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Dear Jimmy,
Thanks for your comments and discussions from those in your online chat room, just to clarify a couple of points, I agree and accept that there actually is a body corporate which consists of all those separate units within the complex and even though there has been no formal meetings to date it doesn’t mean it doesn’t exist which is exactly what has been written earlier and I agree with.
The actual complex consists of four groups of 2 conjoined units where each pair of units shares a dividing wall but are actually separate from the other 3 pairs of units so the actual buildings are separate from each other except for the joining dividing walls which is why I’m saying that the building is insured but not the common areas which is really only a driveway access and turning area which has a bank of letterboxes and rubbish bin portal.
It would seem that this common area does however need to be covered by insurance which we could possibly arrange through a broker but we don’t need and are not legally required to have a manager which answers my question so much appreciated, thankyou for your comments.