Insurance details for leaseholders

This page contains information on who is responsible for insurance in your building and how leaseholders can make a claim.

As your freeholder, we insure the structure of your home against damage caused by:

• Fire
• Wood
• Water damage
• Earthquake
• Subsidence 
• Accidental damage

Our insurance also covers the full reinstatement cost of damage to anything that is fixed within the property, for example:

• Fitting cupboards
• Sanitary ware
• laminate or hard wood flooring

We do not insure any of the removable items within your home. For example, your furniture, your personal belongings and your carpets.

We strongly recommend that you take out home contents insurance to cover your personal belongings.

How to make an insurance claim

Our properties are insured with Zurich Municipal. Their telephone claims line is open 24 hours a day and they deal directly with all property claims.

To contact Zurich Municipal, please phone 0800 028 0336

When you contact them, please give:

• Your name
• Your address
• The policy number - JHA22S126-0013

You'll be responsible for paying the excess on any policy claims. The excess for most claims is £350 per claim, increasing to £500 if it's related to escape of water and then £1000 if the claim is for subsidence. 

Repairing damage to your home

Zurich can offer you the services of a pre-approved contractor to carry out the repair work to your home.

If you would prefer to use your own contractor, you can. You will need to provide Zurich with two independent quotes before starting the work.

For more information

If you need more information about our insurance with Zurich Municipal, please get in touch, or call 0300 373 3000.