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Insurance information for leaseholders

Under the terms of the lease the council provides buildings 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
  • theft
  • leakage of oil
  • aerial breakage
  • accidental damage of fixed glass and fixed sanitaryware
  • accidental damage to supply pipes and cables
  • subsidence
  • ground heave and landslip

A £100 excess applies to each and every loss in respect of storm, flood, escape of water, falling trees.

There is nil excess in respect of fire, lightning, explosion, aircraft, malicious persons, riot and civil commotion, earthquake, subterranean fire, theft, leakage of oil, aerial breakage, accidental damage of fixed glass and fixed sanitaryware, 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 each year however the council endeavour to obtain the best premium, 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.

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

Making a claim

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.  If you want to make a claim please contact the insurance team.

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

Rebecca Spicer, Insurance and Risk Management Officer

Tel: 01695 585098

Email: rebecca.spicer@westlancs.gov.uk


Catherine Kirwan, Insurance Claims Investigator

Tel: 01695 585047

Email: catherine.kirwan@westlancs.gov.uk