#51356
Jimmy-T
Keymaster

    From reading this factsheet, it seems there is no provision for separate insurance unless the two units have separate walls (and these don’t).

    See if you can get your insurance attached to the neighbour’s, otherwise you can organise insurance for the whole scheme and they will have to pay half.

    It could be that these neighbours don’t even realise they have collective responsibilities as part of a strata scheme.  Invite them round for a cup of tea and explain how things work (and ask them what they want to do).

    It occurs to me that their insurers shouldn’t have given them separate insurance in the first place, so they could be due a refund. In fact, if the insurance has been offered on the basis that it’s a separate dwelling, it may be invalid anyway, so they could be wasting their money.

    In any case, you and they might do well to read this factsheet and, if they refuse to discuss it with you,  this section of the Act.

    But before you get to that, have a friendly chat and explain that you have to have insurence for the whole block (that’s the law) and your options would be to share a policy with their insurer or they could pay their share of yours, whichever offers the best deal.

    But whatever you do, keep it friendly as these people will be living close to you for a long time.

    The opinions offered in these Forum posts and replies are not intended to be taken as legal advice. Readers with serious issues should consult experienced strata lawyers.