S.30A of the Schedule to the Landlord and Tenant Act 1985 Act gives certain rights to tenants in relation to insurance, and applies where a service charge includes a component of insurance:

  Paragraph 2 of the Schedule – The Right to a Summary of Cover
    This provides a tenant with a right to make a written request to its landlord for a summary of the insurance cover. To comply with the request, the landlord must send a written summary of the insurance cover to include the amount insured, the name of the insurer and the risks covered by the policy. The landlord must comply within 21 days of receiving the tenant’s notice. It is a summary offence for a landlord to fail to provide the information requested about insurance.
  Paragraph 3 of the Schedule – The Right to Inspect the Insurance Policy
    This provides a tenant with a right to inspect and take copies of the relevant policies and/or any associated documents. Similar to Paragraph 2 of the Schedule, the tenant is to put the landlord on written notice of the request and the landlord is required to comply within 21 days of receipt of the notice.   The landlord must not charge the tenant for the facilities required to inspect the documents though this may be recoverable, if the lease allows for it, via the service charge. The landlord may levy an administration charge for the costs associated with photocopying the documents requested.  
  Paragraph 4 of the Schedule – Superior Landlords
    If a superior landlord has the insuring obligations under the lease and the immediate landlord does not have the relevant information, the immediate landlord may, similar to Paragraph 2 of the Schedule, make a written request for the information. The superior landlord is under no obligation to comply within 21 days, however they are required to comply within a “reasonable time”. Once the information is received, the immediate landlord must ensure it complies with a tenant’s request within 21 days or “such further time” as is reasonable.   In relation to a request by the tenant for the insurance policy, the immediate landlord is required to inform the tenant of the identity of the superior landlord straightaway. The superior landlord will then be subject to the requirements under Paragraph 3 of the Schedule.  
  Paragraph 4A of the Schedule – Effect of a Change of Landlord
    If the landlord is changing during the time in which a tenant has made a request under Paragraphs 2 – 4, the soon to be old landlord must comply with the written notice, if they are able to do so. In the event the old landlord is unable to comply with the written request, the new landlord must, within 21 days of the date of acquisition, comply if they too are able to do so.
    Paragraph 5 of the Schedule – Effect of Assignment
    Where a tenant has assigned his/her tenancy within the 21 days available to the landlord to comply with the tenant’s written notice, the landlord is still required to discharge its duty, irrespective of the assignment.  
  Paragraph 6 of the Schedule – Enforcement of Paragraphs 2 – 4A
      Where a landlord (or superior landlord) fails, without reasonable excuse, to comply with any of the requirements under Paragraphs 2 – 4A of the Schedule, the landlord is liable to a fine not exceeding £2,500.00. 
  Paragraph 7 of the Schedule – The Right to Notify the Insurer of a Potential Claim and Extend the Claim Period
    A tenant may notify the insurer of a claim to avoid it being lost as a result of the landlord’s failure to notify the insurer of the claim within the time limits under the insurance policy.    There are three requirements underlying this right:   It must appear to the tenant that:Damage has been caused to the tenant’s property or to a part of the building containing the property; andThe damage could be the subject of a claim under the insurance policy.   It must be a term of the insurance policy that the insured is required to notify the insurer of any claim within a specified time.   The tenant’s notice to the insurer:Must be in writingMust be served on the insurer within the time limit for making claims as specified in the insurance policy; andThe notice must describe the nature of the damage.   The effect of the tenant’s notice is to extend the specified period during which the insured (the landlord) must make any claim. If at the date when the tenant’s notice is served, there is less than six months left in which the claim must be made, the claim period is extended to be six months.  
  Paragraph 8 – The Right to Challenge a Landlord’s Choice of Insurer
    In circumstances where a lease obliges a tenant to insure with an insurer nominated by the landlord, both the tenant and landlord may apply to the County Court or First Tier Tribunal for a determination of:   Whether the insurance cover is unsatisfactory in any respectWhether the insurance premium is excessive.   It should be noted, however, that this right does not apply to circumstances in which a tenant is simply required to pay a contribution in respect of the landlord’s choice of insurer.