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Home contents insurance for council tenants

West Lancashire Borough Council insure the structure of your home, but our cover does not include your contents.

If you have to replace the contents of your home, it could prove very expensive. We therefore strongly recommend that you obtain insurance cover 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. In the event that you need to make a claim there is no excess to pay.

How to apply

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

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

Request a paper home contents insurance pack and application form.

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.

 

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.

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