Yeh, good points KWP, although it depends upon the attitude of the Insurer.
I don’t know why you can’t see some posts (?).
Oh and by the way oystercove, the Act allows any additional insurance premium to be passed-on to the Owner of the Lot involved. OK they’re supposed to agree beforehand, but the O/C can seek Orders from the NCAT if agreement is refused, which if the circumstances are confirmed wouldn’t be too difficult to achieve.