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Home contents insurance for council tenants

West Lancashire Borough Council insure the structure of your home, but our cover doesn’t include what’s inside it (your furniture and your personal belongings).

If you have to replace the contents of your home, it could prove very expensive. We therefore strongly recommend that you get your personal belongings insured against events including:

  • Accidental damage
  • Fire
  • Theft
  • Flooding/escape of water

West Lancashire Borough Council work with a major insurer to offer home contents insurance that can be paid in weekly instalments, at very competitive rates. Unlike some insurances, on this scheme, exclusively for West Lancashire Borough Council customers, there are no excesses – so nothing to pay in the event of a claim.

Premiums  

    Level of cover

Weekly premium

Monthly premium

    Level of cover

Weekly premium

Monthly premium

      £6,000*

£0.88

£3.82

        £9,000

£1.32

£5.73

       £7,000*

£1.03

£4.46

        £10,000

£1.47

£6.37

       £8,000*

£1.18

£5.10

        £11,000^

£1.62

£7.01

*Only available for those aged over 60 years old.  ^Level of cover can be increased by increments of £1,000 upto £30,000.

Accidental damage cover

As a standard policy holder your home contents are insured against events such as fire, theft and water damage, however the policy only offers limited cover if you accidentally damage your contents.

As a new or existing policy holder you can choose to add on extended accidental damage cover for a small extra charge. Examples of the charges are set out on the table below;

Level of cover

Weekly premium

with accidental damage

Monthly premium

with accidental damage

Level of cover

Weekly premium

with accidental damage

Monthly premium

with accidental damage

£6,000*

£1.10

£4.78

£9,000

£1.65

£7.16

£7,000*

£1.29

£5.57

£10,000

£1.84

£7.96

£8,000*

£1.47

£6.37

£11,000^

£2.02

£8.76

 

*Only available for those aged over 60 years old.  Level of cover can be increased by increments of £1,000 upto £30,000.

How to apply

The policy is underwritten by Aviva Insurance Limited and administered by West Lancashire Borough Council.

To apply on line please complete an on line application form (pdf 661kb) 

Submit a home contents insurance pack request form.

For further information or to request an application pack contact the Insurance Section by calling 01695 585047 or by calling Customer Services on 01695 577177.

Alternatively, you can collect an application pack from the Council Offices at 52 Derby Street, Ormskirk or at the Customer Service Point, The Concourse, Skelmersdale.

We strongly advise all tenants to take out household contents insurance. If you do not want to take advantage of the Council's insurance scheme then you should make your own private arrangements.

 

Privacy Notices

For information on what to expect when the Council's insurance section collects or is provided with personal information, please see the Insurance Privacy Notices webpage.

Contact us

Insurance Claims Investigator, Catherine Kirwan
Email: catherine.kirwan@westlancs.gov.uk
Tel: 01695 585047

Insurance and Risk Management Officer, Rebecca Spicer
Email: rebecca.spicer@westlancs.gov.uk
Tel: 01695 585098