Council leaseholders

Buildings Insurance for our leaseholders

Under the terms of a lease for flats or maisonettes sold under the Right to Buy Scheme, the Council is required to insure and keep insured the buildings for these properties. 

In summary, the insurance provides cover for damage to the structure of your property and its fixtures and fittings caused by the following insurance perils: -  

  • Fire / Smoke
  • Civil commotion
  • Lightning    
  • Malicious damage
  • Explosion    
  • Storm or flood
  • Aircraft    
  • Escape of water
  • Earthquake    
  • Breakage or collapse of aerials
  • Subsidence    
  • Fixed glass & sanitary wear
  • Theft    
  • Impact
  • Riot    
  • Falling trees
  • Leakage of oil
  • Accidental Damage    

The following excesses currently applies to each claim:

  • £1,000 subsidence
  • £50 all other losses

Buildings Insurance Key Facts >

Full policy cover details and the policy cover exclusions are included in your copy of the Policy document.

If you require a hard copy of this document please contact the Insurance Team on 01522 873 762 or email

Please notify the Insurance Team if your property is likely to be left unoccupied for more than 30 days at a time as restrictions to cover will apply.