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Insurance information for leaseholders

Under the terms of the lease the council provides building insurance which is provided under a separate policy from other council properties. The policy provides indemnity to leaseholders against the following events:

  • fire
  • lightning
  • explosion
  • aircraft
  • malicious persons
  • riot and civil commotion
  • earthquake
  • subterranean fire
  • storm
  • flood
  • escape of water
  • falling trees
  • impact own vehicle
  • theft
  • leakage of oil
  • breakage or collapse of aerials
  • accidental damage of fixed glass and fixed sanitary ware
  • accidental damage to supply pipes and cables
  • subsidence
  • ground heave and landslip

A £100 excess applies to each and every loss in respect of malicious persons, riot and civil commotion, storm, flood, escape of water.

There is nil excess in respect of fire, lightning, explosion, aircraft, malicious persons, riot and civil commotion, earthquake, subterranean fire, storm, flood, escape of water, falling trees, theft, leakage of oil, breakage or collapse of aerials, accidental damage of fixed glass and fixed sanitary ware, accidental damage to supply pipes and cables. A summary of the council’s insurance policy can be obtained from our insurance team.

The insurance premium can fluctuate as it is linked to the number of claims made each year. The council endeavour to obtain the best premium each year, which may mean changing insurers. The cost of the premium is then set for each property on the basis of the insurance valuation of each property. All new leaseholder properties have an insurance valuation at the time of sale which is used to calculate the amount of service charge.

If you want to make a claim, please contact the insurance team on 01695 585098. Claims are to be notified as soon as possible, with full details to be provided within 30 days of the claim (7 days in respect of riot or malicious damage) including supporting evidence in writing. The police must be notified as soon as possible in the event of theft or malicious damage.

We advise you to take out your own insurance policy to cover your contents.