household contents insurance

Your Landlord Bassetlaw District Council, does not insure your furniture, belongings or decorations against theft, fire, vandalism and burst pipes and other household risks. You need to take out your own insurance. Under a special scheme arranged with Allianz Insurance plc, it’s easy for you to protect your belongings.

Payment of the premium

You will need to decide how you would like to pay the premium. The options available are:

• Fortnightly by cash, using a payment card at any Post Office or any Payzone Outlet
• Monthly by Direct Debit
• Annually by cheque, postal order or debit/credit card

Insurance for your furniture, TV, clothing, carpets, electrical items and general household goods

When you take out this insurance most of your household goods and contents will be insured in your home. The insurance also covers replacement of external locks if your keys are lost or stolen and the contents of your freezer. There is also cover for personal liability. Full details of the policy cover applying are available on request.

Insurance against fire, theft, vandalism, water damage and other household risks

These are examples of the types of risk your contents will be insured for. Full details of the policy cover applying are available on request.

Extended accidental damage option

You may choose to take out extended accidental damage cover at an extra cost. Claims for extended accidental damage are subject to a £50 excess (this is the first part of any claim which you must pay).

‘New-for-Old’ insurance

All your home contents are covered by the policy on a ‘new for old’ basis, with the exception of linen and clothing which will be replaced at their current cost, less an amount for wear and tear. When you are working out the cost of your insurance, you will need to work out how much it will cost to replace the full contents. If you underinsure your contents, any claim payment will be reduced to the same proportion as the contents sum insured bears to the full replacement cost.

Special low minimum sums insured

The lowest amount that can be insured is:

• £6,000 if you are over the age of 60
• £9,000 for all other people

Keeping up the payments

• To make sure that you are always covered you must keep up to date with your payments
• You will not be allowed to make a claim unless your payments are up to date
• Your insurance maybe cancelled if you don’t keep your premiums up to date

Start date

• Cover will start as soon as your application has been accepted
• A policy and schedule detailing the sum insured the sum insured, premium and cover will be sent to you along with a swipe card if your chosen method of payment is fortnightly or monthly by swipe card

How to apply

If you are interested in this scheme, please contact A1 Housing's Money advisor on 01909 533744 or pick up an application form at one of our offices.