Hello and thank you for your question. I will be very pleased to assist you. I'm a practicing lawyer in England with over 10 years experience.
May I clarify who owns the freehold please - is it all three of you or just him?
Thanks. Do you know who owns the freehold title - i.e. the title to the building excluding the leasehold interests? This may be all of you jointly or one of you or in deed a third party entirely?
Thanks. Are you aware when the insurance requires renewing?
The position is that is is the freeholder(s) that is responsible for insuring the building under the provisions of almost all leases. This being the case here then the insurance should be in the freeholder(s) sole name(s) and not those of the leaseholders. The leaseholders can require the landlord to repair the building and make claims as necessary against the insurance on their behalf.
If the freeholder refuses to play ball then any leaseholder can force his hand if necessary by making an application to the leasehold valuation tribunal
The terms can be a little confusing but if he owns the freehold for the block in which you live as a leaseholder (tenant) the freehold owner is termed your landlord - he is entitled to charge ground rent under the lease (this may be a peppercorn or a minor sum) and charge contributions for maintenance. This is not the same as someone who rents their property - here you own a lease of your property but the terms leaseholder and tenant are used interchangeably as are freeholder and landlord. I hope that makes sense?
It is not unreasonable as a basic request but in law if he is the sole freeholder then reasonable or not he is within his rights to refuse and strictly correct in insisting the policy is in the sole name of the freeholder I regret. However there is nothing stopping him naming you jointly on the policy with him for convenience if you can agree the same on the basis for example of expedience