I agree with you JimmyT, it would be much easier to ask the insurer. However, our insurer will provide us with nothing, including the paperwork. They have told me that it is a privacy issue, because all papers are always sent to the SM, who takes out the insurance policy on our behalf. The SM on the other hand, does not even respond to our letters requesting various documents (only for the current year mind you, nothing that should be archived), but sends out the usual quarterly strata fees notice instead. The PDS is far too generic to be of any use in this scenario. We are not confident of obtaining all of the documents we require even in a more formal mode. As for taking any action on the subject, we already have a pending complaint, leaving document discovery to a later date. Meanwhile, a similar, but resolved case would be very helpful. Trudging through the Tribunal’s (now NCAT) case listing is the next option, which will take me a few days. 

Dear kiwipaul, if only it were so easy. The management agreement is for the SM to deal with our present insurer only & the other owners were very hostile to my suggestion of looking at other insurers at the 2012 AGM. Needless to add, we get no quotes. You must have realised by now that I do withhold some information in order to preserve our SP’s anonimity in this forum. Thank you for your contribution though. You always make good sense, along with JimmyT & others. Wish me luck with my case history search.