AI-Powered Block Insurance Management.
For UK Buildings.
ProperInsurance™ Block & Estate replaces fragmented renewal reminders and paper policy files with a single, AI-powered insurance management hub — built for the compliance and documentation demands of UK leasehold law.
In brief
ProperInsurance™ Block & Estate
What is ProperInsurance™ Block & Estate?
ProperInsurance™ Block & Estate is Residentive's AI-powered block buildings insurance platform for UK RMC directors, RTM companies, and managing agents. It stores policy records, tracks renewal deadlines, logs claims, and uses AI to flag coverage gaps, exclusions, and underinsurance risks before renewal.
A 14-day trial covers up to 3 policies, with UK-encrypted storage and no credit card. The unit rate is £3 per unit per month, excluding VAT, with a minimum of £36 per month. The rate is 15% lower above 80 units.
ProperInsurance works alongside the board's existing broker and does not replace the insurer. Premium recharges can flow into ProperAccount™ Service Charge. ProperAudit™ Document Review checks historical document packs, including insurance schedules already on file.
Block Insurance
What ProperInsurance™ Block & Estate does
ProperInsurance replaces fragmented renewal reminders and paper policy files with one place for policies, coverage analysis, claims and compliance documents.
Policy & Renewal Management
Policies, reminders and archive
- Store all block insurance policies in one place.
- Automated renewal reminders so no policy lapses.
- Full version history and a document archive.
AI Coverage Analysis
ProperInsurance reads your policy documents and flags coverage gaps, exclusions, and underinsurance risks relevant to UK leasehold law — before your renewal, not after a claim.
Claims Record & Audit Trail
Log and track every claim from first notice to settlement. Full audit trail for leaseholder transparency and FCA-compliant record keeping.
Compliance Documentation
Generate LAFRA 2024-compliant insurance summaries, Section 20 cost notices for premium recharges, and leaseholder disclosure documents on demand.
Broker & Insurer Integration
Share policy data and renewal packs directly with your broker. Roadmap: direct insurer API connections for real-time quotes and mid-term adjustments.
The Challenge
The problem with block insurance management today
Renewals that catch boards off guard
Most RMC boards rely on their broker to manage renewal timelines. When the broker is slow or changes, boards scramble — and lapses leave the building uninsured.
Coverage that nobody reads
Policy documents sit in inboxes or filing cabinets. No one reviews coverage terms until a claim is rejected — often for an exclusion that was always there.
Claims with no paper trail
Without a central claims log, boards can't demonstrate a history of issues to insurers at renewal — losing leverage and paying higher premiums than necessary.
Premium recharges that trigger disputes
Insurance premiums recharged to leaseholders via service charge require correct Section 20 documentation. Without it, leaseholders challenge the charge at tribunal.
ProperInsurance™ Block & Estate removes these risks with AI-powered coverage analysis, automated renewal tracking and documentation that stays ready for regulators and leaseholders.
Block Insurance Health Check
Where does your block insurance management have gaps?
Answer five quick questions to see where your block insurance management has gaps — and how ProperInsurance™ Block & Estate would fix them.
Insurance management health
2/10
Exposed process
for a 20-unit block
- Renewal timing sits with someone else. ProperInsurance keeps the dates and the documents with the board.
- Renewal is close. ProperInsurance can index the current policy and flag coverage gaps before the broker meeting.
- Coverage terms have not been reviewed this year. ProperInsurance reads the policy and flags gaps and exclusions before a claim.
- If the claims history is unclear, ProperInsurance builds the audit trail from the documents you hold.
Indicative only — a conversation starter about how the board manages insurance, not insurance, legal, or coverage advice. The 14-day trial covers up to 3 policies and does not need a credit card.
How ProperInsurance™ Block & Estate works
Upload the policies you already hold. Get an AI coverage analysis before renewal, then run claims, documents and broker packs from one dashboard.
Upload your policies
Add your current block insurance documents. ProperInsurance reads and indexes them automatically — coverage terms, renewal dates, exclusions and claim limits extracted in minutes.
Get your AI analysis
ProperInsurance flags coverage gaps, underinsurance risks and exclusions relevant to your block — giving you clear, actionable intelligence before your next renewal conversation.
Stay in control
Manage renewals, log claims, generate compliance documents and share renewal packs with your broker — all from one dashboard, with a full audit trail.
