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Home contents insurance for council tenants

Would you be able to replace your belongings if the worst was to happen?

Many tenants believe that renting a home from us means that we automatically insure their belongings against theft, fire, burst pipes etc. Unfortunately this is not the case and many tenants only realise this once they have suffered a loss.

If you would be unable to replace your belongings out of your own pocket you should consider taking out home contents insurance, and here at West Lancs we have an affordable scheme available.

Benefits of the scheme

  • Most of your household contents are insured when in your home, including furniture, TVs, laptops, clothing, carpet, electrical goods.
  • There is no excess to pay which means you do not have to pay anything out of your own pocket when making a claim.
  • You choose how to pay your premiums, weekly or monthly / cash card or standing order.
  • Insurance premiums start from as little as £1.32 for £9,000 worth of cover and £0.88 for £6,000 if you are over 60.

    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

If you are already a 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.

From 5 June 2017 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

Submit a home contents insurance pack request form.

You can request a pack from 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.

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