Additional cover* at no extra cost negotiated for blocks of flats buildings insurance.

Deacon has negotiated additional cover* as standard for blocks of flats buildings insurance with Covea, one of our well-known underwriters.

Exclusive to Deacon, it means extra protection at no extra cost for Covea’s standard cover, which now also includes:

Japanese Knotweed
If an outbreak of Japanese Knotweed (Fallopia japonica) or other hybrid of knotweed establishes itself at the premises, we will cover the costs to eradicate and dispose of the waste up to £10,000*.

Ground Water Cover
If your property suffers damage caused by an increase in the level of the Water Table, this enhanced feature now provides cover up to £25,000 during any period of insurance.

Archaeological Discoveries
If a site of archaeological or historic importance is discovered in the grounds of your property and excavation restricts access, this new feature will cover the damage or loss costs up to £25,000. For example, in September 2012 Richard III’s remains were discovered in a car park in Leicester.

Bailors Goods Cover
Should you experience a loss or damage to goods in your temporary custody for which you are legally liable as bailor, for example possessions left behind a reception desk at the entrance of your property, this feature now covers the loss up to £25,000*.

Obsolete Building Materials
If you suffer damage to your property and the original materials used are now obsolete or no longer considered fit for purpose, this enhanced cover feature will now pay up to 5% of the Buildings Sum Insured for the additional costs considered for a of suitable alternative materials.

Contractors Interest
If you enter into a contract for building works with an external contractor, otherwise known as a Joint Contract Tribunal (JCT), the interest of the contractor in the buildings will automatically be added as joint insured provided the contract value does not exceed £250,000.

Deacon is part of Arthur J. Gallagher, one of the largest insurance brokers in the world.

* Please refer to your policy wording for full cover details. As with all insurance policies, the policy is subject to limits, conditions and exclusions. For more information please contact us to discuss further, or request a full summary of the cover or the full policy terms and conditions; this policy will not cover existing or ongoing subsidence at your property.


Reviewed 29 June 2022

The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited (Gallagher) trading as Deacon accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.