Start with ProperInsurance™
Open a block insurance hub in the Residentive portal. Policies, renewals, claims and compliance documents stay in one place — start with a 14-day trial, no card required.
Example Use Cases
ProperInsurance™ Block & Estate pricing
Priced per unit for a block or an estate. Start with a 14-day trial for up to 3 policies — no credit card required.
Unit rate
Any block or estate
Setup quoted with the plan
- Minimum £36 per month (12 units)
- 15% lower unit rate above 80 units
- AI coverage analysis
- Renewal alerts
- Claims log
- Section 20 documents
- LAFRA 2024 notices
- Broker sharing
Portfolio
Several estates or instructions
- More than one estate
- AI coverage analysis
- Renewal alerts
- Claims log
- Section 20 documents
- LAFRA 2024 notices
- Broker sharing
All prices exclude VAT. The minimum is 12 units. Above 80 units the rate is £2.55 per unit per month. Setup is quoted with the plan and is outside the bundle discount. The 14-day trial covers up to 3 policies and does not need a credit card. Direct insurer API connections are on the roadmap; broker sharing is included.
Residentive platform
ProperInsurance™ Block & Estate works better with the stack
Explore related products, or view the full catalogue of interconnected pillars for UK block and estate management.
- ProperAccount™ Service ChargeLive service charge ledger for UK RMC directors and RTM companies — automated billing, arrears tracking, and Section 20 documents. £3 per unit per month.Learn more
- ProperAudit™ Document ReviewSelf-serve document audit for UK blocks and estates — start free with limited storage, then scale file limits as your pack grows.Learn more
Frequently Asked Questions
Everything you need to know about ProperInsurance™ Block & Estate
What is ProperInsurance™ Block & Estate?
ProperInsurance™ Block & Estate is an AI-powered block buildings insurance management platform for UK RMC directors, RTM companies, and managing agents. It centralises policy records, automates renewal tracking, analyses coverage gaps, and generates LAFRA 2024-compliant compliance documents.
Does ProperInsurance™ Block & Estate have a free trial?
Yes. ProperInsurance™ Block & Estate includes a free 14-day trial for up to 3 policies — full access, UK-encrypted storage, no credit card required. At the end of the trial, choose the plan that fits your portfolio.
How much does ProperInsurance™ Block & Estate cost?
The unit rate is £3 per unit per month, excluding VAT, with a minimum of £36 per month. Above 80 units the rate is £2.55. Portfolio pricing covers several estates. Setup is quoted with the plan. The 14-day trial covers up to 3 policies and does not need a credit card.
Who is ProperInsurance™ Block & Estate for?
UK RMC directors, RTM company officers, managing agents, and self-managed residential blocks and estates that need the policy records, renewal dates, and claims history in one place. It is for the board that holds the insurance, not a replacement for the broker or the insurer.
Does ProperInsurance™ Block & Estate replace our broker?
No — ProperInsurance™ Block & Estate works alongside your existing broker. It gives the board visibility and control over the insurance process, and makes renewal conversations more informed. Broker sharing tools let you send renewal packs directly from the platform.
Is ProperInsurance™ Block & Estate LAFRA 2024 compliant?
Yes. Premium recharge notices, leaseholder disclosure documents, and Section 20 cost summaries are pre-formatted to meet the requirements of the Leasehold and Freehold Reform Act 2024.
What document formats does it support for policy upload?
ProperInsurance™ Block & Estate accepts PDF, Word, and image files for policy document upload. The AI reads and indexes coverage terms, renewal dates, exclusions and limits automatically.
How is ProperInsurance™ Block & Estate different from ProperAudit™ Document Review?
ProperAudit™ Document Review checks a historical document pack, including insurance schedules, and flags findings for the board. ProperInsurance™ Block & Estate is where the board keeps live policy records, renewal dates, claims, and LAFRA 2024 insurance documents. Audit looks back. Insurance manages the cover going forward.
Learn moreHow is ProperInsurance™ Block & Estate different from ProperAccount™ Service Charge?
ProperAccount™ Service Charge manages your day-to-day service charge finances — billing, arrears, ledger and bank reconciliation. ProperInsurance manages your block buildings insurance — policies, renewals, claims and compliance. They work together: insurance premium recharges flow from ProperInsurance into your ProperAccount service charge ledger automatically.
Learn more