Block flat insurance – is it really necessary?

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I currently live in a block of 1960’s flats with a flat roof – 6 of them each owned by its residents and we all have individual insurance for our flats.

One of our resident has said he just discovered that we have it wrong and we should all be paying a communal block insurance that covers the entire building – We have a communal stairwell with front and back doors.

The building is also connected to another block of 6 flats with their separate entrances identical to our so surely it would need all 12 flats to be insured on the same communal insurance – quite a tricky conundrum!

From what i understand from trawling the net that is not true and all that is necessary is to have each individual make sure their insurance has individual indemnity

Any advice appreciated.

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