Thanks for this. I have asked them, but they are giving me the runaround - as they did with the managing agents. The person I spoke to doesn't cover my area, I need to email someone else, the someone else doesn't reply to emails. Presumably this is all evidence that could adversely impact them if it gets to a hearing...

Hi Andy We have just received a letter from FM demanding our share of the buildings insurance they have taken out, despite already being insured though the managing agents. We have decided to apply to the LVT, but I am interested that many of these fail for he reasons above. How can we prove that they did not shop around? how can we prove there was commisson paid? The quote s much higher than what we previously paid, but because our building is insured along with a number of others I'm not sure how we could prove that FM quote is unreasonable. Any advice you could supply would be gratefully received.