Coverage
What is insured, what is specifically excluded, and which extensions are optional?
Business insurance · Community schemes
Sectional Title and Community Schemes Insurance Guide
Bodies corporate, trustees, managing agents and community-scheme structures responsible for shared property. The relevant route, premium, limits and acceptance are confirmed during quotation and remain subject to underwriting.
In brief: Sectional title and community schemes insurance may help protect shared buildings, common property and scheme-related liabilities against specified insured events. It can include physical damage, accidental loss and certain communal responsibilities, depending on the selected policy, excesses, limits, conditions, exclusions and wording.
At a glance
A practical way to prepare for the conversation.
Common-property buildings and fixtures
Shared-area damage and liability
Lifts, pumps and communal assets
Optional machinery sections
What it can include
Possible features to discuss. Availability and scope depend on the selected policy.
- Selected protection connected to common-property buildings and fixtures
- Selected protection connected to shared-area damage and liability
- Selected protection connected to lifts, pumps and communal assets
- Selected protection connected to optional machinery sections
Limitations to check
Important conditions should be explained near the benefit—not hidden in the fine print.
- The schedule and wording determine the insured events, limits, definitions and exclusions.
- Accurate disclosure, risk controls and prompt notification can be material.
- Premium, terms and acceptance remain subject to provider underwriting.
- Related risks can sit under a separate policy, section or extension.
Before you request a quote
Useful information to have ready.
Start with high-level facts. Do not submit sensitive identity, financial or claim evidence through an initial web enquiry.
- Scheme address and construction details
- Replacement values and common-property assets
- Claims history and security measures
- Scheme governance and selected sections
Compare carefully
Questions that reveal the substance behind a quote.
A useful comparison does more than compare premiums. Put the relevant limits, excesses, key exclusions, claims conditions and service steps side by side before accepting a policy.
Cost at claim time
Which standard or additional excesses could apply, and are they manageable?
Conditions
Which disclosures, valuations, security steps or maintenance duties must be met?
Claims process
Who must be notified, how quickly, and what evidence could be needed?
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Continue the short-term insurance conversation.
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Common business insurance · community schemes questions
Browse the full FAQWhat is sectional title and community schemes insurance?
Sectional title and community schemes insurance may help protect shared buildings, common property and scheme-related liabilities against specified insured events. It can include physical damage, accidental loss and certain communal responsibilities, depending on the selected policy, excesses, limits, conditions, exclusions and wording.
Who generally needs sectional title and community schemes insurance?
Bodies corporate, trustees, managing agents and community-scheme structures responsible for shared property.
What can it typically include?
Depending on the policy, it can include selected protection connected to common-property buildings and fixtures, shared-area damage and liability, lifts, pumps and communal assets. The schedule, limits and exclusions determine the actual cover.
What is commonly excluded or limited?
The policy can restrict unreported changes, known circumstances, deliberate acts, wear or deterioration, contractual assumptions, exclusions specific to the activity and losses outside the stated cover. Review the issued wording carefully.
How is the premium usually assessed?
A provider can assess the nature of the exposure, values, activities, controls, location, contracts, claims history, limits, excess and supporting information. The premium is not guaranteed until a quotation is issued.
What information helps Best Care prepare a quote?
A useful starting pack includes scheme address and construction details, replacement values and common-property assets, claims history and security measures and the requested limits or excess. Further information may be required before a provider considers the risk.
How do claims usually work?
Notify Best Care and the relevant insurer or authorised claims route promptly, preserve records, avoid admissions and follow the policy’s incident-specific instructions. The insurer or authorised claims administrator assesses the claim under the wording.
Educational information only. It is not personal financial advice and is subject to policy wording. Best Care’s exact legal status, authorisation and product appointments must be confirmed before publication.
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