Search site
Cymraeg

Home insurance for council tenants

Insurance provides compensation for damage should the worst happen.

Buildings Insurance

This is included in your rent. It is included in your service charge if you have bought your flat.

Contents Insurance

The Council has arranged a low cost contents insurance scheme with the Royal and Sun Alliance Insurance plc which is only available for Council tenants. The cost of the insurance is paid weekly along with your rent.

The Council do not insure your furniture, belongings and decorations. If damage is caused by fire, theft, vandalism or burst pipes, unless you have taken out this contents insurance or have your own contents insurance, you are not covered.

You don't have to have contents insurance, but having a policy does provide some peace of mind that should the worst happen.

Most insurance companies offer similar cover but the following is a summary of the policy available from Royal and Sun Alliance plc.

What is covered?

Most of the household goods and contents are covered. They are covered against loss or damage caused by specific events such theft, fire and flood. Also insured are lost or stolen keys and freezer contents.

Some Accidental Damage cover is provided automatically by this policy. However, you can choose to add the full Accidental Damage option to your policy for an additional premium.

Minimum sums insured

The lowest amount that can be insured is :

  • £6,000 for tenants aged 60 and over
  • £9,000 for all other tenants

What will it cost?

The table below shows the weekly premiums that are payable;

 

Weekly Payments

Sum Insured

Standard Cover

With Accidental Damage

£6,000

£0.90

£1.27

£7,000

£1.05

£1.48

£8,000

£1.20

£1.69

£9,000

£1.35

£1.91

£10,000

£1.50

£2.12

£11,000

£1.66

£2.33

£12,000

£1.81

£2.54

£13,000

£1.96

£2.75

£14,000

£2.11

£2.96

£15,000

£2.26

£3.18

£16,000

£2.41

£3.39

£17,000

£2.56

£3.60

£18,000

£2.71

£3.81

£19,000

£2.86

£4.02

£20,000

£3.01

£4.23

£21,000

£3.16

£4.45

£22,000

£3.31

£4.66

£23,000

£3.46

£4.87

£24,000

£3.61

£5.08

£25,000

£3.76

£5.29

£26,000

£3.91

£5.50

£27,000

£4.06

£5.72

£28,000

£4.21

£5.93

£29,000

£4.36

£6.14

£30,000

£4.51

£6.35

For application forms or more information, please ring Housing on 635305.

If you buy your council home, Buildings and Contents Insurances become your responsibility.

If you are paying insurance with your rent and wish to make a claim you can request the appropriate form.

    Powered by GOSS iCM