Home Contents Insurance

We strongly advise all tenants to take out household contents insurance. You can do this through this scheme or by making your own private arrangements.

Many tenants believe that the council automatically insure their furniture, belongings and decorations against fire, theft, vandalism or water damage such as burst pipes. This is not the case.

 

Many tenants only realise this after the damage has been done. We make it easy for you to insure your belongings under a special households contents insurance scheme. The insurance is arranged with Royal & Sun Alliance Insurance plc and is only available to tenants of Rochdale Council.

 

What is covered?

'New-for-Old' insurance

Special low, minimum sums insured

DIY valuation

Cost of insurance

How to apply

Keeping up the payments

What is covered?

The insurance will cover most of your household goods and contents including pedal cycles and computers when they are in your home.

Your household goods and contents are covered against loss or damage caused by specific events such as theft, fire and flood. The insurance also covers keys, freezer contents and your own legal liability to the public, cost of alternative accommodation and wedding and Christmas gifts.

The policy does not cover maintenance, wear and tear, anything which happens gradually, electrical, mechanical or electronic breakdown, rot, radioactive contamination, sonic bangs, pollution or contamination, date change or computer virus, war risks and terrorism.

If you leave your home unoccupied for more than 30 days in a row, lend your home or receive paying guests into your home or use your home or its contents for trade, professional or business purposes some covers will be restricted or will not apply.

You should read your policy carefully and make sure it meets your needs

 

Full summary of the cover given by this insurance scheme

 

'New-for-Old' insurance

The policy insures your contents on a 'new-for-old' basis, meaning they would be replaced as new if destroyed by an event insured by the policy. You should add up the value of:

•  Items at their current replacement cost as new, other than clothing and household linen and carpets over five years old

•  Clothing, household linen and carpets over five years old at their current replacement cost as new, less an allowance for wear and tear.

It is important that you do not undervalue your contents otherwise the insurer will not pay the full value of your claim.

Special low, minimum sums insured

The lowest amount that can be insured is:

•  £8,000 for people over 60

•  £9,500 for all other people

 

DIY valuation

Most people find that their household contents are worth more than they think.

Use this DIY valuation form to help value the contents of your home. Read the section on 'New-for-Old' insurance first

 

Cost of insurance

Only available for tenants over 60 and receiving a state pension		For all other tenants
Sum insured	Total weekly payment	Sum insured	Total weekly payment
£8,000	£1.01	-	-
£8,500	£1.07	-	-
£9,500	£1.20	£9,500	£2.30
£10,500	£1.32	£10,500	£2.54
£11,500	£1.45	£11,500	£2.78
£12,500	£1.58	£12,500	£3.02
£13,500	£1.70	£13,500	£3.27
£14,500	£1.83	£14,500	£3.51
£15,500	£1.95	£15,500	£3.75
£16,500	£2.08	£16,500	£3.99
£17,500	£2.21	£17,500	£4.23
£18,500	£2.33	£18,500	£4.47
£19,500	£2.46	£19,500	£4.71
£20,500	£2.58	£20,500	£4.96
£21,500	£2.71	£21,500	£5.20
£22,500	£2.84	£22,500	£5.44
£23,500	£2.96	£23,500	£5.68
£24,500	£3.09	£24,500	£5.92
£25,000	£3.15	£25,000	£6.04

Other sums are available on request in blocks of £500. If you wish to pay fortnightly or monthly please ring the Rent and Right to Buy Section on (01706) 273734 for cost details.

How to apply

Request and complete an application form. by calling into one of local housing offices or by ringing (01706) 273734

Keeping up the payments

•  To make sure you are always covered, you must keep to your payments up to date.

•  Failure to keep you payments up to date could affect claim settlement and may lead to the cancellation of your insurance

•  For payment enquires contact the Rents and Right to Buy Section on 01706 273734.

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