve the transparency of the multi-occupancy leasehold buildings insurance market.
February 2023
A study by the FCA revealed UK leaseholders paid over £1.6 billion in premiums. According to the watchdog, on average, hidden commissions accounted for 30% of these costs, with some instances reaching up to 60%.
September 2022
The FCA said there was evidence of some high commission rates and poor practices in the broker market.
2017
Following the Grenfell tragedy, building insurance costs and hidden commissions soared.
We’ll provide more updates on this case as they occur.
Join the leaseholder insurance compensation claim
Check your eligibility and find out if you can join the no-win, no-fee claim.
We connect consumers with their legal dream teams to ensure they get the compensation and support they deserve.
Join the Claim is not a law firm. We connect individuals with top law firms for group action claims, and our service is free to use. While we may receive a fee from the law firms we introduce you to, this will not affect your costs or compensation. We are not responsible for the advice or services provided by these firms. Please note, nothing on this website is legal advice, and while we check claim eligibility, we cannot guarantee a law firm will accept a case.
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